23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Freedom Mortgage. They are incorrectly reporting our XXXX, XXXX payment as late, even though the payment was made on time. 

On XXXX XXXX, XXXX, Freedom Mortgage was notified that I was in a Chapter XXXX bankruptcy. They suspended our ability to make payments online, so we were forced to mail a check into them. They did not receive ( or process ) the initial payment we mailed on XXXX XXXX, XXXX. They finally deposited the second check we mailed on XXXX XXXX, XXXX. They failed to process our payments in a timely fashion, which is causing a 30 day late payment on my credit report. 

Here is a summary of the charges on our statement. 

XXXX/XXXX/XXXX Payment Received ( {$2300.00} ) Detail XXXX/XXXX/XXXX Payment Received {$3.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail ( For XXXX XXXX, XXXX ) I have been asking for an explanation on this and they have failed to provide me with why the first payment was not deposited and the second payment was not credited properly, allowing the account to go over 30 days late. 

Furthermore, their online system is currently saying we are due for XXXX XXXX, XXXX, so we are not as late as they are reporting on the credit bureau.
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 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 30 days 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 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: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX ACCT NUMBER : XXXX DATE : XX/XX/2018
Product: Credit card or prepaid card

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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: Checking or savings account

This was for a job on XXXX I was mailed fraudulent checks under the pretense I would send them the tech vendors and get equipment. I signed a W4 and a job letter and everything. I have all the XXXX XXXX, XXXX data, messages, emails. And correlating XXXX transactions to prove I did not make these checks. I was lied to and it was fraud. 

I am XXXX and have XXXX and USAA quite literally hung up on me saying I should have called the check bank and said it was my fault and there would be XXXX investigation. And I would be XXXX in my account. Money I do not have or imagine having soon at all.

I asked if I would file a police report if it mattered she said no. Nothing would matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax Report # XXXX has violated my rights as a consumer, natural person.

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 an account without my written instructions 15 U.S.C 1681a ( 3 ) section 602 states Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S.C 1681a ( 4 ) section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681b ( A ) ii states the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give Equifax, consumer reporting agency the right or consent to furnish, establish or publish any report on me with my personal information. My privacy has been violated, my demands have been ignored. This report that has false, incorrect and inaccurate information has caused me financial stress, hardship, and denials to everyday life essentials. This has affected my life in a terrible way and Equifax has failed to do their duty.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Payday loan, title loan, or personal loan

I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!
Product: Credit card or prepaid card

I have my pay roll check coming to this blue bird prepay card .. I have money in this account that I can not withdraw or use to purchase anything. I cant check my balance and when I attempt to call the customer service there is no answer .. I need my money and they are holding my money hostage this has to be illegal
Product: Checking or savings account

On XXXX XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below zero and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. 

Subsequent correspondence indicated Wells Fargo had offset my personal funds to accommodate a business loan my ex-wife ( 5 years divorced ) had accrued. Her business was organized as an LLC and personal funds were not to be co-mingled in paying off the business debt. The offset of my personal funds to pay off my ex-wifes LLC business dept is fraudulent and illegal.
Product: Debt collection

TSI repeatedly tried to collect a debt that was not mine. I repeatedly asked for an invoice, which they are legally required to provide. After 6 months of going back and forth, their calls stopped. I found out this week that they had reported this to the credit agencies without any action on their part to resolve or provided the required backup documentation. After it was on my credit report, I went back and found my date book which showed I was out of the country and was able to confirm by the stamps in my passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i opened a retail account to purchase a hot tub for {$8400.00}. After regular payments and decreasing the balance within {$5000.00}, i made a {$5000.00} payment on XX/XX/XXXX. Then was reported for 30 days late for XXXX payment. Come to find out that the XXXX payment i made for {$5000.00} was included in the XXXX billing cycle since it was made on XX/XX/XXXX. the very next day, XX/XX/XXXX started the XXXX billing cycle. 1 day difference caused a XXXX late notice on my credit report. Then there was a {$330.00} balance left on the account. I made a {$100.00} payment on XX/XX/XXXX and a {$100.00} payment on XX/XX/XXXX, Wells Fargo again reported me to the credit bureaus for late payments. Then on XX/XX/XXXX, I paid {$100.00} and XXXX XXXX {$30.00} which completely paid the account off before the XXXX due date of XX/XX/XXXX. Now i have late notices on my credit report for XXXX, XXXX, XXXX, and XX/XX/XXXX. This has dropped my score by almost XXXX points and i no longer qualify to purchase the home i just had built and i am homeless as i sold my previous house. It is not like i did not make payments, I paid off in under a year, or didnt attempt to pay the remaining balance. Most of it seems to be a timing issue of literally 1 day here and 1 day there. This has had such a horrible adverse effect!
Product: Credit card

