23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to express my profound dissatisfaction and concern regarding the holding of my funds in my Square account. As of XXXX XX/XX/year> I received a mail from square that my account has been deactivated and my funds totaling {$82000.00} will be held for a period of 90 days, right now its over 18 months and my funds is still yet to be released which has caused significant financial strain and hindrance to my business operations. 

Despite my persistent efforts to resolve this issue through your customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX 

I urgently request the immediate release of the entirety of my funds without further delay. The impact of this hold on my business can not be overstated, and it is imperative that this matter is addressed with the utmost urgency. Failure to resolve this issue promptly will leave me with no choice but to explore alternative options for recourse. 

I trust that you understand the gravity of this situation and will take swift and decisive action to rectify it.
Product: Debt collection

I man called me on XX/XX/19 at XXXX from Account Discovery and said I had an account with them and if I did not make payment he's company would garnish my wages and they would sue me. The amount that I supposedly owe is {$1000.00}.
Product: Credit reporting or other personal consumer reports

New Rez informed me by mail that I did not have proof of insurance. I did have a landlord policy in place by XXXX, but there was a mortgage transfer between Ditech and New Rez and XXXX of them dropped the ball and did not check for proof of insurance. I had XXXX ( allied ) insurance send over a declaration page so I did not get hit with a lender placed policy. 
After the work I put in to make sure that they got the proof of insurance, my mortgage was hit with a lender placed policy anyhow and the next year my mortgage was reassessed and my bill doubled what I had been paying. I talked to New Rez about paying what I could while the situation was under investigation as to not go as unpaid, they assured me it would be okay and that it would still place late fees but to just pay the normal amount until it was figured out, and during that time I found evidence that I had coverage the whole time while they had put a lender placed policy on my account. They were at fault and the situation was corrected, they refunded me money for their mistake and I concluded that all was well. Come to find out they gave me negative marks on my credit score for 2 months of no payment. I did pay into those 2 months but I told them i couldn't pay the new amounts that they had reassessed, I would be paying the original amount until they figured out what was going on. 
After sending a dispute to them through their website, they concluded that it was within their right to give me negative marks on my credit. 
This has severely impacted my credit and my borrowing privileges. It has been nothing but a headache and honestly has made things really hard in regaurds to barrowing etc. I am hopeful something can be done. Thank you.
Product: Credit card or prepaid card

I ordered from Swiss Colony : Chicken, duck, pheasant ; advertised pricing {$92.00} plus shipping and handling. 

I only received a very small chicken in this order. 

Swiss Colony Representative stated I could not return item for refund Swiss Colony Rep apologized, but mislead me into believing, the order was accurate. 

I later revisited the site and the same chicken, duck, pheasant was advertised for {$92.00}. 

The price has now changed as of XX/XX/2020. 

I also have an Swiss Colony account with recent payment of {$25.00} and {$50.00}, the Swiss Colony statement does not reflect correct available credit to this account for payments rendered. 

I have XXXX ( XXXX ) available credit on my {$300.00} Swiss Colony credit card, which is an error and degrading. 

I was issued a XXXX XXXX credit account. 

After one ( 1 ) XXXX XXXX  purchase and payment, Swiss Colony, without my knowledge, transferred my payment and balance to my Swiss Colony Account causing a high balance/interest. 

Swiss Colony is requiring one hundred percent of purchase price for orders place, when Swiss Colony approved my credit. 

Swiss Colony/XXXX  XXXX is requiring deposit, " full payment of order '' to establish already established credit with Swiss Colony/XXXX XXXX
Product: Mortgage

I have been trying to obtain a loan modification from Wells Fargo ( XXXX ) who is servicing my account for XXXX, ( very confusing ) .I am in bankruptcy, I am underwater, and my loan was not FHA XXXX I believe with all of the misconduct and all of the settlements recently, that my loan should be refinanced, that there must be help outthere for those of us hanging on by a thread.I am too far in arrears to catch up all at once. I have a primary loan at XXXX % and my secondary at XXXX % which was crazy. And my payments to the XXXX are over XXXX a month.I should have been contacted the past few years by Wells Fargo withsome sort of Help, rather than attempting forclosure, and now the secondary loan has attempted forclosure resulting in my now XXXX bk. Can I still get help or a modification from them!
Product: Debt collection

I recieved a post-dated letter ( XX/XX/22 ) in the mail about an auto debt that i have no knowledge of. This is the first notice I've recieved from Convergent outsourcing Inc . But there is no section that informs me of my right to dispute or request the furnishment of documents to validate their claim. 

The inability to view my rights to validate is a violation of 15 u.s.c. 1692g The post dated parcel of mail is a violation of 15 u.s.c.1692f
Product: Credit card or prepaid card

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report from Lightstream on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C. XXXX ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Debt collection

I have previously wrote Receivables Mgmt. Stating my health insurance will pay and the company must file my health insurance. I disputed the claim about the amount owed numerous times to Receivables. I asked them not to reach out to the credit bureaus because I disputed in the recommended time frame. I asked them to send me documents such as a signed contract stating I owe XXXX. They never sent it to me. However Receivables sent a collection to the credit bureaus and I will like for them to remove the negative information ASAP ... 

