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 : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I 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 : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.
Product: Credit card or prepaid card

I bank with chase bank and have both a personal and business checking account with them. I have applied several times for both business and personal credit cards as well as a start up loan for my XXXX however I keep getting denied for a different reason every time. My business account is actually costing me money to have and I feel taken advantage of by allowing me to open the account but never allow me access to credit like every one else gets. No matter what I do i never get an approval. I was told if I could get my credit score up I would be able to be approved but this was false
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I sent a request to Experian and XXXX for the 4th time in 1year to have the information regarding the XXXX XXXX XXXX account removed from my report. I informed Experian and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at XXXX along with verification of a contract with my social and signature, and how the obtained the information from XXXX. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. Experian and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at XXXX submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. XXXX was part of state-wide lawsuit here in Connecticut.
Product: Credit reporting

My address history is incorrect. My home address is listed as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. and XXXX XXXX XXXX is the same exact house. About 20 years ago when XXXX was set up in my county, XXXX County XXXX, the US Postal Service changed the house numbers, changing XXXX to XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX XXXX XXXX. My mother-in-law, XXXX XXXX ( deceased ), lived at XXXX XXXX XXXX, XXXX XXXX XXXX for about 20 years until sometime XX/XX/XXXX - XX/XX/XXXX.
Product: Mortgage

I am currently in the process of a refinance on my 1st mortgage and Shellpoint Mortgage is my 2nd lien holder. They have been notified by my lender as of XX/XX/XXXX to send subordination instructions. Again on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. We have the correct contact person at Shellpoint Mrs. XXXX at XXXX XXXX, we have the correct email address XXXX but no one will call my lender for the simple subordination instructions. 

They have told us it will take 30 days after they receive the package from my lender but we can not send a package without instructions. 

I have spent too much time ( hours ) on hold over the last few weeks trying to assist my lender ( they have too ) and it's to the point I have to file a formal complaint.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Mortgage

Duplex  XX/XX/XXXX   {$10000.00} purchase price   XX/XX/XXXX  per manent financing -payoff of {$48000.00} rehab loan {$6300.00} paid {$47000.00} loan amount - {$360.00} payments - {$370.00} annual taxes - {$590.00} annual insurance {$69000.00} payments  XX/XX/XXXX  streamline refinance {$43000.00} balance - {$290.00} payments for 84 months.   - {$270.00} remaining {$15000.00} payments  XX/XX/XXXX  refinance - XXXX  payoff - {$9300.00} plus {$3900.00}  'cash out '  to commerce - {$590.00} to   XXXX   XXXX   {$54000.00} payments {$1000.00} in escrow account {$1000.00} unapplied funds {$18.00} fee returned {$15.00} late fee {$410.00} payment returned XX/XX/XXXX  {$540.00} {$560.00} {$530.00} checks returned in  XXXX  No payment in XX/XX/XXXX   XXXX  foreclosure notice  ( news clip ping from a lawyer ).  <P/> Dozens of calls and faxes to cancel  XXXX  foreclosure. Modification offer increased {$360.00} payment to nearly $  XXXX .  <P/> Did not sign. Request for terms reducing the payment. No response as of  XXXX  mailed {$2300.00} payments - All returned. ( {$500.00} application fee sent   XXXX   XXXX   never collected ) foreclosed 2 days after denial ( ( by   XXXX   XXXX   ? ).   XXXX  was n't late yet. Reinstatement quite -less than  24 hours prior to sale- showed ONE late fee.
Product: Credit reporting or other personal consumer reports

Okay our account was hacked and we tried yo access the account was in a data freeze on our credit score and hacked our account at ransom compromised our phone accounts and email and pawned our website domain we used to acces our account information and compromised our license using our documents on the website. An illegal screening process caused us to download an inaccessible credit report from hacked account XXXX XXXX XXXX. Our account was hacked from Move it transfer data files using my email XXXX. Some hackers gained access and destroyed the files with my Oregon license account.
Product: Debt collection

