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

Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Equifax, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to. XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

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

Sincerely, XXXX XXXX
Product: Mortgage

I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.
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 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 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 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

PayPal is trying to charge me for purchases I made with my XXXX XXXX account, 2 purchases totaled {$1000.00} and I owe my XXXX XXXX a balance of approximately {$530.00} after XX/XX/XXXX, this is extortion. I have documents and bank statements showing my payments to XXXX XXXX, PayPal balance is the company my complaints are about, Im on XXXX and Im having health issues over this because of the stress, theres no talking to PAYPAL as Ive got records of over 30 calls to them and have Also sent my bank statements. This is extortion and fraud on PAYPALs behalf, I took my XXXX XXXX card off the PAYPAL site after they tried to collect money from one of those purchases I paid off 2 days before they sent me an email saying I owe them. They also stole my {$30.00} credit I received from PAYPAL credit because they took a payment out of my bank 2 weeks before it was due and deducted it from the {$1000.00}, so now theyre saying I owe them {$1000.00}. I have since closed my PayPal credit account and the Paypal balance people wont take my bank or debit card off their site until I pay them, those are 2 charges {$940.00} & {$86.00}, the {$86.00} was paid in full on XX/XX/XXXX and I have a balance of approximately {$530.00} on the other purchase, both the charges on on my XXXX XXXX account so why is Paypal trying to extort this money from me also? You need to look into this because its fraud on what Paypal balance is doing. I dont have my card any longer but I put a case # instead of where the card number was supposed to be so you should be able to find it by that, its their Paypal Balance account, and they will no longer let me log in because they said I have an outstanding debt ...
Product: Credit reporting or other personal consumer reports

To whom it may concern i have sent letters to the consumer credit agencies XXXX, XXXX and Experian.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report.

VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall information
Product: Student loan

I believe that AES is trying to collect on a student loan that was payed in full. The original loan was made with XXXX XXXX. The following accounting is from AES ' own website which I have attached. On XX/XX/XXXX, the loan was consolidated in the amount of {$21000.00}. On the same date XX/XX/XXXX, the next entry indicates an adjustment and a balance of {$19000.00}. The following payment onXX/XX/XXXX brought the balance to XXXX. On XX/XX/XXXX, I paid the amount that was due, {$19000.00} which is the sum of the displayed principal balance of {$19000.00} plus the interest of XXXX. At the time I made the payment I was in deferment status. I began receiving notices from AES in XX/XX/XXXXstating that I owed no money. In XX/XX/XXXXof last year, XX/XX/XXXX, I began receiving bills that money was due. In XX/XX/XXXX I called them to explain that it was my understanding that I did not owe any money because I had paid off the student loan years earlier. AES is currently stating that I owe a balance of {$1100.00} and interest of {$700.00}, interest rate 4.875 % and with late fees and accrued interest. With a Due date of XX/XX/XXXX. I spoke with them again FridayXX/XX/XXXX again requesting the accounting. What I am looking for is a detailed accounting of the loan history. I am upset that after 12 years they start billing and demanding payment. They are unable to explain the details of the money that is due. They never explain the triggering event of why after 12 years this became due. I checked the nslds.ed.gov website and the {$1100.00} is in fact in that system. If there IS that balance due that may have been owed, they never have been able to explain where that balance comes from nor the accrual of interest and the calculations used to demonstrate the accuracy of this billing. I am willing to resolve the matter, but I believe it is reasonable to expect that the billing agent demonstrate how their alleged balance has been calculated. In lieu of full payment, the threat of further penalties and interest absent this accounting feels more like extortion than a sound and reasonable business practice.
Product: Mortgage

