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

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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 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: Credit reporting or other personal consumer reports

I have many cases going on with Equifax. 

I do not have a victim determination letter but I have a police report stating that I am a victim of human XXXX, I was robbed, a victim of Identity theft, and a victim of XXXX XXXX. I am requesting that Equifax block any fraudulent and/or suppress items on my credit file due to XXXX XXXX fraud under the XXXX XXXX law and also under the XXXX XXXX XXXX. The accounts that I have not gave anyone permission to open under my name and not mine are XXXX XXXX XXXX XXXX and XXXX XXXX. I am really a victim of XXXX XXXX as well. I am a victim of all of those things. I have not been able to use Myequifax for over 6 years. The agent has told me they will send it to technical support and its never fixed. I reset my passcode and then the system says I do not own a account then when I try to register for a account, Equifax tell me I can not because I own account already. I have all of this information saved on XXXX XXXX and XXXX  XXXX for 6 years plus. If this is not resolved immediately. I am going to have my attorney to sue Equifax and the agents of Equifax personally for discriminating against me and not honoring my disputes, block requests, etc because of my race, background, and things I have been through. I need to be able to navigate moving from being robbed from the people that human trafficked me years ago finding me and sending people after me. All of this will be brought up if I have to sue Equifax for damages ( punitive ). This is unfair to punish me and to be honest this millions of dollars of damages. If I get XXXX  because I can not relocate and move. Both of my children and my spouse will separately sue Equifax for damages, future, current and past punitive. They have everything documented including all agents I have associated with and their employee XXXX. Yesterday I allowed the Federal Trade Commission intake person to listen at them say that the first FTC report was invalid. I had to get a new FTC report and change the report number which have been updated. Equifax is discriminating against me because I have taken them to court before and it was small claims back then. This time it is going to Federal court because of the amount of damages if they do not honor my request. I will also report their attorneys to the XXXX XXXX XXXX, the business to the better business bureau and to the Attorney General. They must take effect on people that are victims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its all Equifax liabiltiy for neglecting me a citizen.
Product: Credit card or prepaid card

I applied online for a Chase Marriott XXXX XXXX credit card. Online, Chase advertised a 0 % introductory rate promotional offer, Marriott XXXX points after a {$1000.00} purchase, and a {$250.00} electronic Marriott gift card, which would be immediately sent via email upon credit card approval. Iwas approved and received the card, but not the {$250.00} gift card nor the 0 % introductory rate. After many, many phone calls and time over the phone over a period of several weeks, I spoke with XXXX at XXXX, who told me I am not entitled to the {$250.00} gift card or the 0 % introductoryrate. I was defrauded, as both of these bonuses were advertised and promised to me online.
Product: Mortgage

Our XXXX Property Taxes have not been paid. An escrow account was set up with our mortgage in order to pay for the property taxes and homeowner insurance. Amount available on our escrow account is more than enough to pay for the property taxes. Deadline to pay the XXXX property taxes was XX/XX/XXXX, and our mortgage was transferred from a company to another on XX/XX/XXXX. The previous mortgage company failed to pay within the deadline, and the current one is not paying it either despite several emails, calls, and a notice of servicing error since early XX/XX/XXXX, when we found out that property taxes were not paid. We never received feedback to our emails, we were told twice on the phone ( early XXXX, and then early XXXX ) that the taxes would be paid by the end of the month, but this was not done in both cases. Today ( XX/XX/XXXX ), the mortgage company solution is to offer to refund us money out of the escrow so that we pay the XXXX property taxes ourselves. But, this is not acceptable to us because late payment penalties have been building up since early XXXX ( ~ {$730.00} ), and we want these late penalties to be paid by the mortgage company who failed to pay our property taxes in time. 
We have been in touch with the county Tax office to explain the issue, we were notified that after XX/XX/XXXX, the issue will be handled by Tax Office to a law firm, and additional penalties and attorney fees will be due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 

In accordance with the fair credit reporting act 15 U.S.C and fair debt collection practice act 15 U.S.C. 1692 XXXX  XXXX {$420.00}, XXXX XXXX/ AND XXXX, XXXX XXXX {$250.00} Has violated my rights and 602A states I have a right to privacy.

