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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I replied to a XXXX ad for hay for my horses. After several messages between us, I agreed to buy hay from them. We agreed to a price and delivery time. 
I sent the payment by Zelle to them & they confirmed my order. The order was supposed to be delivered at XXXX XXXX  the next day ( XX/XX/2022 ). After XXXX XXXXXXXX I attempted to find out where the driver was with my hay ; they messaged back, " My driver is heading there. '' At XXXX XXXX, I messaged again and got an automated response, " hi, thanks for contacting us. We've received your message and appreciate you reaching out. '' This morning I messaged requesting a refund and have had no response. 

All the conversations, including the Zelle payment, were through my XXXX XXXX XXXX & XXXX account ( XXXXXXXX XXXX XXXX  ) I have called my credit union & they have stated there are no refunds for Zelle. It is " treated as a cash payment. '' and " you are out the money. '' I reported the ad and the admin for the page to XXXX. 
I have called law enforcement in XXXX, AZ. 
I have reached out to Zelle directly, reporting the scam/fraud. 
I am also filing a report with the FTC XXXX FBI.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Westlake Portfolio Management Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Mortgage

We lost income due to the coronavirus pandemic and were forced to enter a forbearance program. When we were able to start making payments again, our previous servicer sold our mortgage to Flagstar Mortgage. From the beginning, it was a nightmare of an experience. Each person I talked to was rude and even laughed at me while I was discussing my situation on XXXX XXXX, 2021. I was never adequately informed of the process coming out of forbearance. My goal was to refinance due to the low-interest rates back in XXXX of 2021. Although, I quickly found out I was not able to refinance until I ended my forbearance. So I called multiple times just to be told to wait. They were not able to finish my forbearance even after I told them I was sending my payments. Eventually, they went to the lengths of blocking my payments for no apparent reason and then sending me bills for over {$20000.00}. During this time, I received collection calls telling me I was writing " bad checks ''. These accusations were not the case and caused me unbearable mental anguish of being accused of writing bad checks. I had the money to make payments, but they continued to block my payments. They would then call and ask me to make a DOUBLE payment which put us into an even more difficult situation while we had to wait over two weeks to get our first payment back. When I would ask questions on why they weren't accepting our checks, they could not give me an answer. I feel as though they were taking advantage of our situation. This entire process took over six months and is still not resolved. My family lost time and money because of the failure of this company to adhere to even the most basic principles of a financial servicer. I have endured XXXX for the last six months of not knowing if they were going to foreclose on my house, I have lost the opportunity to refinance at a rate lower than 2.9 %, I have lost the time talking to dozens of representatives who acted like I was unworthy of their time.
Product: Credit reporting or other personal consumer reports

INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/TRANSUNION, XXXX, AND XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report dated XX/XX/year>, and noticed several hard inquiries on my report that were not authorized by me and lack a permissible purpose under 15 USC 1681b. Please remove the following unauthorized inquiries : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> I have attached evidence, including a copy of my credit report highlighting the inquiries in question. Kindly address this matter promptly and confirm their removal in writing. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my Transunion profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX
Product: Mortgage

Hello, We have a mortgage with Fifth Third Bank of Cincinnati. We've had the mortgage since XXXX of XXXX. I'm an engineer in the tech field and experienced a XXXX layoff this year. During that time, we became behind on our mortgage. I returned to work several months ago but have been unable to come to a resolution to begin making payments again toward my mortgage. I'm more than capable of resuming payments plus adding some of the arrearages to my normal monthly payment. I have been working through an online system called the " XXXX XXXX XXXX '' in which I submit my application, upload documents, and exchange messages with Fifth Third employees. I am now on my third iteration with this group. I provide all required documentation ( pay stubs, bank statements, hardship summaries, list of household expenses, etc ) By the time Fifth Third looks at the documents, they state I'm over the allocated time. Fifth Third then closes my application and requires me to start again. This has been going on for 3 months and counting. Call their mortgage department takes anywhere from XXXX minutes to XXXX hours to reach a person. If you call during busy periods, they require you to leave a voicemail which is never returned. ON XX/XX/XXXX, we received a foreclosure notice of a court filing. We are in desperate need of help. We've been paying Fifth Third interest on this mortgage for 16 years. We want to keep our home.
Product: Checking or savings account

