23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Per NCB Management Services on admission ( per the screenshot attachment ), they opened an account for me on XX/XX/XXXX, but was not reported to all three credit bureaus till XX/XX/XXXX. During that time I did not receive any notice or notification of an attempt to collect a debt according to 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Also, I have divorce decree from XXXX, resolving me from any debts with the individual in question.
Product: Prepaid card

netspend XXXX XXXX XXXX XXXX XX/XX/XXXX BACK : XXXX XXXX https : //www.netspend.com/ ( XXXX ) XXXX XXXX Texas XXXX Deliberately made the validation far too difficult for my Nephew XXXX XXXX. 
They asked him where he lived between XXXX and XXXX when he was XXXX year old. 

XXXX did not know that his Mom moved them away from XXXX XXXX IA because his father became XXXX. I think that they moved to a farm house in Iowa. 

They also asked XXXX where " XXXX XXXX XXXX XXXX '' is in a town that he lived in for two month at an address across town from XXXX XXXX XXXX XXXX.
Product: Mortgage

XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed.

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 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 rul
e 1002 and It was never provided.

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


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX accounts on Transunion and XXXX on XXXX I told XXXX that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested incorrect names " Also Known As '' be removed, incorrect addresses be removed, as well as, my employer be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX  XXXX Balance : {$2400.00}
Product: Checking or savings account

Sunday I received notification that someone was trying to access my Chime account from XXXX, WA. I live in XXXX I changed my password as instructed and let them know to please place a note in my account. I wake up Monday to see that my chime account was locked.. they asked for proof of my social security number, a selfie with me holding my drivers license with the date. Sent all the documents and I can not give them to give me a honest and true timeline on when I can access my own funds. This is crazy..
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXXXXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}. Inquiry : XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. XXXX XXXX XXXX IN, has violated my rights and ALLY FINANCIAL has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have file 4 disputes with Transunion and 2 CFPB disputes with XXXX XXXX XXXX  no no avail. Transunion AND XXXX despite legal court documentation ( court dismissal with no money owed to XXXX XXXX  XXXX ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to Transunion the continue to close and delete disputes as XXXX is providing valid information. This is my final attempt to both Transunion and XXXX to remove incorrect account information from my credit profiles. I have yet to receive any response from XXXX and Transunion refuses to acknowledge all legal documentation that goes against FCRA regulations.
Product: Mortgage

I paid my XX/XX/XXXX mortgage online and they provided one confirmation response and then several days later I get a surprise they had double charged me. I called and was told that it was my fault for paying twice, which is not what happened. I was only paying XX/XX/XXXX and Not paying for XX/XX/XXXX yet! I called my bank and they said I'd have to wait for the second ach to fail and then request reversal as they could not do anything. Over the weekend my bank had removed the problem double payment and did not charge me. They sent me an email that the second payment overcharge was {$0.00}. I thought the issue was resolved. Today when I checked my bank they had a new ach from Suntrust/aka Truist. I called and spoke to several people who tried to explain my choices. I ask several times for the complaint department after Truist staff confirmed I had an outstanding complaint and after waiting a long time they said they were going to forward me to the appropriate person to handle this matter. It went directly to a person 's voicemail, which I left a detailed message that I plan on sending in my complaint to the SEC and XXXX  and others. 

Today Suntrust/Truist has once again tried to take funds out of my checking account via ACH. I will pay my XX/XX/XXXX mortgage payment in XXXX XXXX This is not an autopay issue it's a problem with Truist Bank XXXX This never happened with Suntrust.
Product: Money transfer, virtual currency, or money service

****CASH APP IS A SERVICE DEVELOPED BY SQUARE INC.******** On XX/XX/XXXX, I submitted a payment as $ XXXX to XXXX XXXX under his CashApp name $ XX/XX/XXXX. A total of {$1500.00} was sent to $ XXXX for a mortgage payment. Within one hour, at XXXX XXXX, XXXX XXXX ( $ XXXX ) refunded the amount of {$1500.00} back to me ( $ XXXX ). A CashApp receipt was generated for the refund. The original transaction sent to XXXX XXXX shows as refunded with an 'Identifier ' of # XXXX. I am assuming this is CashApp 's version of a confirmation number. 

