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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX XXXX  was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXX, leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting

There are over XXXX inquiries on my XXXX and Experian credit report that do n't belong to me, I have tried to reach out to them but no one is willing to help me with this matter.
Product: Consumer Loan

I have my car loan with Ford Credit. My account number XXXX. On XXXX/XXXX/XXXX, I went on line to make my XX/XX/XXXX payment but the on line payment screen indicated my account was current and my next payment due date was XXXX/XXXX/XXXX. I have attached a copy of the screen shot for your reference. As a result, I did not remit my XX/XX/XXXX payment. Again, the on line screen showed that my account was current and a payment was not due. I thought that either Ford was offering some type of skip a payment since my due date was showing as XXXX/XXXX/XXXX or that since I had been making payments every two weeks ( 1/2 total payment paid every two weeks ) that my loan was truly paid current. Just recently, I received a letter from Ford advising that my account was past due. I contacted Ford today, XXXX/XXXX/XXXX, to ask how my account was now showing past due if on XXXX/XXXX/XXXX my account was showing current. Please note my payment is due on the XXXX of each month. The customer service representative told me she did not know why the on line screen would have showed that my payment was current and that I owed the XX/XX/XXXX payment immediately. I asked to speak to her supervisor who told me the same thing. The supervisor also told me that I was the only one who had called to report this type of issue. He implied that what I was telling them was not true ; however, please refer to the screen shot I have attached. I asked if they would allow me some extra time to remit the XX/XX/XXXX payment as the XX/XX/XXXX payment was due next week. I was told I must make the payment immediately XXXX no later than XXXX/XXXX/XXXX ) or they would report the payment past due to the credit bureau. Ford Credit completely disregarded my concern and made no exceptions for me even though they clearly made an error. It is clear that Ford Credit 's on line payment system was incorrect. I do not agree, nor do I think it is fair, for Ford Credit not to work with me to allow me extra time to make my XX/XX/XXXX payment ( without reporting my XX/XX/XXXX payment as late ). Their customer service is inadequate and they failed to " resolve '' my issue. I reported an error to them over the phone today, and I am now reporting a notice of error that I expect to be resolved. Just stating that no one else has reported this issue and demanding I make the payment immediately does not constitute resolution. Ford Credit can not display incorrect information on their on line system and expect their customers not to voice a concern or ask for an exception due to their error. This seems to be an unfair and deceptive practice.
Product: Checking or savings account

Bank of America closed my checking and savings accounts without warning for " fraud '' on XX/XX/XXXX. It was because I deposited three legitimate checks on XX/XX/XXXX which were issued by the U.S. Treasury with its seal specifically for the XXXX XXXX, my employer, and you didn't like them. 
They refuse to admit their mistake. I have sent their Risk Department proof that these are valid checks : images of the previous checks they accepted in XXXX, XXXX and XXXX, images and check numbers of the attempted deposit, copies of my pay stubs, even a letter from the XXXX XXXX Disbursing Office saying these three checks are valid. I can send check images if they are necessary. Attached are the pay stubs and letter from Disbursing. 

I have visited a branch 10 times, called Risk and various departments 20 times, and waited OVER A MONTH to get my money back. No response except " you'll have to wait until our investigation is complete. '' The three checks they are withholding for fraud total {$1200.00}, or {$420.00} each. 
In the meantime, I can't bank anywhere. Not with BofA because my account is closed. Not with another bank or credit union because my history now shows " fraud. '' I'm living on my cash reserves. Meanwhile, my credit card accrues interest, I can't deposit my paychecks because I can't open any other checking account, and I can't even deposit the other funds I had in my BofA account because again, no one wants to have a customer with a mark of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received notice from Sequium assets solutions, LLC that I owed money from a XXXX acct. that I closed. I explained I didn't owe this and received no response. this is affecting my credit negatively.
Product: Checking or savings account

I had a Wells Fargo account from XXXX and trying to see if I have any refund money
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my account reports and noticed that i had one payment on an account that i was never late on. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in screenshot inside this complaint. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks
Product: Credit reporting

I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
Product: Credit reporting or other personal consumer reports

Please delete the following accounts and inquries. I'm so tried to fixed this now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been sent a credit card debt collection notice for XXXX dollors. 

I have not been in the country from XXXX.I do not know what the transaction is and i do not have a valid credit card, The card details are ending XXXX. Let me konow the details and cancel my debit collection notice
Product: Debt collection

They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact me.
Product: Checking or savings account

XXXX XXXX XXXX Account number ending in : XXXX Wells Fargo case number # and complaints # : XXXX. XXXX claim # on XX/XX/2023 XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Police report # XXXX Police Department # XXXX is attached. 

To whom this may concern at the CFPB, I filed a claim on XX/XX/2023 that was over 1 year and 4 months. 
I had my Wells Fargo ATM card on my XXXX and XXXX XXXX  account. I never used these accounts. I only used my XXXX XXXX time to pay for listing photos for my business. I came back from vacation XX/XX/2023 went to pay bills and I noticed I had money missing. I went through my Wells Fargo transactions and I noticed my XXXX and XXXX was hacked. I immediately filed a claim with XXXX, XXXX, Wells Fargo . 

Because there are XXXX charges on my XXXX XXXX totaling {$19000.00}, XXXX XXXX  account was hacked. XXXX is the one that told me to call my bank and file a fraud claim and XXXX deemed it fraud. I have spoken to over a 100 people with in XXXX XXXX andWellsFargoand no one will help me get my money back. I have filed numerous complaints and have spoken to so many people. 

WellsFargodeemed one of the charges FRAUD on XXXX XXXX letter is attached. 

