23daVinci/CFPB_Complaints huggingface dataset:
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 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.

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 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: Debt collection

I was a rental at property XXXX XXXX XXXX XXXX XXXX LA. I was renting from XXXX XXXX XXXX, I became unemployed, and was struggling to pay rent. I contacted XXXX XXXX, which was my contact person with this company. 
I explained that I lost my job, and was unable to pay the rent. Instead of my living in the property until I was evicted, would they be willing to allow me out of the lease. She stated that she would contact the owner. 
She contacted me back stating if I forfeit my deposit and allow agents to show the property, while I was there for my last month which was XX/XX/XXXX, that the would let me out of the lease. I allowed agents to show the property, plus forfeit my deposit and left the house in immaculate condition. 
3 mos, a company listed as LBCC Louisiana Bureau of Credit appear on my credit report, XXXX  and XXXX stating I owe XXXX. I contacted XXXX, and explained the agreement, and was informed to contact XXXX XXXX XXXX, I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX, which stated that she would have XXXX, to call me as of today XX/XX/XXXX. I have not heard from anyone. I do not owe this company, I kept our agreement, and now they are trying to get money I do not owe. They also, stated that the house was in immaculate condition. I am not sure as to why this is being reported when our agreement was kept on my behalf. I am not even sure were they came up with the figure of XXXX, since I only had one month left of the lease and the rent was XXXX. No damage to the house.
Product: Debt collection

On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia that even with my final Divorce Court Order decree dated around XX/XX/XXXX, XXXX Court Case number XXXX XXXX awarding 100 % of my former single family residence to my now ex-wife effective immediately, " XXXX '' refused to " Delete '' the " Foreclosure '' negative entry off of my " XXXX '' credit report after my now ex-wife stopped paying HER mortgage sometime in XXXX. " XXXX '' told me to contact the former mortgage lender named " XXXX XXXX XXXXXXXX XXXX '' out of XXXX XXXX XXXX, Florida.
I did so in writing.
On or aroundXX/XX/XXXX, I received a two page letter from " XXXX XXXX XXXX XXXX, '' dated " XX/XX/XXXX. " XXXX '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " Altisource Portfolio Solutions, S.A. '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( now trading at about {$27.00} per share as of this writing ).
And I also did so in writing.
On XX/XX/XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to " Altisource Portfolio Solutions, S.A. '' via regular U.S. mail postage.
For nearly 3 weeks I heard nothing back from " Altisource Portfolio Solutions, S.A. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. The company " signed '' for my letter about 4 days later but still did NOT respond. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response.
Yet here it is on XXXX XXXX-Friday-XXXX and I still have NOT received their so-called written response.
Thus, I need help from the Consumer Financial Protection Bureau.
"
Product: Credit card

Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times collection accounts with XXXX Transunion and XXXX that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.
Product: Debt collection

I was contacted by a company ( XXXX  ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX  and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.
Product: Vehicle loan or lease

I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.
Product: Credit reporting or other personal consumer reports

On my credit report it states that the original credit is IC Systems and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.
Product: Debt collection

I am a victim of identity theft. Someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX. I never applied for an account with XXXX. I been receiving harassing and threatening telephone calls and death threats from XXXX XXXX XXXX in regards to the unauthorized and fraudulent account and debt. The account do not belong to me.
Product: Mortgage

Our mortgage through AmeriHome Mortgage was satisfied ( closed ) on XX/XX/2019. We have been waiting on escrow and overpayment refund for 27 days. The automated phone system states that all monies owed back to the customer would be released within 20 days.
Product: Credit reporting or other personal consumer reports

VIOLATION OF 15 USC 1681s-2 section 623 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. 

1.A. Reporting information with actual knowledge of errors. Balance, payment history, Actual amout of payments, first date of delinquency. 
XXXX, Reporting information ofter notice and confirmation of errors. Direct dispute and notification by me notifying of erreors, XXXX confirmation receipt XXXX, XXXX, XXXX D.Reasonable cause to believe information is inaccurate. Attached XXXX XXXX own payment history and statement of balance owed along with copy of experian and XXXX reports to demononstrate inaccurate reporting 2. A.Duty to correct and update information. With each dispute and direct notification XXXX XXXX continues to cerify information reporting correctly with evidence that is was not. 
3. Duty to provide noticeof dispute. XXXX XXXX reports previously in dispute resolved by furnisher. Dispute has never been resolved I have included their own financial history submittwed to the cfpb
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, Equifax, XXXX XXXX and XXXX. A lawyer has agreed that their not contacting me in advance is a serious violation. 
I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me. 
The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.
Product: Mortgage

I have been overcharge by Shellpoint  Mortgage for fees and late charges as of XX/XX/XXXX in excess of {$1800.00}. I've asked several times for an explanation since XX/XX/XXXX from the company, but have not received a response. I charges are incorrect and without merit. I have had this mortgage for over 20 years and I have experience nothing but problem since it was transferred to ShellPoint  Mortgage.
Product: Debt collection

CFPB Complaint Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy. 
XXXX. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ). 
XXXX. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail. 
XXXX. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement. 
* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges. 
XXXX. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state. 

