23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Succinctly stated, my complaint is over a collection procedure problem I have with a company named LTD Financial ( hereinafter LTD ). This company sent me a letter about an alleged debt they purchased from a business with whom they ostensibly assume I owe money.

I received a letter from LTD to which I responded promptly in XXXX of this year. I am aware that under the Consumer Financial Protection Bureaus XXXX Debt Collection Practices Act ( hereinafter FDCPA ), I have certain rights so I completed the form provided in LTDs letter to me and mailed it certified to them at the address they provided on XX/XX/XXXX, XXXX, LTD Financial Services , LP, XXXX XXXX XXXX, XXXX, TX XXXX. Although LTD noted that this po box address be used in return of its form requesting information on the alleged debt, its physical address is listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a phone number listed as ( XXXX ) XXXX.My certified letter did not have a return receipt requested card attached to it ( see attachment ) as I did not pay for that service. I only wanted to have verification that my letter had been delivered via the tracking number. However, when checking the tracking number, the information incredulously posted showed that the letter was awaiting pickup by the addressee at a XXXX, Texas postal facility. Days later an update notation indicated that the letter was being returned to the sender but to this date I have not received my certified letter back. 

The FDCPA requires that I be given an opportunity to dispute the debt within 30 days in writingto request the name of the creditor, and verify the amount allegedly owed so that I can dispute it. I requested this information by way of my certified letter addressed to LTD at the address provided by them. LTD has not responded to my letter through refusing to accept it. 

As an XXXX XXXX XXXX senior, I have received unproven debt letters from collection agencies in the past and am confident that this is yet another such bogus debt. My practice in interacting with collection agencies on any unsubstantiated debt claim is to do so via mail so that I have a written record from that collection agency that can not be disputed and I never pay a collection agency but instead pay any verifiable debt to the business itself.
Product: Vehicle loan or lease

On XX/XX/XXXX my boyfriend and I purchased me a XXXX XXXX XXXX from XXXX because my truck transmission went out and i needed a way back and forward to work and appts. We were told we had to pay {$19000.00} XXXX XXXX years later my loan says I owe {$17000.00} we have made XXXX payments totaling {$26000.00} only {$1900.00} went to principle and {$23000.00} went to interest for the first XXXX XXXX years only {$48.00} went to principle. They repoed my car after being 1 day late and we had to pay {$1600.00} to get it back. It is hurting my credit, and we are trying to buy a home on my credit it shows 20 missed payments and 20 on time payments and 11 no data they didn't include XXXX XXXX XXXX XXXX XXXX XXXX. The on time payments do not reflect the amount owed. Since I started checking into my loan and asking questions and also reporting them to the Attorney General they have been taking out more principle this year. They were sued and settled with a class action lawsuit about the repoing people cars for no reason last year They are not a good company to go through and their interest rates are too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had the Avant credit card since XXXX  of XXXX. I have never been late on the card up until XX/XX/XXXX, I scheduled my credit card payment for the scheduled date and it posted business days later. After that late charge and I followed up by paying the card off in full on XX/XX/XXXX. I called and asked as a courtesy if the late fee can be refunded/waived. The representative that I spoke to, said she would put in the late fee waiver request. Two days, later I received a letter via email stating that the request was denied. I called multiple times since XX/XX/XXXX and each time spoken to representative XXXX  despite my request to speak to the corporate headquarters in Illinois. Also, I dialed the corporate headquarters toll free number and was routed to an XXXX  contact center. Some of the representatives there have been rude, short and unable to explain the terms in the credit card agreement that prohibits fee waiver as a onetime courtesy. Most importantly, I made a payment in full, and despite that balance remaining on the account after the statement cycled on XX/XX/XXXX was {$52.00} and that amount was due in full for the next payment date of XX/XX/XXXX. I called to inquire on how I owed this amount, which I am disputing. Again, the representative was uninformed, and short. The minimum payment generally is a percentage of the balance owed not obligating the consumer to pay the full amount. Finally, as of today 's date, XX/XX/XXXX the account is showing I have negative XXXX available despite the fact I paid the balance in full and made an overpayment. I believe Avant is misrepresenting the credit card agreement, stating false information over the phone and providing inaccurate updates of the credit card account 's current and available balance. I have not been able to access my account funds as a result and have spent countless time trying to reach corporate headquarters regarding this matter. IT IS BAD CUSTOMER SERVICE AND NEGLIGENT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in those account 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. 


XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial to inquire about the pay-off and purchase price for my auto lease for a XXXX XXXX XXXX XXXX. I was informed that there was nothing they could tell me until my lease was paid in full. 
On, or about, XX/XX/XXXX, I made my final lease payment nearly 4 weeks early so I could begin the purchase process. 
After waiting 5 business days for the account to be updated, I called Chase again. I was told to go see the dealer whom I leased the car from to refinance it. After visiting the dealer and obtaining a purchase price that was over {$1500.00} more than the contracted purchase price stated in the lease, and having the car keys taken until a demand had to be given in order to get them back, the dealer price was unacceptable. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told this time that Chase would do the financing. I agreed, and Chase tool all my information and said someone would call me back. Nobody ever called back. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told someone was working on it. 
On, or about XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about financing the purchase of my Lease that doesnt officially end until XX/XX/XXXX ; last payment due XX/XX/XXXX but made XX/XX/XXXX. XXXX XXXX took all my information and said they would let me know. 1 day later I was approved, and all they needed to know was the details of the payoff from Chase that I have been unable to receive. 
I called Chase several times since then, with the most recently called and spoke with Chase on XX/XX/XXXX. At that time, they said they would fax over the buyout package to my XXXX XXXX representative and I gave them all names and numbers to fax immediately. At that time, they again tried to make me talk to someone who could clear up the problem, but I knew it was someone who would again try to sell me on their local financing and then never to be heard from again. I told them I only needed my payoff package and the girl said it was on its way. To date, XXXX, my XXXX XXXX representative has received nothing from Chase and my lease is officially over, with Chase expecting new payment but will not give me any response of the buyout amount in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy Cash listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX, ) 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 in ( MONTHS REPORTING LATE ) 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. 


( XXXX, XXXX XXXX, XXXX, ) 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!

Delete the late payments from my consumer reports
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY CURRENT MORTGAGE COMPANY SHELLPOINT MORTGAGE AND WAS DENIED DUE TO HAVING EQUITY IN MY HOME. THIS IS ABSOLUTELY INCORRECT AS I HAVE XXXX MORTGAGES WHICH MAKES ME UNDERWATER. I TRIED TO EXPLAIN THIS TO MY ASSIGNED REPRESENTATIVE XXXX XXXX, HOWEVER IT IS APPARENT HE WAS NOT HIRED FOR CUSTOMER SERVICE BUT TO ARGUE THE POINT HE DOESN'T CARE NOR WILL THE COMPANY HE WORKS FOR WILL DO ANYTHING ABOUT IT. I HAVE BROKEN DOWN THE LIENS ON TITLE TO SHOW THAT I AM UNDERWATER ON THE PROPERTY AND SHOULD NOT BE DENIED FOR HAVING EQUITY AS HE STATED, HE SAID ITS NOT HIS PROBLEM. 

My mortgage balance on the first XXXX is {$240.00}, XXXX ( {$34000.00} delinquency estimate ) My mortgage balance on my second lien is {$100000.00} Total {$380000.00} Appraised value per representative {$350000.00}
Product: Debt collection

Received certified letter mailed to myself in my maiden name to my previous address ; my parents home. In this is what appeared to be an Order Appointing Receiver filed in the justice court of the county we are in, not signed by a justice of the peace. As well as an Application for Appointment of Receiver after Judgement dated XX/XX/XXXX. Also was what appears to be an affidavit dated XX/XX/XXXX. A letter to the court with a case number and file number dated XX/XX/XXXX. A Final Default Judgement dated XX/XX/XXXX that appears to be signed by a judge presiding in my county. None of these documents look legitimate. I live in Texas and this is for a credit card debt that is over 8 years old. This does not show on my credit report either. Theyve sent me something similar for this previously and I called the county court in the county it says and the precinct also and they said disregard. This company stayed on the supposed court documents is Midland Funding LLC, the letter to the court is by Midland Credit Management XXXX XXXX XXXX, XXXX, TX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Product: Credit card or prepaid card

Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays.

I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it. 

I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet. 

I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.
Product: Debt collection

I randomly came across this on my report and reached out to have them verify the debt I explained I have never done any business or taken any card out with them. The company is yet to verify this information for the last XXXX of years.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}
Product: Credit reporting

I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.
Product: Mortgage

Hi! 

I have a mortgage with Carrington Mortgage on XX/XX/2018 I set up automatic payment arrangements to catch my mortgage up, because I missed my XX/XX/XXXX Payment due to being off work for a medical emergency without pay. These payments were scheduled to come out automatically on XX/XX/XXXX, XX/XX/XXXX and then I would have to call in for the XXXX payment. The payments came out as suppose to for XX/XX/XXXX, however the XX/XX/XXXX payment did not come out on XX/XX/XXXX so on XX/XX/XXXX when I realized it didn't come out I went into the payment portal and made the payment online myself. Well on XX/XX/XXXX, Carrington tried to process that payment as well as the one originally scheduled which caused my bank account to go into overdraft for one of the payments and it was returned. The payment that was automatically scheduled was paid with funds in my wells fargo account that day. That amount was XXXX. I found out in XX/XX/XXXX, that Carrington is now saying they received no payment in XX/XX/XXXX, and that it was returned. This is not the case. Only the payment that I tried to make when the original payment they were suppose to pull didn't come out on time. The payment that Carrington automatically deducted did come out and I have a bank statement showing that deduction. I have contacted Carrington numerous times about this payment and have told them and explained what happened, and I was given a fax number for their research and investigation department. I sent them a letter explaining what happened and a copy of my XX/XX/XXXX bank ledger directly from the bank. As of today XX/XX/2018 they are still saying they have no record of that payment at the mortgage company and that it is being researched. I am making a payment today, but because of this it is still showing me one payment behind which is not true. Thank you for your help.
Product: Credit card or prepaid card

I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.