RE Case number : XXXX In this complaint I spoke about paperwork being misplaced, lost and receiving form letter responses from Freedom Mortgage ( FM ) referencing fake extensions and fake names of CSR 's. Every time I have had any communications with FM its been either traceable, provable or with a additional person on the call to verify what I am speaking about is honest. This witness is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We received a response from FM from a individual named XXXX XXXX through this complaint process. Since the original complaint more paperwork has been lost, and it took Freedom almost 10 days to process last months check ; which resulted in their announcing they will foreclose on this property is all payments are not received by XXXX 2016. Never mind this is part of my complaint they lose paperwork but process checks and then accept zero responsibility. So I put together yet another package and mailed to FM addressed to XXXX XXXX. XXXX XXXX the USPS attempted to get this package to XXXX XXXX, she could not be located. On XXXX XXXX the USPS again attempted to locate her, she was not located and reported back to be as not a individual who worked at FM. Again another check was enclosed in this package and while it was signed for FM states they do not have payment. The individual who signed for this package is XXXX XXXX ; who chances are is another fake name so this company is not held accountable. This all started in XX/XX/XXXX when my well pump and tank quit and had to be replaced. I spoke with the original mortgage company or the one who took care of my loan at the time it was no issue for them ; a few days later FM purchased my loan. Told FM the same story in XXXX was told no problem ; they could see prior to this hiccup I always paid on time via autopay and always paid more than what was due. My credit score in XXXX was over XXXX and since this comedy of errors its under XXXX with the only bad mark is FM and their mistakes. I understand I misunderstood the FM CSR in the original phone call but since then its been XXXX error after another. Now because of poor paperwork handling you can see I who was once a good credit risk can not even get a loan from a loan shark. I have tried to sell items ; I have turned to HOPE and the VA and neither can help since this is not a mismanagement of funds but an error I made to repair a well so I can have water to drink ; yet FM continues to drag this on. In the response from XXXX XXXX she states they need my taxes ; I have not filed taxes in years due to not working and on a VA XXXX ; simply I do not meet federal guidelines to process taxes. My last XXXX I processed while my daughter was still in college I made a minus value in reportable income. I did those taxes so my daughter could qualify for a grant in college. Attached is a letter sent to FM and other supporting documents.
Product: Debt collection

I made a settelment amount paid it and they are showing on my credit report that i still have a balance in collections.
Product: Vehicle loan or lease

Hey I was denied a credit extension through this company and by law they hall not refuse to extend a individual credit through them I know the underwriter making a deciding factor but it not a factor to Deny me a credit extension and that they are false advertising and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been incarcerated and pulled a copy of my credit report it appears that someone open an account in my name that I didnt authorize and my identity was stolen
Product: Credit reporting or other personal consumer reports

Requested from Credit Karma to place a fraud alert and to removed this card. Contacted the credit card company and informed them this is not my credit card and it's not my name. Because it's not my name they refused to remove the credit card or post a fraud alert. Also posted a fraud alert with Transunion and they said I needed to report this to this organization. This is the credit card information. XXXX XXXX XXXX XXXX {$1400.00} {$35.00} - Name on card XXXX XXXX The credit card company and Credit Karma said they would not help because I do not have the credit card number, my name is not on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has placed their account on to my report. I have no idea where its coming from. The original creditor was not under my name so not sure why its under my name now. I have tried disputing the whole account but was unsuccessful. This is why Im coming here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies and Loan Providers were inaccurate and indirect. I did my part of communication and they failed to keep me up to date. I have resourced my options and want to dispute my enrollment at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXX XXXX  FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

On XX/XX/XXXX we were notified that a parcel of land, that we own, had not had the taxes paid for since we bought it, XX/XX/XXXX, therefore it will be sold in a tax sale, as of XX/XX/XXXX. We notified our mortgage company, National Star/Mr Cooper. We were informed that it would be immediately correctly and not to worry. We have been working with XXXX County Treasurer 's office ( in Indiana ) to correct the situation, however, Mr Cooper has been fighting against us to pay the taxes, even though we have an escrow account established, from day one of the loan. We have tried, weekly, to resolve this issue to no avail. Mr Cooper refuses to cooperate in any corrections. My husband is a XXXX veteran who has NEVER missed a payment, never had a late payment, and here we are on the verge of losing our home in 7 days. They are taking monies out of our account and NOT paying the taxes. We are angry and scared that we are losing everything that we worked so hard to get, all because a company, that was trusted, is destroying it. My husband suffers from XXXX and this situation has put him in a tailspin. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

A month ago, on X/XX/2017, I tried to establish a merchant account with coinbase.com, so I could accept bitcoin payments from my customers. In order to finish the registration, one must undergo an ID verification step ( using a webcam or camera, or phone ). After more than a dozen attempts on different devices ( computers, laptops, phones ), different OS ( XXXX XXXX, XXXX and XXXX ), and different browsers ( XXXX, XXXX ) I am still unable to finish the ID verification process and hence establish my merchant account. The company ( Coinbase ) is not helping at all, I just receive automated responses from XXXX that do not address the issue. Several online forums ( such as XXXX ) are full of complaints about this, and many have reported this issue to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of XXXX XXXXears and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and Experian closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through XXXX XXXX needs to be removed off of my credit