15 U.S.C. 1681 604A State credit reporting agencies bureaus or companies can not furnish my report without my written consent or instructions or furnish my accounts or report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX ; I am a XXXX year old female from XXXX, New Jersey. Experian needs to be held accountable for inaccurate reporting. They have been decreasing my credit score for absolutely no reason. There are no new bills, debts, or delinquencies on my account. I have a student loan and two credit cards which never have a balance ( these are not new accounts ). I am currently in XXXX XXXX and my loan is deferred until I graduate. I dont have a mortgage or an auto loan because I own my home and car outright. XXXX  and XXXX  have my score reported XXXX, this is a fair score and reflects my credit history. However, with Experian I was sitting at XXXX and it decreased 23 points this morning to XXXX. This cycle of large decreases has occurred before and no explanation is given, however the other credit bureaus only ever increase or remain unchanged. Experian has the same exact credit history as the other bureaus, and reports almost 100 points less. This violates the FCRA because it is clearly inaccurate reporting. When I want to begin my XXXX XXXX I am going to have trouble with lending due to this 100 point discrepancy that Experian has. I have contacted Experian about this at least three times, and each time they basically say oh well and do nothing. My husband experiences the same exact problem and has approximately a 70 point discrepancy as well ( from XXXX to XXXX ). Anecdotally, I have asked many of my friends how their scores vary between the credit bureaus and they mention similar problems. I would like to bring on a class action lawsuit in the near future. 

They also have this Experian Boost program where you connect certain bills to your credit account which I do not want to do. Now, because they want consumers to use Experian Boost they may be making scores artificially low in order to prompt people to share their private information ( allegedly ). This teeters on the line of extortion and certainly is not legal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agency Equifax is required to ensure the maximum possible accuracy of the information on their reports. Additionally, the Consumer Financial Protection Bureau ( CFPB ) emphasized its obligation to promptly and thoroughly investigate disputes. 

Equifax has been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate reporting standards. I urge you to take this dispute seriously. I demand that Equifax conduct a complete and thorough investigation of the inaccuracies being reported. Please provide any supporting evidence. If they correct or delete any unverifiable information immediately and provide me with a copy of the updated credit report reflecting these changes.
Product: Mortgage

We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incorrectly reported as deceased and was unable to obtain my credit score. I hired an attorney and submitted corrections, but they still haven't updated my information. I still don't have access to my credit score. I have suffered severe economic hardship and loss as a result.
Product: Credit card

Affirm is insisting that I pay for an item that I did not receive. I have provided documentation that the merchant acknowledges the missing item and their policy stating that missing items are covered. However, the merchant is only offering store credit, which I do not want. I am entitled to a refund under their policy.
Product: Vehicle loan or lease

This predatory loan was issued to me a ywar after XXXX  XXXX bankruptcy. It came with a {$440.00} payme on a {$16000.00} car and a 21 % interest rate. Any time Consumer Portfolio gives even a 1 day " extension '' they consider that assistance and use it against you later. I've fell behind at very points during my loan but always caught back up. Back in XXXX I was granted a modification. Shortly after I was hospitalized for 2 months due to covid complications. I was unable to make XXXX or XXXX payments or the RIDICULOUS late fees that I was told would be included in the modification but they werent. Once I got out and went back to work I tried working with CPS. They just told me to find a friend to borrow money from. I managed to talk my dad into helping me out. He's XXXX years old and barely had the money to help but he mailed them a check. I informed CPS of this and they said they'd hold off repo until they got it. To this day they say they haven't gotten it but the check was cashed. My dad then refused to help me again when they started saying they received nothing. I was getting paid on XX/XX/XXXX and though I'd be able to pay {$900.00}. Unfortunately when I got my paycheck it was half the amount thay it should have been. When I talked to payroll they said that I had to " pay back '' days I took that I didn't have sick leave for. They said my 1st full pay will be XX/XX/XXXX. I tried to get a modification or extension with CPS and after ignoring me all weekend today they once again emailed me and told me to either ask a friend or relative because my car is goint to be sent out for reposession. When I mentioned that I was looking into XXXX  XXXX bankruptcy they became more aggressive about reposessing my car. When I asked for a modification since my paycheck will be normal in a few weeks they just refuse and hold any previous help against me.
Product: Credit card or prepaid card