All of my bills, credit cards plus interest and late fees and now Wells Fargo is suing me for {$10000.00} on my Well Fargo Credit card Case Number # XXXX, plus it goes on my credit report negativity, my car payments and late fees, my daughters school, and the IRS now has a lien on this account because I was supposed to pay them with the money that was taken out of my account. 

I have lost business over this and clients over this matter because I have not been able to pay things because of this money was taken out of my account and I am having to chase down Wells Fargo, XXXX and XXXX to get my money back. 

This has Destroyed my credit I am so emotional distort over this and my stress is so high it is causing me health issues. 

I am request your help to get my money back and damages. 

I notified the FDIC which told me to contact the OCC @ XXXX, OCC took my complaint and then told me to also contact the CFPB @ XXXX in which I filed a complaint. 

I have attached all documents and emails how I have tried to take care of this. 

I need someones help please. 

Thank you XXXX XXXX XXXX email : XXXX Phone : XXXX
Product: Debt collection

There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.
Product: Debt collection

I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX XXXX XXXX
Product: Debt collection

I received notice of a lawsuit filed against me by Persolve legal XXXX, authorized representative for XXXX XXXX XXXX. 
I requested documents to support the ( junk debt ) lawsuit filed against me, to date XXXX XXXX XXXX  and their legal representative have failed/refused to provide any of the requested documents ( Eg.. Application signed by me, the actual write-off amount by the original creditor, how much XXXX XXXX actually paid for the junk debt in dispute ) denying me my legal right to Due Process. 

Persolve legal XXXX  counsel XXXX XXXX XXXX ( CA state bar XXXX ) has used veiled threats, and intimidation tactics in an attempt to force us to accept their {$1000.00} take it or leave it offer without providing any substantial evidence to support Persolve legal XXXX  aggressive attempts to collect money XXXX XXXX XXXX may not be legally entitled to. 

I am asking for your help to help resolve this matter. I ask that XXXX XXXX XXXX and their legal representative Persolve legal XXXX  provide a copy of the original credit application signed by me, a  complete itemized ledger showing payment history, interest and fee charged, an unredacted copy of the leagl assignment XXXX XXXX XXXX recieved from the original creditor and copy of legal unredacted documenation showing what the original write-off amount of the junk debt in dispute was, and how much XXXX XXXX XXXX actually paid for the debt in dispute.
Product: Money transfer, virtual currency, or money service

My friend came to me and said if I give them XXXX $ I would get XXXX in return cash app kept declining the transition but in the end, it went through by me sending XXXX $ split to multiple cash app accounts. After the money went through he blocked me everywhere, I contacted cash app and basically, they told me how not to get scammed. The only thing cash app did was request a refund I also contacted my bank ( XXXX ) and they told me to take it up through cash app. I had everything they needed the cash tag, his name, his phone number, and what he looks like, and they still did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues updating my address on my credit report.
Product: Checking or savings account

I am writing to lodge a formal complaint against Chase Bank regarding an ongoing issue with my account that began in XXXX of last year. At that time, Chase erroneously identified my account as fraudulent, resulting in the suspension of my account and the withdrawal of all my funds. 
Over the past XXXX months, I have visited Chase branch offices at least XXXX times and made multiple phone calls in an attempt to resolve this issue. This month, I was finally informed that my account had passed the verification process ; however, I was also told that it is still not possible for Chase to issue a check to me. The reason for this delay was not provided, and both the customer service representatives at the branch and those accessible via phone have consistently deflected responsibility and directed me to make further inquiries myself. 
Each time I have followed up as directed, the only resolution offered was to wait longer while they processed another request. It appears that there is a continuous deflection of responsibility among the staff. I am left wondering whether the employees are genuinely working to resolve customer issues or merely evading responsibility and intentionally withholding my funds. 
Why has it taken over XXXX months to issue a check even after my account was cleared? This situation is not only frustrating but also concerning as it pertains to the handling of my finances. 
I kindly request a thorough investigation into this matter and a prompt resolution. I would appreciate a detailed explanation and the swift return of my funds. 
Thank you for your attention to this urgent matter.
Product: Debt collection

I contact XXXX XXXX XXXX about my 2 accounts with them ( XXXX XXXX and XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from Barclay Delaware that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That Barclay Delaware account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.
Product: Mortgage

Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
Product: Credit reporting

I have disputed the same issue, of public record with Equifax XXXX. They have still not deleted the public record from my credit report that is reporting incorrect information. The first time I disputed the information they responded in the allotted time and updated the status, but the information was still incorrect. I then disputed the information again on XXXX/XXXX/2015 they resolved it within the same day and basically said that it was verified, which is literally impossible. I then called and was told, basically that there is nothing that they could do. I informed them of my rights through the FCRA and that I would take action if this information was not deleted from my report, and still they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some is attempting to open accounts in my name.
Product: Mortgage

ServiSolutions is my servicer. They paid taxes of {$3300.00} on XXXX/XXXX/XXXX for parcel # XXXX. My tax bill for XX/XX/XXXX was {$590.00} and my property parcel # is XXXX. This error created a negative balance in my escrow account. I received my statement and contacted them in XXXX XXXX to correct the error. It was not corrected until XXXX XXXX, XXXX when they paid {$650.00} on the proper tax parcel. This payment came out of my escrow account and included a {$45.00} penalty for late payment and {$23.00} interest charge on late payment. 
They did an escrow analysis at the beginning of this year and determined I owed a lot of money for the negative escrow balance which was inappropriately withdrawn. The escrow payment has gone up to {$490.00} a month from {$110.00} a month in order to fund the inappropriate disbursements. 
I have contacted them multiple times to fix the escrow account and my payment. They are telling me they will not credit my escrow for the amounts they fraudulently disbursed but are waiting for the county to refund them the first tax payment. Until then, they will not adjust my payment to the appropriate amount and will not accept any payment other than one that includes funds to cover the negative escrow.