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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX 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 XXXXXXXX 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

My mortgage company - SPS ( Select Portfolio Servicing ) performed an escrow analysis on my account and accordingly my payments were increased. Upon reviewed the analysis I realized they are not using the correct tax amount as my property taxes is significantly lower from what they are estimating. After several phone calls, SPS advised me to email a different company XXXX with the documentation showing the real tax amount. I emailed that company on XXXX/24XX/XX/year> and now we are XXXX weeks passed and I did not get any response. I tried calling again and I was told that I need to wait till XXXX. This is absolutely outrageous as my tax payment are almost {$800.00} lower PER MONTH!! why would i need to wait so long??
Product: Debt collection

LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX, XXXX. Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. transunion and XXXX did not and are in current violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. XXXX. ) Date of last active illegal {$1000.00} violation TransUnion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. XXXX. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Credit card or prepaid card

I opened a new business charge card account with  Citi bank in   XXXX   XXXX  . For 2 months i received the bill and paid it on time. After that I stopped receiving bills from Citi bank and later learned that my bill was going to an incorrect address. Now I am charged with late fees and finance charges that Citi bank required me to pay even though the bill was sent to the wrong address! Not only that the paper statement contained the entire 16 digit account number! I have repeatedly called Citi bank to try to resolve this but they were not helpful at all. I closed my account after paying the late fees and finance charges so that whoever was receiving my paper statement would not use my charge card. Citi bank employees could not give me the address that the bill was going to because they s aid they could lose their job. All they could say was that the bill was not going to the address that I gave them when I told them my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter with XXXX in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.
Product: Money transfer, virtual currency, or money service

Incorrect XXXX created by CashApp Around XX/XX/XXXX I received a letter from the IRS indicating income I did not earn. I am a member of the XXXX XXXX XXXX XXXX XXXX. I assisted the finance committee with creating a CashApp account. My name & XXXX were only used to set up the account in XXXX. The XXXX 's bank account information is on CashApp. All the monies went directly to the XXXX bank account. The IRS advised me to contact CashApp to correct the XXXX to reflect the XXXX XXXX XXXX XXXX. The XXXX and I contacted CashApp via the App who indicated to upload two months of the XXXX bank statements showing that the monies were deposited into their account. All required information was uploaded via the link CashApp provided. The paperwork was uploaded on XX/XX/XXXX, and again XX/XX/XXXX. I contacted CashApp for an update XX/XX/XXXX, through the CashApp chat, but was told by them there was no need to contact them, that they will email once the case was addressed. On XX/XX/XXXX, the XXXX received an email stating, We closed your case because a response was provided, or it's been more than XXXX  days since we've heard from you. The XXXX still has not been updated, and I am still required by the IRS to pay {$30000.00} for monies I never received. I need CashApp to correct all the XXXX reports in my name, XXXX, XXXX and XXXX.
Product: Checking or savings account

On or about XX/XX/XXXX my wife was informed by Santandar Bank that money was taken from her money market account by an unknown person ( s ). This bank then said the money would be returned after their fraud dept. Investigated. On XX/XX/XXXX I received a letter from Santander bank stating we would not receive our funds back. Their reasoning was that the transaction was made between own accounts, no loss. An account was somehow attached to my wife 's account by a person named XXXX XXXX for XXXX $ the tranfer date was XX/XX/XXXX. We told the bank this was fraud, and that this was not authorized by my self or my wife. The claim reference number is XXXX. The bank we spoke with was in XXXX, phone # XXXX I spoke with XXXX XXXX his email is XXXX XXXX
Product: Debt collection

I work for a XXXX XXXX XXXX, and Sequium Asset Solutions calls the direct line to my office at least 1 time per day, sometimes more. I was on vacation 2 weeks ago, and the caller ID registered at least 7 missed calls.
I have spoken to them on maybe 4 or 5 occasions, and they tell me that they are placing the number to my direct line on their " Do Not Call '' list. I have spoken with customer service representatives, and I have spoken to company supervisors. I last spoke to a " XXXX XXXX '' at about XXXX XXXX today, XXXX XXXX, 2017. 

I told XXXX XXXX that I feel harassed, especially because I have requested that they STOP CALLING my direct line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax already deleted the account in dispute. Now it's reinsert and they even changed the delinquency date to current so that they can have there for longer
Product: Credit card or prepaid card

In  XXXX  o f 2017, I  called to close my account at   XXXX   XXXX  . They were going to waive a few additional fees and submit my account for closure. In   XXXX   of  2017, I rece ived an additional bill showing that additional fees were accessed and my account was still open. I called and they said they would waive fees but I needed to call ba ck in 10-14 days to   close the account. I told them it was not acceptable and they needed to write me via email when the account would be closed. I received an original confirmation from   XXXX   XXXX  , but now they will not correspond to me via email to verify account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with the Fair Credit Reporting and XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX accordance with the Fair Credit Reporting and XXXX  Account has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

L J ROSS ASSOC Is reporting a debt of {$1000.00} with the original creditor being XXXX XXXX XXXX and light XXXX on all 3 credit reports on XXXX. I demand this be removed immediately. This debt does not belong to me. Fair credit reporting act mandates that improper and inaccurate information be removed immediately
Product: Credit reporting or other personal consumer reports

I have disputed and called Experian several times speaking with agents and supervisor just simply trying to update my person information making them aware that I have been a victim of identity theft for some time now and these people are still able to bypass and verify my identity with old information. The company told me that they COULD NOT and WOULD NOT update all my personal information.
Product: Bank account or service

In XXXX Bank Of America bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Bank of America took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Bank of America. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Bank of America. I tried to refinance in XXXX but Bank of America had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Bank of America reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Bank of America denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Bank of America is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Bank of America constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/year> {$1600.00} Sunrise Credit Services XX/XX/year> {$1200.00} XXXX XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is  among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting or other personal consumer reports

Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a XXXX.
Product: Vehicle loan or lease

I purchased a vehicle from US Auto Sales in XX/XX/XXXX. The first 2 months I had no issues. So, I went to try and trade my car in because US Auto Sales wanted nothing to do with me once I purchased my vehicle. If i was not calling about making a payment, they were very dismissive. I ended up taking my car to XXXX and XXXX and they stated they wouldn't be able to take the car without $ XXXX or better because the car has so much negative equity. I showed my contract that I had with US Auto Sales and almost everyone said the exact the same thing. When informed, I was overpriced and my payments are excessive, I immediately called US Auto Sales. Again, I was dismissed and actually hung up on a few times. I've always said after that experience I would NEVER refer ANYONE to them. The times I would make my payment, my car would beep and then be off by the next morning. They've turned my car off on me at gas stations, work, doctors appointments, and i wasn't even past due just a " system error '' on their end. It was always something with them. And here they are now facing a lawsuit. WELL DESERVED! I knew something was not right about them, but they were literally the only company that approved me, when I was in XXXX need of a car. They prey on vulnerable individual 's. {$480.00} sometimes when i would call it would be {$590.00} A MONTH for a XXXX XXXX XXXX and was priced for {$23000.00}. If I knew THEN, what I know now I wouldn't be filing a complaint. Thank you all for taking action against this company, I'm grateful for that alone, clearly they've been doing this for a very long time.
Product: Vehicle loan or lease

Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date
Product: Debt collection

I was contacted by " Receivables Performance Management '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/XXXX and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from XXXX XXXX try to collect on the same account. I immediately called them and told them about RPM and the settlement. They told me they would look into it in contact me. I got on the phone and contacted RPM and I was told they were going to have to pull the voice recordings from XX/XX/XXXX. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and RPM and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report XXXX XXXX is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!