Suddenly, my entire ROBINHOOD account was put on restriction. I use ROBINHOOD as my checking, as well as their investing services. All of my accounts are locked. I am in XXXX XXXX on vacation and the only info they can give me is that the system flagged my account and there is nothing they can do until days from now. I have never had any problems with them. I dont do anything nefarious nor beyond their guidelines and terms. I have used them for over XXXX  years and now while Im away on vacation, they lock everything with no real explanation nor help to override the system flag. This company is treating its customers like XXXX and deserves to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and Santander was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Product: Checking or savings account

I purchased a cd with u.s.bank for {$25000.00} which came to term on XX/XX/XXXX and asked for the cd amount plus the XXXX interest be returned to me at my home address which they verified. I received the {$25000.00} but never received the interest Of {$920.00}. I called and spoke with XXXX on or about XX/XX/XXXX and was told the check was cut but they would not give me a date or check number. I assumed was Lost in mail and was told I needed to fill out a stop payment form which they would mail out to receive 7 to 10 days. Never received it. I called back and talked with XXXX and she said she would handle it and bypass form not to worry. That was on XX/XX/XXXX. No check came. I called back and spoke with XXXX on XXXX XXXX who said again that I needed to fill out form. I threatened to call attorney general and her manager XXXX called me back and said he would have form sent. We verified my address. Still didnt receive the form. My last call on XX/XX/XXXX with XXXX who Again said the form needed to be filled out and she would personally handle it and I should receive it 7 to 10 days. Its now XX/XX/XXXX. No form. Im at a loss as to what to do. Also they intentionally do not put notes on my account so they can say they have no record of the calls. Point in case is my call with XXXX. When I spoke with XXXX, my last call, I forced her to give me a case number which is XXXX
Product: Debt collection

Hi my name is XXXX, this debt is by I.Q. Data international. XXXX XXXX, an apartment in XXXX  XXXX owned by XXXX XXXX is charging XXXX  of dollars for rent even though they broke the lease by not making repairs required to sustain habitability. On XX/XX/2022 I submitted a maintenance request to fix my apartments air conditioner and I waited 2 weeks, the legal wait period. I never received a response so I messaged them saying Im leaving. The apartment was XXXX and if my parents didnt live in the same city, I wouldve been homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint because I've been disputing information for my capital one account ending in XXXXXXXXXXXXXXXX and the information is not being updated correctly. I submitted a complaint with the CFPB for this issue CFP complaint # :XXXX. My credit reports were initially showing late payments on my credit report for XX/XX/XXXX and late on XXXX and XXXX of XXXX. I filed a dispute with supporting documentation. Showing I was never late and to remove those late payment from my credit report. Instead of removing them, they just shifted them over and now state I was late XX/XX/XXXX and then added additonal negative late payments to my account in an attempt to punish me for disputing and providing information that I was never late. They are also reporting I was late in XXXX, XXXX, and XXXX of XXXX. I was never late in XXXX of XXXX. I was never late the months of XXXX, XXXX or XXXX of XXXX and I was never late XX/XX/XXXX. I was never late on this account. 

I went from 3 incorrect late payments to 4 incorrect late payments. This is totally inaccurate. Please remove all of these lates payments. 

I feel this is unfair and against the law to add late payments in an attempt to punish me for disputing information on my credit report. I think they are trying to keep me a subprime borrower. I think they are trying to give me the run around for some reason. I don't get it. If these lates aren't removed I will look into legal action. 

I attached more proof of payments. Please remove these late payments. 
Proof : I downloaded the monthly statements from the capital one website. 
XX/XX/XXXX statement. Shows I had a balance of {$7.00} I also attached my payment for XXXX showing I paid that {$7.00} Balance XX/XX/XXXX Shows I had a balance of XXXX and a minimum payment of {$25.00}. But I paid more than the minimum payment and paid the full balance at that time of XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Reporting of XXXX XXXX Account Dear XXXX XXXX XXXX XXXX  , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed XXXX XXXX account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Details of the Dispute Account Name : XXXX XXXXXXXX XXXX XXXX Account NumberXXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a zero balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the XXXX XXXX account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report.

