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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have XXXX  days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I see on my credit report that XXXX XXXX is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to them with a discounted offer. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract. At the time the debt was initiated I was married and didn't even have the last name XXXX.
Product: Debt collection

I have tried time and time again to contact this collection company, I could never get through to talk to someone to ask WHY this debt is still showing NOT PAID on ALL XXXX of my credit reports AFTER have paid you in full for this XXXX XXXX XXXX XXXX. I could never get through to talk to a customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Product: Mortgage

I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.
Product: Credit reporting or other personal consumer reports

Equifax if reporting an incorrect balance on my Credit Cards, XXXX has XXXX balance they are inaccurately reporting balances on both accounts, also my XXXX XXXX has a XXXX balance they are reporting inaccurate balance on my XXXX XXXX by XXXX Bank account, this account has a XXXX balance
Product: Checking or savings account

XX/XX/24 requested to open account with Bonus Offer provided Bonus Offer Code to Banker XXXX XXXX He said he would do everything he could to make sure I got the Bonus I asked for proof he had entered the code upon opening my account he said I have already opened the account he made a mistake and the code was not accepted he said he would correct the problem I am seeking reimbursement for the Bonus Offer proof that he entered the Bonus Code to my account I need to know what happened I deserve the Bonus Offer
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX  TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR XXXX XXXX XXXX XXXX XXXX OCWEN, PHH OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission XXXX. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


XXXX, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION A XXXX, XXXX WAS THE OWBER OF L AND B HOMEBUILDER JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Product: Mortgage

I returned a recast  package that included my XXXX payment and the {$500.00} recast fee to SLS via a prepaid 2 day XXXX  package on XX/XX/XXXX. I tracked the package on XX/XX/XXXX and it was still tracking to XXXX, NC. I called SLS and notified them that the package must be misplaced in NC and that I was going to make my payment with the recast fee online through my bill pay and that I was going to stop payment on the 2 checks in the lost package. I made the payment on XX/XX/XXXX which they received on XX/XX/XXXX. They emailed me another recast agreement which I also sent to them on XX/XX/XXXX. On XX/XX/XXXX they received the lost package and tried to deposit the checks that I had told them that I stopped payment on. I made my XXXX payment on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they reversed that payment along with my XX/XX/XXXX payment. They called me on XX/XX/XXXX wanting to know when I was going to pay my XXXX payment. I explained what happened and that I had a statement at home stating that they received my XXXX payment and that my next payment was due XX/XX/XXXX which I had already paid on XX/XX/XXXX. When the stop pay checks were returned to them they reversed both of my electronic payments as well. They have corrected my XXXX payment but posted that on XX/XX/XXXX instead of XX/XX/XXXX when they actually received it. I have a statement that I have attached showing next payment due XX/XX/23 amount due {$0.00} but when I called them today they are telling me that I have to make a payment to prevent a late fee. They can see that there are unapplied funds but they are waiting for the escalation department to apply the funds. So I called back and tried to do a payment over the phone but the system is telling me that there is no payment due. Can someone please help me??
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I've copied and pasted the demand letter we issued to Block , Inc . 

[ XXXX XXXX XXXX XXXX ] XX/XX/XXXX Block, Inc. ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract.

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

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

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Information XXXX Be Reported : Full Name : XXXX XXXX XXXX Correct XXXX XXXX XXXX : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX Apt XXXX, XXXX, FL XXXX Current XXXX : XXXX XXXX XXXX RESTAURANT I have XXXX XXXX copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors XXXX be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( XXXX  ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/ 2022 I requested a refund of a payment I made back in XXXX of 2022 for a total of {$3500.00} from Edfinancial. They told me at the time to wait 60 business days. In late XXXX when I emailed around the 30 business day mark, they told me to wait 90 business days. I emailed them again shortly before XX/XX/2022, and they told me to wait 120 business days when I was originally told 60 business days which has come and gone. I just want my payment refunded. I see other student loan servicers get refunds out to others within weeks, its been nearly 4 months for me. Ive even seen people who have requested refunds on XX/XX/XXXX and XXXX already get theirs processed from Edfinancial due to complaining, when I still havent received any correspondence on my request.
Product: Credit reporting or other personal consumer reports

that reminds me the Department of Education and Nelnet are in the process of forgiving me of my loans but it hasn't shown up on my credit report yet I'm wondering why why should it take until XXXX to do so
Product: Mortgage

My wife and I received a wire to pay off our mortgage on XXXX XXXX, we went into a Wells Fargo branch to have the funds moved to payoff our existing mortgage so we could purchase a new home on Thursday. The branch representative called got a payoff and moved the funds provided us a receipt and said it would be showing in 24-48 hours. We checked this morning and were shocked to see a balance on our account. When we called Wells Fargo to find out what was going on it appears the branch did not appropriate the fund correctly and instead placed the funds toward future payments. We asked for this to be fixed but were informed it would be 48-72 hours thus delaying and potentially jeopardizing the purchase of our new home. I stressed importance of this to the mortgage rep on the phone was told nothing they could do, I spoke with a supervisor XXXX who also said nothing they could do it was not her fault the branch made a mistake and they have to re-appropriate the funds, the branch should have wired the funds vs. transferring. I explained this was not our mistake and Wells Fargo as a whole needs to resolve this was told nothing they could do, I mentioned filing a complaint with CFPB and was transferred to XXXX in the executive escalation team. XXXX was very nice but once again even though Wells Fargo received our funds in the form of a wire they could not verify that those funds are paying off our old mortgage so she was not able to provide anything or verify for the new lender that the funds are in Wells Fargo system but were applied wrong. This places us in a very bad situation that could potentially not only cost us money, we could lose our new home and since our old home is set to be rented/occupied on XX/XX/XXXX my wife, my children and myself are left without a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Capital One has left me stranded in New York with XXXX XXXX  when I am from Louisiana and I cant get back home because my direct deposit is now going on 3 days late
Product: Debt collection

I had 2 credit cards with XXXX Bank. After losing a baby, losing my father, and losing my job I had fallen behind on paying them, however I had made arrangements with XXXX to make $ XXXX payments on each credit card. They could not provide me with account numbers and suggested to just schedule the payment through my bill pay and as long as I had those scheduled, no further action would be taken. I have had both payments scheduled since that moment for the XXXX of every month. They're not cashing the checks until the XXXX of the month. While that's suspicious, I had not heard from XXXX until I found out that someone was trying to serve me papers at an old address. XXXX sold my debt to Zwicker Associates PC without notifying me of that action. I've requested that XXXX take the debt back and continue with our agreement to no luck. While they have stated they're okay with Zwicker contining $ XXXX payments without a judgement or wage garnishment. I've not been able to make an arrangment with Zwicker or get a call back of any kind. They did not send any type of notice prior to submitting my debt for judgement. I've requested a debt validation letter and have not received anything back. My daughter tried to commit suicide earlier this year and the collection efforts performed by Zwicker have caused undue stress and XXXX. Forcing me to consider bankruptcy. A judgement or wage garnishment will affect my employment negatively as well.