The original recipient of the funds sent an email to CashApp on XX/XX/XXXX when I informed him that the funds were not back in my CashApp profile or my bank account. I have emailed CashApp several times regarding this issue and I am still being told that the funds will be sent back to my debit card within 2-3 days. I received an email reply on XX/XX/XXXX indicating that I need to speak with my bank regarding this issue. I do not believe that this is a bank issue because the funds were completely removed from my account via CashApp. I talked with XXXX XXXX XXXX XXXX on XX/XX/XXXX to discuss the issue of the refund. I was informed by the teller that this is a CashApp issue and funds have to be placed back onto the card from which it came from. When this happens ... XXXX XXXX XXXX XXXX will show a pending deposit coming into my account. 

To this date..CashApp has taken no steps to send the {$1500.00} back to my account. Whenever I send an email to check on the status, I am getting replies from a different person each time with same response.
Product: Credit card or prepaid card

My credit limit was reduced due to credit report. I verified my credit report. No issues found. Perfect credit. Citicard did this on both of my XXXX cards, XXXX of which is Costco. They reduced my limit to current balance which SEVERLY affects my credit score.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. 

The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. 

For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. 

In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. 

Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. 

Thank you for your cooperation and your support. 

Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive submitted 3 letters requesting proof that the charges are mine. I did not purchase anything! I do not own a home and have never need to purchase anything regarding the purchases.
Product: Mortgage

We ( my wife and I ) entered into a 2nd mortgage with a company called XXXX XXXX XXXX XXXX ( XXXX ) in the year XXXX. Since we did not consult a lawyer as we we did with our first mortgage ; we believed that the promissory note we signed was an adjustable rate, revolving line of credit due to mature in the year XXXX. The amount of the Loan was for {$31000.00}. What bothers us ( my wife and I ) ; is that we've never missed a payment ; and some months ' we paid more than the minimum payment and we owed around XX/XX/XXXX, {$2700.00}. We should have paid off this loan long before the maturity date. We never received a satisfactory letter ; instead we continue to see the balance owed to XXXX in XX/XX/XXXX increase and increase, for example the balance due was {$32000.00}. 

After doing some research we recently found out that XXXX was sued for millions of dollars for cheating their customers by not applying monthly payments properly ( example XXXX was packing un-necessary fees on the loans, placing multiple points totaling Thousands of dollars on top of double digit interest rates, adding fees on the back of the loan ), result ; one would never pay off their predatory loans. We never part-took in the spoils from this lawsuit. Instead we faithfully kept paying our monthly payments to this predatory company XXXX because our house which we paid off for ( 1st mortgage ) could go into foreclosure with the 2nd lender ( XXXX ) which claimed that we still owed on approximately {$21000.00} as recent as XX/XX/XXXX. 

We were bounced around in house between XXXX and XXXX who were acting as each other 's Servicer to the tune of hundreds of thousands of dollars. Now entered XXXX XXXX XXXX ( SPS ) ; claiming to be the new Servicer and to start sending monthly mortgage payments to them as  of XX/XX/XXXX. We ( my wife and I ) stopped making payments to-date ; enough is enough!, as we saw these payments as a life sentence with no end in sight. Now, SPS is sending us monthly mortgage statements telling to pay {$190.00} so that they can forebear from foreclosure. 

We stopped because we think we were and still is being de-frauded by these companies. We plan to sue SPS if they continue to harass us with telephone calls and their fraudulent statements. 

.
Product: Debt collection

I have made previous complaints about XXXX who has been trying to force me to pay a debt not owed. The debtor has even lied about fixtures that were made to apartment with no proof. I am sure they will try to come up with something out of desperation. 
I have provided documentation showing the move out was negotiable and resident manager was aware. Additionally, under California law, I have the right to vacate an apartment under no lease obligation IF I am worried about my safety. I made a complaint to apartment in reference to two circumstances that I have documented. And the circumstances were overlooked. If I feel that I may be harmed then I have a right to vacate if there is NO true lease or contract.