Request for Action Conduct a thorough investigation into the reporting of this account. 

Provide written confirmation of the results of the investigation. 

Delete or correct the inaccurate information as required by law.

Send me an updated copy of my credit report reflecting these changes. 

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees. 

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ).

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute. 

As this is a clear violation of my rights remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX the Wells Fargo Bank PLC and the Nevada Department of Corrections issued a XXXX XXXX XXXX XXXX ; from Account XXXX. XXXX of {$49.00} to me - XXXX and Account XXXX. XXXX. But this was short of the Remittance awarded to me by the Supreme Court of Nevada in Docket XXXX ; District Court Case No. XXXX on XX/XX/XXXX, which was in excess of $ XXXX. 

Whereas on XX/XX/XXXX, the Wells Fargo Bank fraudulently transferred a sum of {$500.00} to my Inmate Trust Account No. XXXX and which Act was contrary and in violation of the Uniform Commercial Code ( UCC ) Patent Ambiguity of {$490.00}. 

Accordingly, on XX/XX/XXXX, while I was still in Detention and proceeding on Appeal with the Immigration, the United States Department of Justice approved a Waiver of Exemption Check to me in the Amount of {>= $1,000,000} and which required Deposition in my Account with the Bank. However, the Bank reports to me that my Account was closed in XXXX and can not accept any Deposits at this Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX  XXXX  XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have come here to this site hoping someone can help me with Trans Union. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.
Product: Debt collection

We are Harris and Harris and we are debt collectors. Please call us at this number. 

Receive these robocalls frequently. 

I do not owe any debt to anyone.
Product: Credit card

I had a credit card with Citibank for 9 + years. On XX/XX/XXXX XXXXXXXX  I was trying to buy a plane ticket by phone with XXXX. The person who answered said " reservation can I help you '' from there I continued with the process and then realized that it's not the right company at the last minute when the man on the other line said " I am going to send your info to reservation desk. I answered : what I thought I was talking with an agent of XXXX, he said that we do reservation for XXXX, this is a flight reservation service and handed up. I called XXXX immediately and was told that they didn't have no record of the reservation I just made and I had to re-book and pay again. I called Citibank credit department and was asked to wait for the transaction to be posted and then dispute it / file a claim what I did on XX/XX/XXXX. They spent days before trying to do something, they credited my account and debited it for the same transaction more than three times. the process last more then 6 months. At the end the account was closed with only this transaction / amount and now they are still charging interest on it, even after their fraud department said that I wasn't responsible for the transaction.
Product: Mortgage

I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!
Product: Debt collection

After I refinanced my ho me US Bank sent 2 escrow ove rage checks. I deposited both checks, waited for the checks to post to my account then used the extra money to make a payment to my credit card. After the payment cleared I learned  that 1 of the checks was returned unpaid. I learned from my bank that a stop payment had been issued on one of the checks. After several phones calls to US Bank I was told that they, US Bank had made a mistake on the closing and that the payo ff would have been short which is why they stopped payme nt on one of the cheks. I was also told that a representative of US  Bank had contacted me on  XXXX   XXXX ,   XXXX   the same day the stop payment was issued to explain that i should not cash the {$1400.00} check becuase it would short the pay off. That conversation never happened and the check was mailed on  XXXX   XXXX ,   XXXX  . My records prove that call never happened and I had no way of knowing that the check was no good until it bounced. I have se nt 2 demand letters via certified mail along with phone records that prove they never called but the repose was the same. " We apologi ze for the inconvience '' but they refuse to take responsiblity for the damages except for the nsf fee of {$10.00}. Because they made NO attempt to contact me verbally or in writing, mailed the check even after they stopped payment on it resulted in dilberate and intentianal fraud. This " mistake '' was more than an inconvienece it cost me over {$2800.00} and all my savings to cover the overdraft. All they had to do was notify me and this would have never happened. They took every precaution to protect themse lves and not one attempt  to protect my interest.