The company in question is Receivables Management Located in XXXX SC XXXX is the account number
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/scrub>XX/XX/XXXXTo support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, SD, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXXXXXX XXXXl XXXX XXXX XXXX 1-20 late payment wrongly reported XXXX XXXX XXXX XXXXXXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXXXXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX XXXX remove whole account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( TRANSUNION ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

JP Morgan Chase Bank double charged my XXXX transfer made in XX/XX/23, resulting in {$1900.00} taken from my account without authorization. My account has been overdrawn by almost {$900.00} dollars for more than XXXX hours now. Chase Bank has not returned my funds, and can not or will not give me a time frame for when they will be returned. I can not get groceries, pay other bills, or do any sort of financial transaction at this time.
Product: Checking or savings account

I am very sick i have XXXX XXXX i opended a bank account with wells fargo and its been a total nightmare i had all my goverment money deposit to my bank account then i tried to withdrawl some my card declined i called and spoke to a representative she didnt know what she was doing i was on the phone with them for more than 2 hours and according to them it was a system error so they said use your card it should be working there was a blocked but we removed it so i tried using it again declined so at this point im upset im on hold again and after 30 minutes they answer and said the department i have to speak with its close till the next day so i wait the next day i go to the branch they called the bank i was there for a pretty long hour and a half finally the banker said ok problem solved i go home tried to pay my phone bill my card declines again why? I dont know i have XXXX in my account so then i got on the phone with them again they transfer me like 4 times to end up telling me the department i have to reach its closed again, at this point im so XXXX i need my medication i have no cash and i have bills to pay that wont wait so ive been like this for a week already today i called again and they said nothing its wrong with my account so i said so why cant i use my debit card so they said u know what i see a block in your accout you have to step into the branch are they kidding me again? So i asked to speak to a manager they said that department thats handling my account are closed today so i said no transfer me to a supervisor now the supervisor got the phone and hunged up on me and im so upset this is not the way to treat a human being its my money i need my medication its not fair.
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 168XXXX. 

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

This debt has been paid in full through XXXX and needs to be removed from my credit report
Product: Mortgage

I own a property that pays for flood and other hazard insurance through an HOA. Every year, my HOA sends evidence of flood insurance to US Bank, my lender, so that lender placed flood insurance will not be placed on my account. This year, that evidence was submitted in XXXX, when the insurance is due, and yet US Bank still purchased flood insurance and placed it on my account. Despite numerous phone calls every week since XXXX, this flood insurance has still not been refunded to my account and has caused my house payment to go up {$500.00} a month. I have already paid over {$7000.00} to my HOA for flood insurance. Each time I speak with someone at US Bank, they tell me it will be 30 days in research before the insurance can be canceled and my escrow account credited. It has now been four months. If I could sue this company for negligence, I would.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. 


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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX. 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I vehemently disagree with the Returned Check Fee and Returned Check Amount of {$63.00} that was assessed to my Lexus Pursuit Visa Account Ending in XXXX. 

I contacted XXXX about this matter and I was told that there is no record of any transaction in the amount of {$63.00} processed on XX/XX/ for checking account XXXXXXXX XXXX XXXX 

I am demanding all documentation and accounting from Comenity Bank Reference this disputed transaction. 

I have attached screenshots of my checking account statement.
Product: Bank account or service

On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges
Product: Mortgage

ShellPoint Mortgage has known that we have equity over $ 200k on our house since we defaulted on the loan. We tried to come to agreement with them on several occasions but they wanted us to come up with the full amount upfront. Because of that we ended up putting our house on the market and the same time they placed a notice of trustee sale. After getting an offer accepted Shellpoint refused to postpone the Trustee Sale unless we paid in full. We had to submit a complaint through the CFPB in order for them to postpone the trustee sale at the very last minute. After a month of escrow and as our closing date approached, the escrow company contacted Shellpoint mortgage to request the payoff amount. After multiple failed attempts I had to get involved and Shellpoint mortage informed days prior to closing that they couldn't give the escrow company the pay off amount unless they were authorized to do so. This has been super frustrating as they have known for weeks that we were due to close on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Shellpoint again to request the pay off and I was told that they would provide the escrow company the amount within 48 hours. Two days went by and the escrow company had not received the figures. I called again and spoke to someone who told me it would take them till Saturday the XXXX to get those figures. I told them the closing date was the XXXX and I was given multiple excuses including that their systems were down. I'm so frustrated by the lack of cooperating by this company. It seems as if the only option for them was foreclosing on my property and collecting all the fees.
Product: Debt collection

I was called by a collection agency! 
Identity theft occurred... someone took out a personal loan using my information. 
Lender is NCA/Cashcentral.com for {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX/XXXX - partial account number XXXX ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.