Genesis has violated the Fair Credit Reporting laws by increasing amount due several times on credit report and lying. I ask that this be sent to a higher representative so Genesis can be regulated under the FCRA. Genesis has tried to force me to pay a debt thats not owed. And done malicious tactics acting a lawyer to collect a debt. I know this tactics are Genesis as I have no other debts owed as per credit report. I wish to have Genesis investigated. They have gone through extremes as using scare tactic against my under age daughter to constantly increasing amount due. But then reports a different story to CFPB. My credit report does not show that this under any investigation. Also, no decision has been made in the 60 days Genesis has lied about. I will continued to fight this false debt owed.
Product: Mortgage

I have for months reached out to Shellpoint Mortgage to request that the additional principal payments that I'm making on my loan be applied to the principal reduction. I have however been ignored multiple times. The principal payments I am making are very small additional principal payments, but they are still additional principal payments and the correct legal accounting principles should still be applied. Shellpoint mortgage can not decide if they just get to hide my additional payments and not apply them to principal. They seem to be doctoring their accounting to not allow my additional payments to be applied to principal. The letter I received from them months ago ( after numerous requests ), outline that any additional principal payments would be applied to the principal, but they are not doing that. They're just holding the additional funds which is not allowed, they classify it as 'Unapplied Payment '. Why, so my principal does not get reduced and they can generate higher fees, that is illegal and unethical, they need to apply standard accounting principals and not withhold my additional payment from my principal reduction. Attached are the images taken directly from my account showing the additional principal payments I'm making, they are very small but they dont apply them to my principal, despite that being the requirement and their letter stating it would be done. In addition after multiple requests they finally apply the principal payments but they do it months later than the payments were made, and then reverse the charge so it does not even apply. Additional principal payments need to be applied to the month they were made in. Shellpoint mortgage does not get to decide to apply the additional payments months later and thus keep my principal higher for all those months just so that it benefits them and they can generate higher fees that is playing with the numbers and taking advantage of clients. They are taking advantage of clients, playing with the accounting numbers to seemingly generate additional fees.
Product: Debt collection

My identity was stolen and used to enter unauthorized consumer credit transactions with Nordstrom TD Bank. Attached below is my FTC report. 

Notice, affiant is aware Nordstrom is dissolved in the state of Texas.Therefore Nordstrom does not have the right to collect in Texas.
Product: Credit card or prepaid card

From XXXX, XXXX through XXXX, XXXX ( 18 months ) XXXX XXXX XXXX ( XXXX ) has made an unauthorized charge to my Chase Debit card of {$10.00} per month, totaling {$190.00}. Chase has agreed that the charges were unauthorized but have refused to refund the amount back to me.

Their reason is that I did not dispute these charges within 60 days. I filed a complaint with their Escalation Department stating the reason for not reporting this claim sooner was that the card was NEVER used. This was actually a second card on my account issued to my executor for EMERGENCY USE ONLY. There was no reason to check the transactions since the card was not being used. Chase verified that the card was never used.

My primary card hadn't been used in over a year as well. When I used my card for several transactions in XXXX of this year, I noticed the fraudulent recurring charge from XXXX and IMMEDITELY reported it to Chase. 
I have also made numerous attempts to contact XXXX which have been unsuccessful.
Product: Debt collection

I started being contacted by Portfolio Recovery Associates in XX/XX/XXXX, I have disputed these 2 accounts twice and asked for proof of verification on the accounts. I was left voicemails on XXXX telling me if I did not get back in touch with them regarding these accounts I would be sued and I needed a lawyer to speak with them regarding the account. My last dispute was XX/XX/XXXX and they have yet to validate this debt but continue to call and leave voicemails telling me what will happen if I did not pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.