I sent out to XXXX. XXXX, and XXXX an identity theft affidavit along with an identity theft FTC report, my personal information, by certified mail on XX/XX/2023 to resolve this matter, and again on XX/XX/2023. I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. This is causing a defamation of character and its injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things regarding pricing or other information Wont put it in writing- No one will give you clear information in writing, even when you ask for i
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received correspondence from XXXX XXXX XXXX where it states that XXXX XXXX is the Original Creditor for this debt. I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX XXXX XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX XXXX XXXX account has not been validated. XXXX XXXX XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt. In a previous CFPB compalint Experian stated that they " [ need ] authorization from [ me ] to proceed with [ my ] complaint. '' This is MY authorization for the Consumer Finance Protection Bureau to proceed with my complaint. I have attached my drivers license and utility bill as proof of identity and proof of address, something ONLY I can have. So there should not a be a response to this complaint from Experian saying that they still need my authorization, this is it.
Product: Credit reporting or other personal consumer reports

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

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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: Credit reporting or other personal consumer reports

Please remove these inquiries that have been placed on my report without my consent. According to the FCRA 15 USC 1681 ( b ) these banks do not have a right to request my consumer report XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Highest Balance : XXXX Account Number : XXXX Date : XX/XX/2023 I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit. 

You are reporting this collection account XXXX XXXX as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and been removed. 


I am writing to dispute the following incorrect information on my report, XXXX XXXX XXXX disputed by XXXX XXXX. This item is currently showing inaccurately on my credit report filed with your credit bureau. Pursuant to 5 USC 552a ( i ) ( 3 ), I am requesting that this disputed item be removed immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. 

Please contact me at the address below to let me know that you have corrected my credit report by removing the disputed item within the next 30 calendar days as stipulated by the Fair Credit Reporting Act. 

Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. 

I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) Due to inadequate customer Service and unfair practices, which violate the consumer financial protection ( cfpa ) Specifically, cash app failed to take Timely and effective measures to prevent and address fraud On their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute Resolution process was unfair, and Deceptive, as they did not Comply with error resolution requirements Under the electronic fund transfer act ( efta ) And regulation E. These actions have caused significant inconvenience in financial loss, And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address a critical and unresolved credit issue that has severely impacted my financial standing and professional livelihood. Despite my diligent efforts, I have been unable to resolve this matter, and immediate action must be taken.

For over 10 years, I have consistently made on-time mortgage payments through my banks bill pay system. However, due to multiple changes in mortgage servicers and banking systems, my payments have not been properly credited, resulting in erroneous late payment entries on my credit report. Below is a detailed summary of the situation : 1. Consistent On-Time Payments : I have maintained a flawless payment history, ensuring all payments were made promptly through online bill pay without any prior delinquencies. 
2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between several servicers, leading to delays as payments were forwarded from one servicer to another.

3. Bank System Updates : My bank, XXXX XXXX, recently updated its bill pay system, which may have further complicated the payment process and contributed to the inaccuracies.

4. Documentation Submitted : I have provided extensive documentation, including proof of payment and detailed correspondence with XXXX XXXX and Loan Depot LLC. Despite these efforts, the issue remains unresolved. 
5. Credit Damage : As a result of these discrepancies, my credit score has plummeted from the XXXX to the low XXXX, severely affecting my ability to conduct business and secure financing. As a lXXXX XXXX XXXX XXXX XXXX XXXX XXXX in North Carolina, my professional reputation and livelihood are inextricably linked to my creditworthiness. The impact of this inaccurate reporting has caused significant financial strain. 
I have already contacted the Federal Trade Commission, XXXX, XXXX, and XXXX, yet no resolution has been achieved. Additionally, my communications with multiple representatives from XXXXXXXX XXXX and Loan Depot have failed to yield corrective action. Given the persistent nature of this issue, I am respectfully requesting the following : An immediate and thorough investigation into this matter. 
The prompt correction of any inaccuracies on my credit report. 
Assurance that my payment history accurately reflects my consistent, on-time payments.

Should you require any additional documentation or information to resolve this issue, I am more than willing to provide whatever is necessary.

This ongoing issue is deeply affecting my financial stability and professional obligations. I trust that you will treat this matter with the urgency it deserves and work toward a swift and fair resolution.

Thank you for your time and attention to this critical issue. I look forward to your prompt response. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX : Formal Cease and Desist Letter To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt referenced in your correspondence. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Your continued attempts to contact me regarding this matter, if not in compliance with the FDCPA, could be considered harassment under the law. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court reinforced the applicability of the FDCPA to debt collectors, and violations of these provisions will not be tolerated. 

Additionally, in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX emphasized that debt collectors are responsible for compliance with the FDCPA, and ignorance of the law is not a valid defense. 

I no longer wish to be contacted regarding this matter by phone, mail, email, or any other form of communication. All future correspondence must be limited to written notices as permitted by law and only to inform me of any specific legal actions you intend to take concerning this alleged debt. 

Additional Requests 1. Verification of the Alleged Debt : Provide detailed documentation to validate the existence of this debt, including the original creditor 's name, the date of the debt, and the exact amount claimed. 

2. Confirmation of Compliance : Acknowledge in writing that you have recorded and will honor this cease-and-desist request in accordance with FDCPA regulations. 

Notice of Rights This letter does not serve as an acknowledgment or admission of the validity of the debt in question. Any attempt to pursue collection activities after receipt of this notice, except as explicitly permitted under the FDCPA, may be considered willful noncompliance. Such actions will compel me to take further steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office, and pursuing appropriate legal remedies. 

I expect your written confirmation of this cease-and-desist request within 10 business days of your receipt of this letter. Please direct all necessary correspondence to my address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Remitly services to send {$1200.00} to benefiecry in XXXX. Remitly notified me that money was sent on XX/XX/2023, and the transaction was successfully completed on XX/XX/2023. The transaction reference number : XXXX provided by Remitly. However, It's been two months since the transaction done by Remitly, but my beneficiary ( XXXX XXXX XXXX XXXX ) did not receive funds till now. My beneficiary ( XXXX XXXX XXXX ) is a reputed XXXX travel agency headquartered in XXXX, XXXX, providing travel services. I contacted Remitly multiple times to solve this issue, but Remitly never helped me and always gave false information. One Remitly agent informed on their chat section that funds won't be delivered to the beneficiary as the beneficiary is a business account. Another Remitly agent told me that the beneficiary would receive the funds ; it doesn't matter if it's a business account. Third time, Remitly agent said funds are successfully sent to the beneficiary, but the beneficiary never received the funds. Fourth time, Remitly agent told that they will investigate the issue, but I never got reply or solution from them. It is my hard-earned money which is lost because of Remitly incapability and misinformation. After not getting help from Remitly, I disputed this transaction as the beneficiary did not receive the funds. Remitly kept saying funds were transferred, although it was never received. I recently discovered Remitly suspended my account as I disputed the funds with XXXX XXXXXXXX XXXX. Remitly did not take any responsibility for this situation and did not help me at all. 
In conclusion, Remitly has given mental harassment and incorrect information about fund transfers. The reference number of the fund transaction given by Remitly is not traceable, and my beneficiary and beneficiary bank are also confirmed that funds are not received.
Product: Checking or savings account

Both of my BOA accounts were closed recently, close out checks received today XX/XX/13, for remaining funds in accounts. Previously, I spoke with XXXX XXXX in Executive Office, she confirmed accounts were closed due to to unverified information on application, which she would investigate and confirm exactly what is unverified. Further, she said she would look into pending debits in amounts of {$20.00} and {$10.00}, funds transfers from my XXXX account to BOA accounts. According to her, these transactions should reverse back as accounts are closed, it appears they have not. I have attached screen shot showing cleared as of today, XX/XX/13, no reversal as of yet.. I left a message for XXXX today as well, no call back as of yet..