Since XX/XX/XXXX, I 've used a Kohl 's credit card with all payments made promptly until XX/XX/XXXX. In XX/XX/XXXX, I changed my billing method from " paper '' to " electronic '' billing and in XX/XX/XXXX, Kohl 's called stating I neglected to pay them for the months of XX/XX/XXXX and XX/XX/XXXX, so I immediately sent in the full amount owed. I discovered that when I switched from " paper '' to " electronic '' billing, the Kohl 's bill went to my " spam '' email folder without my knowledge. Meanwhile, we were busy preparing our home for sale, and I lost track of the fact that my Kohl 's bill was delinquent. I subsequently sold my home and have an offer on a new home that we can not purchase because XXXX XXXX reported the missed payment exceeding 30 days to the credit bureaus. I reached out to Kohl 's Corporation Executive XXXX XXXX on Friday, XX/XX/XXXX, and a representative from her office, XXXX XXXX, contacted me XX/XX/XXXX. I requested a letter to be faxed to my mortgage broker to include the following information : 1. The customer is current on the account. 
2. The customer 's credit status is : " payed-as-agreed '' with the " late fee '' designation removed. 

The letter she faxed did not contain the requested information, and so I contacted and she reluctantly agreed to a conference call to include I and my mortgage broker on Wednesday, XX/XX/XXXX between XXXX- XXXX Pacific time. We called her at XXXX, left a message and, thirty minutes later called again, and there was no answer to either call, nor were my subsequent voice messages returned. It is now, Friday, XX/XX/XXXX, and we will lose the house we placed an offer on because we can not qualify for the new home loan until Kohl 's responds to our request. 

While I respect the right of the Kohl 's Corporation to collect debt, I have been a card holder since XX/XX/XXXX with no late payments and I believe a " courtesy '' call was appropriate before Kohl 's reported it to the credit bureaus. The late payment is my responsibility, but it was due solely to the electronic bill notification going to my " spam '' folder. This was my single missed payment in 7 years, resulting from an unforeseen computer glitch and now I must explain to my family that it results from a department store acting like a bully that we will be homeless in two weeks.
Product: Debt collection

XXXX XXXX car claims that the car I rented got scratched while I was renting it. I know that I did not cause the scratch on the car. XXXX did not refund my {$300.00} deposit. They are alleging that I owe an additional {$1100.00} for repairs. They have failed to provide invoice for any repair cost, or any photos documenting the scratch did not exist prior to my rental period. They have also not provided evidence for their " loss of use '' claim either, nor confirmed that no other customers are being charged for the same scratch. They do not have a clear before photo to prove that the scratch was not already present. I sent them this letter : Dear Alternative Claims Management, I am writing to formally dispute the claim regarding alleged damage to the XXXX XXXX XXXX rented on XX/XX/XXXX. I know that I am not responsible for the scratch, as I returned the vehicle in the same condition in which I received it. 
To resolve this matter, I request the following : 1. Time-stamped photos of the vehicle 's damage taken immediately before and after my rental period.

2. A detailed breakdown of repair costs, including invoices or estimates.

3. Documentation supporting the " loss of use '' claim, including rental records proving the car was unavailable for use.

4. Proof that the damage was inspected and noted at the time of return in my presence, as per the rental agreement.

5. Verification that no other customers have been charged for the same damage. 
Please consider this letter a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ). I request that you cease collection activities until the debt validity has been verified. 
Thank you for your attention to this matter. I look forward to your response within 30 days. 
Sincerely, XXXX XXXX They responded with photos that absolutely do not prove the scratch was not already present prior to my rental to which I responded : XXXX XXXX, Thank you for providing the photos as evidence regarding the alleged damage. After careful review, the " before '' photo presented is extremely blurry and lacks sufficient clarity to establish that the scratch in question was not pre-existing. The image quality is so poor that any such scratch, if present, would be completely obscured. This undermines its validity as evidence. 

Under consumer protection standards, it is your responsibility to provide clear, definitive proof that the damage occurred during my rental period. As the evidence provided does not meet this standard, I request that you dismiss this claim immediately. 

If you proceed with the claim despite the inadequate evidence, I will have no choice but to escalate the matter by filing complaints with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office. 

I look forward to your prompt response confirming the dismissal of this claim.
Product: Credit reporting or other personal consumer reports

I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 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

I recently has a loan go into default within the last 24 hours. I contacted the company and ask about my right to redeem the auto. I am aware that to reinstate my vehicle I am required to pay all late payments and fees due to bring the loan current. The representative told me that the entire balance on the loan of XXXX has to be paid in full which is inaccurate. This is a clear violation of my rights to reinstate my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX