23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have a balance of {$260.00} with them, I have been disputing this debt because they are reporting it as in collection on my credit file, I asked this company to please provide me with a copy of the original contract which bear my signature and which it concerns the debt being collected. All that EOS CCA provide me with is a copy of a bill from the year XXXX which is not enough to validate the debt that they are trying to collect, I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt ( defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement ) from a person located within Massachusetts. Like I said at the beginning of my complaint, EOS CCA is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that EOS CCA can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt can not be validated please delete it from my credit file, as it is causing my credit worthiness big damage.
Product: Money transfer, virtual currency, or money service

I am attempting to file a complaint against the company cash app ( block , inc ) related to multiple incidence of inadequate service and unfair practices, which do violate the consumer financial practice act. More specifically cash app failed to take any timely or effective measures to prevent and or address fraud on their platform leaving my personal account vulnerable and unprotected. Their dispute resolution process was both deceptive and unfair as they failed to comply with error resolution requirements listed under the electronic fund transfer act and regulation E thereof. These actions listed have caused me significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.
Product: Debt collection

In XX/XX/XXXX, I received a " Notice Of Intent To Intercept Filing '' from a company, Linebarger Goggan Blair & Sampson , LLP ( LGB & S ) claiming that I owed {$300.00} to XXXX XXXX XXXX XXXX for a traffic citation. I have been a recent victim of Identity Theft and believed this letter to be fraudulent. 

In XX/XX/XXXX, I discovered that I had Unclaimed Property with the State of California in the amount of {$330.00}. I filed a claim for the money and received a XX/XX/XXXX notice from the California XXXX XXXX XXXX that {$300.00} of the {$330.00} would be intercepted and sent to LGB & S. 

I discovered through an online investigation of LGB & S, that the company was fined {$3.00} Million for a Class Action suit for fraudulent and unfair business practices in their debt collections and had received hundreds of negative XXXX XXXX XXXX complaints and company reviews. 

On XX/XX/XXXX, at XXXX, I contacted LGB & S and spoke with XXXX XXXX XXXX I told her that I did not owe money for a citation and would provide proof by email. XXXX XXXX informed me that LGB & S would be responsible for refunding the money if I could prove the debt had been paid. 

Today, XX/XX/XXXX, I used the Case Number from the LGB & S letter to search for proof of payment on the XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) and discovered that the citation had been dismissed by the court. 

I contacted XXXX XXXX XXXX XXXX by phone at ( XXXX ) XXXX and provided the citation number # XXXX. The Clerk informed me that the citation, which was FOR {$XXXX} ONLY, had been paid, resolved, and dismissed ten years ago in XXXX. 

I sent an email with proof of the citation dismissal and notified the California XXXX XXXX XXXX about the fraud. I also plan to file complaints about the fraudulent activities of this company to other agencies such as the XXXX XXXX XXXX and news media sources to alert the public about Linebarger Goggin Blair and Sampson, LLP as I have proof that they continue to use unscrupulous and illegal means to prey on individuals with unfair and fraudulent business practices.
Product: Credit reporting or other personal consumer reports

I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXX. I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XX/XX/XXXXXXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.
Product: Mortgage

XXXX is designed to reduce mortgage payments to XXXX percent of a homeowner 's pretax income or suspend monthly payments for at least one year as he seeks employment. The borrower must be unemployed and eligible for unemployment benefits, use the home as his primary residence, have taken out the loan no later than XXXX XXXX, XXXX, and owe no more than {$720000.00} on the mortgage balance. Borrowers who have fallen behind on payments, or expect to fall behind, may apply for XXXX 

XXXX  Application Process Applying for an XXXX  modification involves paperwork and an income review, similar to qualifying for a new home loan. Applicants complete the MHA " Request for Mortgage Assistance '' form, an MHA hardship affidavit and sign an MHA authorization form. A borrower who is already in foreclosure at the time of application may have to sign a letter acknowledging the simultaneous foreclosure and forbearance processes. Lenders may verify unemployment income borrowers are either drawing or eligible for, as well as borrower assets. Lenders may require that homeowners receive up to three months of unemployment benefit payments before an XXXX forbearance begins. 

THIS IS THE LOAN MODIFICATION IN WHICH I QUALIFY FOR. FREEDOM MORTGAGE KEEPS WANTING TO TAKE A FORBEARANCE WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate reporting on my credit file, specifically regarding an auto loan account with XXXX XXXX XXXX ( Account # XXXX ). Despite multiple disputes, they have wrongfully verified inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Details of the Inaccuracy : 1. False Past-Due Balance : The account is reported as Voluntarily Surrendered/Never Late, yet it still reflects a past-due balance of {$7200.00} as of XX/XX/XXXX. Since the vehicle was surrendered in XX/XX/XXXX, no past-due balance should exist. 
2. Incorrect Last Payment Date : The last payment date is falsely reported as XX/XX/XXXX, even though the vehicle was surrendered in XXXX. 
3. Harm to My Credit Score : The continued reporting of a false balance on a closed and surrendered account is causing significant harm to my credit score by inflating my credit utilization ratioone of the key factors in credit scoring. This is materially misleading and damaging to my financial standing.
Product: Debt collection

XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by Sterling JeweIers INC Kay this debt has been paid in full and they will not get a XXXX more of my money. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Sterling JeweIers INC Kay inquiry to determine why the debt is on my credit report. I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 

Thank you in advance, XXXX XXXX
Product: Credit card

I disputed a XXXX/XXXX/XXXX charge for {$350.00} to my credit card account by letter to my Credit Card Company on XXXX/XXXX/XXXX. The charge was credited back to my account and a dispute opened. I responded to form letters from my Credit Card Company providing the requested information : ( 1 ) form XXXX date XXXX/XXXX/XXXX -response XXXX/XXXX/XXXX, ( 2 ) form XXXX date XXXX/XXXX/XXXX - response date XXXX/XXXX/XXXX, and ( 3 ) form XXXX date XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX form letter provided response from the merchant and requested a " new letter addressing the merchant 's documentation '' to be returned by XXXX/XXXX/XXXX. My credit card account was rebilled by my Credit Card Company for the {$350.00} on XXXX/XXXX/XXXX because " it was determined to be a valid charge. '' My response letter required extensive research and analysis, and was mailed to my Credit Card Company on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a form letter form my Credit Card Company dated XXXX/XXXX/XXXX reporting non-receipt of my response to their XXXX/XXXX/XXXX letter and informing me that the investigation is complete since they did not receive a response and that my account had been rebilled for the disputed amount. On XXXX/XXXX/XXXX I mailed a letter to my Credit Card Company retransmitting the XXXX/XXXX/XXXX response and requesting the dispute be reopened. I then received a XXXX/XXXX/XXXX form letter from my Credit Card Company stating that they have " no further recourse in this matter and can not obtain credit on your behalf. Our investigation remains closed. '' Thus my dispute was closed and the disputed amount charged to my account 9 days after the date of the letter which gave me 20 days in which to respond - my response was mailed 14 days into the allowed response period, and my Credit Card Company denied having received my response 8 days after it was mailed and had not been found some 11 days later. It is a travesty that my Credit Card Company can not or will not timely evaluate information provided by their customer that is critical to my dispute. It is a breach of their responsibility to efficiently process disputes when they are unable or unwilling to timely receive and connect information to the relevant dispute and to process that information in the interest of justice. It is a violation of the dispute process to rebill the disputed amount and close the dispute before the date they request me to respond. The dispute provision is meaningless when the disputed amount is released to the merchant before the customer has adequate time to provide evidence of the validity of the dispute.
Product: Credit card or prepaid card

Credit card company has restricted my account because I have made too many payments out of my business checking account. Credit card company has requested numerous amount of paperwork to prove that I am the owner of the business checking account that I am using, and I have submitted numerous paperwork to prove this, but every time I call in, Credit card company keeps telling me what I have submitted is not good enough. I have wasted countless hours dealing with this starting on XX/XX/2022. My account is still restricted. I just want this fixed. I have told Credit card company this is financial discrimination.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian .i also sent another letter to Experian today XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$300000.00} Late/Open XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$300000.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$0.00} Charge off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.
Product: Credit card

Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.