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : CREDIT COLLECTION SERV Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.
Product: Credit card or prepaid card

Prior to stopping autopay in XXXX and closing my Citibank account ending XXXX on Tue, XX/XX/XXXX ; I asked Citibank several times via CFPB to lower my payments because I am XXXX XXXX  XXXX and my sole income is my VA benefits - Citibank refused to provide options for my situation. So, I told Citibank to write off the account or have the matter heard in federal court. 

I received my Veteran Affairs XXXX payment on the XXXX of XXXX. Out of nowhere and without my authorization, on XX/XX/XXXX there was a 'ACH Transaction - CITI AUTOPAY PAYMENT - ACH Debit ' XXXX  XXXX dollar Citibank STOLE XXXX out of my checking account - telling XXXX it was an autopay. Citibank falsified information to XXXX to gain access to my account. I canceled autopay prior to the account closing and the representative I spoke to today said, 'Citibank does not have autopay on closed accounts ' In addition, last month, in XX/XX/XXXX Citibank did not touch my account. Citibank does not have a judgment from a court judge giving them permission to access nor take my Veteran Affairs direct deposit money. Citibank also violated the law as I did not give Citibank written authorization, taped phone call authorization nor did I send Citbank written confirmation prior to the debit from my XXXX - what Citibank did was extremely unethical and illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 13 negative collection on my report that are still there even though they are closed I have disputed many of them but they say they did nothing wrong I also had a equifax breach on my report back about 6 months ago And I have loans that I didn't even apply for on my report
Product: Credit reporting or other personal consumer reports

They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/2022. 
XXXX ) For XXXX, XXXX and XXXX of 2022, I entered into a hardship program with XXXX. My payments were interest payments around {$78.00} agreed upon by the XXXX XXXX XXXX. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at XXXX keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, XXXX can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

XXXX ) Once in May 0f 2022, my bank ( XXXX  ) returned my payment, Once I became aware, I made restitution right away. XXXX went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

XXXX ) XXXX blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting
Product: Credit reporting or other personal consumer reports

Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus XXXX XXXX and transunion informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable.

After a week of requesting to unlock, unblock, and unfreeze my account. Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file.

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before.

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted and the new items they combined with my True credit report ; that was on a second credit report due the ID theft.

Items Equifax verified as not mines and/or fraud, was deleted on my credit report has re-a paired on it ; without No prior written notice to myself.
Product: Mortgage

I have Had an adjustable rate mortgage for about 15 years now this is a fairly new processing company and I have yet to receive the notice that my payment will be changing which normally adjust as of XX/XX/XXXX
Product: Credit card

Hello, I applied Apple XXXX card as a first time user using their promo which was sent to me via e-mail. 

The Apple Card was offered at Goldman Sachs. The promo email says I need to open a new Apple card account XX/XX/XXXX through XX/XX/XXXX which exactly what I did. I applied to open my XXXX  card on XX/XX/XXXX and spent more than {$2000.00} in the first XXXX days. The second requirement was to spend {$1500.00} or more within XXXX  days of opening. 

So until here, I satisfy all the conditions to get {$300.00} promo. However, Goldman Sachs says I am unable to receive the offer because my card was approved XX/XX/XXXX. They acknowledged that I applied on XX/XX/XXXX which was the last day of the promotional offer but they say my card was approved a day later. 

However, consumers do not have any control over the approval, as a consumer I can only do my part to apply a new card within the specified promotional dates and satisfy all the conditions. The promotional email does not mention anything about the approval process, it was mentioned- I could have follow up to get it approved but again this is not something consumers have any control on. 

When I contacted with Goldman Sachs customers agents and supervisors, they all acknowledged that I applied the last day of the promo and they do not help at all even though I opened several cases with them. All of my inquiries got rejected. I attached the conversation with Goldman Sachs agents via Apple card text support for your reference. 

In this case, I kindly ask your help for resolution to receive {$300.00} as indicated as part of the promo. 

Kind regards,