Discover said they were going to lower my interest rate. However, Discover charged me 18.49 % on purchases for XX/XX/XXXX and prior and charged an additional 14.49 % on purchases made on XX/XX/XXXX and after. This resulted in me paying 32.98 % in interest monthly. The interest rate a month was {$270.00} and my minimum payment was {$390.00}. However, I paid them $ 500-700 a month. Even when I paid off the entire balance they tried to charge me {$36.00} in interest on a {$27.00} balance that was on the card for two days.They told me my interest accrued daily and there was no grace period when charging a purchase. When I complained to the company they said we will give you a {$270.00} credit on the account for an account that was opened in XX/XX/XXXX with an excellent payment history. Subsequently, I have paid off this account and closed it. I feel that they was cheating me and other consumers.
Product: Debt collection

This debt collector has been assigned to collect a debt for XXXX/XXXX that is involved in an FBI fraud investigation for a year and half now. I have sent this complaint to you about XXXX and you have DONE NOTHING. Now they have sent this to a debt collector. I wrote them back with supporting documention which includes my FBI Victims Letters and the XXXX banks that have released me from XXXX fraudulent accounts in my name. 

You as the CFPB have done NOTHING to protect the consumer, you have done EVERYTHING to protect the credit card company. I 'm not sure what you people do n't understand, and it 's obvious I 'm a victim or the FBI would not be involved I expect you to do something this time and have this creditor along with XXXX quit harassing me and call the FBI which they have NEVER done and release this debt and take it off my credit report as a charge off They have ruin my once STELLAR credit.
Product: Debt collection

This company LVNV FUNDING LLC showed up on my credit report as reporting a collections for {$270.00}. I do not know this company and I do not owe LVNV FUNDING LLC anything. I have NEVER done business with them. This is FRAUD to put this on my credit when I do not know them. They need to remove this ASAP.
Product: Debt collection

On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. Quality XXXX has yet to respond to my requests.
Product: Debt collection

I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
Product: Credit card or prepaid card

I have had a card with Citi bank since XXXX, On XX/XX/XXXX, I accepted an offer from Citi to make a balance transfer with a monthly rate of 0.00 % until XX/XX/XXXX, the charge for the balance transfer corresponded to 5 % of the total amount of the transfer, On XX/XX/XXXX, I transferred an amount of {$2000.00} us and paid {$100.00} dollars fees for that transaction, On XX/XX/XXXX, it had a total balance of XXXX distributed as follows : XXXX XXXX 24.74 % ( V ) {$1700.00} ( D ) XXXX 4 0.00 % {$1900.00} ( D ) {$0.00} ( Balance Transfer Rate Expires XX/XX/XXXX ) On XX/XX/XXXX, I contacted the Citi Bank customer service line and asked if I were making a payment of {$2000.00}, that payment would be applied to standard purchases or to the balance transfer, the bank employee informed me that it would be paid to the capital with higher interest. 
For the corresponding period of the month of XXXX, between XX/XX/XXXX and XX/XX/XXXX, the minimum payment for the credit card was {$62.00}, however, I made the following payments : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$100.00} XX/XX/XXXX ELECTRONIC PAYMENT-THANK YOU- {$2100.00} With surprise, I observed in the statement for the month of XX/XX/XXXX that my extraordinary payment was applied proportionally to both standard purchases and the balance transfer, as can be seen below XXXX  XXXX 25.49 % ( V ) {$890.00} ( D ) {$19.00} XXXX 4 0.00 % {$1100.00} ( D ) {$0.00} On XX/XX/XXXX, I contacted the client service of Citi Bank XXXX after explaining the situation to two of the employees, they left me waiting on the phone and hung up on me, it took about an hour and a half on the phone, but finally, I contacted the employee, it was XXXX XXXX, the employee gives me false information, first, he told me that the payment was paid to the next installments and then he said that it was applied to the installment that was going to expire in XXXX. Finally, he did not give me any solution. 
In consequence, I see my rights as a financial consumer violated because the payment should have been paid to standard purchases with higher rates, because I paid a charge of {$100.00} for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied. 
In consequence, I see my rights as a financial consumer violated because the payment should have been applied to standard purchases with higher rates, because I paid a charge of XXXX dollars for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied.
Product: Credit reporting or other personal consumer reports

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and DELETE the listed ITEMS below. 

XXXX XXXX XXXXXXXX XXXX- this accoun was DELETED FROM the other bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX