23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XX/XX/XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XX/XX/XXXX investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XX/XX/XXXX,  Confirmation of increased credit score when XXXX removed the 30 day late payment. Letter to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX  Inquiry from XX/XX/XXXX + Sales Financing XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting or other personal consumer reports

XXXX accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX  : XXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXXXXXX XXXX which is not my name please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these account do not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX inuuiery date XX/XX/XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX inquirer 's date, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX date, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX inquiry XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX date XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX for the satisfaction of a mortgage at XXXX and a satisfaction of a Heloc loan and for an unspecified transaction, XXXX checks were shown by XXXX from XXXX XXXX ( Bank of America ) to have satisfied XXXX transactions. The Heloc loan,XXXX, was taken out by XXXX XXXX and XXXX XXXX and could only have been satisfied from an account attached to their names.Bank of America account number XXXX XXXX XXXX was not found to be attached to either of their social security numbers. United States Trust, BOA, refused to speak with me in their NY address to locate the account. All three checks were issued on the account number. I do not know how the checks were funded. No brokerage account has been identified for the funding.Merrill Lynch has not found an account and has referred me back to BOA. I include the XXXX information about the Heloc being satisfied. If these checks are genuine, I will need the full account information about what account and whose account provided the funding. XXXX XXXX did identify a XXXX XXXX XXXX in their profile. For the year indicated, I was the designated trustee of the XXXX XXXX XXXXI provided the Ein number but there was not an account attached to it.
Product: Debt collection

On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to resolve this issue but Equifax refuses to remove the following fraudulent inquiries from my credit report : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting

My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.
Product: Money transfer, virtual currency, or money service

Iam writing to express my concerns regarding Zelles handling of my disputes. Despite using Zelle many 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect my account but also allowed offenders to exploit the system repeatedly and vulnerable to scams in which Im not the only one that became a victim to it. This lack the accountability and is unacceptable and raise serious concerns for my safety
Product: Debt collection

This is second formal complaint in attempts to correct this issue on my credit report. This collection found within my credit report are not related to any transaction that I made. I requested your company to validate this debt, in which I have the right to do so under the FDCPA. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 

Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.
Product: Debt collection

There is a collection on our credit reports that is not ours. PCS ( Pacific Credit Services is  not my account. Account # XXXX {$1700.00}. I have tried to get copy of any signed agreement proving the debt and have not received a response. I have also tried disputing with the credit bureaus.
Product: Money transfer, virtual currency, or money service

Follow up to Complaint Number XXXX. Remitly will still not allow me to access account in order to review and obtain copies of my transaction history. I had requested the ability to do this in the above mentioned complaint. 

" 3 ). The ability to log into account so I have access to transfer history and the receipts from those transfers. '' Remitly failed to address this request in their response to my original complaint.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed again my credit report and I can still see the unverified and erroneous items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

since XX/XX/year> until today XX/XX/year> I have repeatedly asked ever month for proof of Debt validation letter, my orignal wet ink signature on my ORIGINAL PROMISSORY NOTE from XXXX XXXX, contract between you and I obligated me to pay them when they purchased my mortgage from XXXX XXXX  while in good standing & not late, Proof of check or transaction showing Rocket Mortgage gave me a loan from Rocket mortgage
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card

Dear [ I hope this message finds you well. I am writing to you as a client of XXXX XXXX to express my concern regarding an outstanding matter that to date has not been resolved. 

The reason for my communication is regarding a purchase made through my bank account. My wife and I acquired a membership for a value of {$28000.00} dollars, however it was paid with two transactions, one with my card with the amount of {$13000.00} and another with my XXXX XXXX card with the amount of {$11000.00}, we have faced difficulties in the process As a result of this nonsense, by not receiving the services we acquired and trying to cancel it with the XXXX XXXX and not receiving a response, we went to the bank and after our multiple attempts to resolve the problem to date we have not obtained a satisfactory solution. 

We have provided all the information required by the bank regarding the purchase, as well as any additional documentation that has been requested of us. Despite this, the refund of the transaction has not been processed As the issue persists without resolution, we turn to you for assistance and support. We trust in your institution 's ability and professionalism to address this situation in a timely and efficient manner. We request your immediate intervention so that we can obtain a full refund of the {$13000.00} corresponding to this transaction. 

We thank you in advance for your attention to this matter and look forward to a prompt response from your team. We remain available to provide any additional information necessary to resolve this issue. 

We look forward to your prompt action and appreciate your collaboration in the prompt resolution of this inconvenience. 

Sincerely,
Product: Debt collection

I called the original creditor and was told they don't have a record of the debt. I contacted XXXX and XXXX and ask them to remove it based on the information I was told that there was no record of this debt.
Product: Debt collection

In XXXX of this year, I received a notification on my credit report indicating that a collections account had been opened with " RentDebt Automated Collections. '' The account first appeared on my credit report in XXXX. However, I have never received any correspondence from RentDebt Automated Collections regarding this debt.

There have been no letters, emails, or phone calls from them to notify me of the debt, as required by law. I only became aware of its existence when my credit score dropped significantly due to this account being reported.

Additionally, the status of the account shows as " closed, '' yet it reopens every month and then closes again with an " updated balance '' that does not change. This ongoing cycle has caused further damage to my credit score and created unnecessary stress and confusion.
Product: Debt collection

On XX/XX/year> at XXXX XXXX mountain time, I received a phone call from XXXX XXXX. They left a voicemail that said the following " Hello my name is XXXX with the FBI, please call me back at XXXX. '' I have a copy of this voicemail which is being uploaded to this complaint, and that can be provided upon request If you call either of these numbers, it links to Sentry Credit , Inc .
Product: Mortgage

I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.
Product: Money transfer, virtual currency, or money service

I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through Zelle through XXXX XXXX  and this payment was sent to XXXX XXXX at XXXX XXXX. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.
Product: Credit card or prepaid card

On XX/XX/2022 I filed claim # XXXX for the amount of {$4500.00} since then my claim has been denied about 12 times. Bank of America is a joke has not conducted a proper investigation into this claim I filed a complaint through CFPB ON XX/XX/2022 STILL WAITING FOR A RESPONSE??? It's been 60 days if not close to it. Each time I've called bank of America costumer service I get the same XXXX story they are working on it. They have wasted so much of my time they have stressed me out beyond belief. I can also credit them for me ending up homeless. This money I was depending on and was stolen created A domino effect in my life with my finances I ended up in the streets living in my car with my dog. XXXX XXXX  XXXX is nothing but a piece of XXXX institution that does not know how to properly treat their clients with dignity and respect instead they hire a bunch of rude XXXX  people to answer phones and tell people they can't do nothing for you because they are not the ones doing the investigation. Which mKes me wonder is there anybody in charge???? I want my money back I will sue BofA aka XXXX XXXX  for everything I possibly can. It's been 11onths and they are still giving me the same run around. I'm tired of them ignoring me and playing me for a joke. This matter is not resolved within the next 48 hours me and bank of america will have a big problem.
Product: Debt collection

To Whom It May Concern, I am writing to address your recent communication concerning the debt referenced above. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt in question. 

I contest the legitimacy of this debt and ask that you supply me with the following information : The original creditors name and address. 
The original account number and the amount due. 
Evidence of your authorization to collect this debt. 
The dates and sums of any payments made towards this debt. 
The date of the last payment made on this debt. 
Any relevant interest or fees added to the debt. 
Additionally, I request that you furnish me with copies of any documents or contracts that substantiate your claim that I am liable for this debt. Please provide all requested information within 30 days of receiving this letter. 

If you are unable to furnish this information or verify the debts legitimacy, I ask that you cease all collection efforts and remove this debt from my credit report. 

Be advised that any further attempts to collect without providing the requested information will be deemed a violation of the FDCPA and may result in legal action against your agency. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of the following accounts : Account number XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.