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

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance : {$640.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance : {$640.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$31000.00} - As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. 
XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} - You are reporting a DELETED information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE this account as soon as possible.
Product: Mortgage

On XX/XX/2021 I spoke with a loan re for Amerisave Mortgage, a subsidiary of XXXX Mortgage, I believe. 
The loan rep I was dealing with XXXX XXXX, told me that I had to give them a non- refundable deposit to secure my refinance with Amerisave. I spoke to another lender shortly after and he told me that I never needed to give them any money up front to secure my loan. When I heard this I e mailed her on Monday, XX/XX/XXXX, that I wanted my loan cancelled and I wanted a refund of the {$500.00} dollars I had sent Amerisave. She told me she did not think I would get the money back since it was NON REFUNDABLE.

Isn't there required to be a 3 day right of recission and don't the loan guidelines prohibit non refundable monies, especially when you cancel the loan within 3 days?

I find this to be predatory lending practice and that is why I am reporting it. 
I would like your help to secure the return of that {$500.00} to me.
Product: Credit reporting or other personal consumer reports

I have a former bankruptcy on my credit report I asked them to provide that the Experian to provide the reporting status from the US Bankruptcy Court XXXX. According to the Court them don't report Bankruptcy therefore I need Experian to provide documentation from the courts. In real time writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Chrysler Capital to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Chrysler Capital to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Debt collection

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

I sent a letter of verification dated XX/XX/18to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report.

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX to show proof of any such accounts.

XX/XX/18 I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations.XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau!

Today is XX/XX/18! Ridiculous! This all literally started in XX/XX/XXXX and its almost XX/XX/XXXX. Do companies no longer have to abide by the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Product: Checking or savings account

early in my banking experience on numerous occasions overdraft fees and other fees were assessed.
Product: Debt collection

My name is XXXX XXXX. As a Federally Protected Consumer, i am exercising my right to Remedy a situation with Navient. On XX/XX/2022, I sent Navient a XXXX and XXXX Notice letting them know that they have violated me.This notice was received by Navient on XX/XX/2022. Within the notice i informed them of how the situation could be remedied. I requested an audit trail of the alleged accounts and have not received it. They are still reporting negatively on my Consumer Reports.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I hired an HVAC company called XXXX XXXX to replace our AC/furnace. They offered financing through a company called XXXX XXXX XXXX ( XXXX XXXX, IA ). The interest rate I agreed to and that is clearly indicated in the handwritten proposal/contract I signed on XX/XX/XXXX was 9.9 % fixed after 12 months with no interest. 

On XX/XX/XXXX I received notice that XXXX XXXX had sold/transferred the servicing of my account to Concord. In XXXX of this year I finally went online to check the account and saw that Concord has been charging me 11.95 % interest. I emailed to request a correction and was sent a typed contract ( a " Copy of Original '' ) that I had never seen before and did not sign, although there is a XXXX XXXX XXXX Facts '' / '' Disclosures '' page with my signature on it. ( This page includes my name printed by some other than me. ) Key to the issue is that this contract indicates 11.95 % interest rate on the terms page ; however, the original handwritten contract is included as the last page, and it clearly shows the 9.9 % rate. Again, I did not sign an agreement for anything but 9.9 % interest. This company is engaged in fraudulent activity, specifically apparently electronically forging my signature after creating a sham contract that does not reflect the handwritten agreement I signed with the XXXX XXXX sales agent present in my house.
Product: Credit reporting or other personal consumer reports

I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate. According to the 15 USC 1682 s 2A, 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 the information is inaccurate. Please see my attach files showing inaccuracy on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just a few days ago CFPB contacted Equifax and XXXX XXXX about a reporting problem. XXXX XXXX  immediately reported findings to Equifax. After several days Equifax told me that the item had been deleted from my Equifax credit file, IT WAS NOT! At this very moment I'm looking at the my Equifax report published by Equifax with the same collection that I have complained about now for 60 days. XXXX XXXX XXXX in XXXX Georgia for XXXX. Equifax continues to snub it nose at CFPB and XXXX XXXX XXXX. 

PLEASE HELP ME! 
XXXX XXXX XXXX
Product: Mortgage

I inadvertently sent two mortgage payments for XX/XX/2022. As soon as I realized my error, I called TD Bank to request a refund of the duplicate payment. Although customer service tried to talk me into letting them hold the money for the XXXX payment, I insisted I wanted a refund. I knew not to trust them when they didn't offer to wire my refund. They are a large financial institution, after all, aren't they? I was told to expect the refund on XX/XX/XXXX. When it didn't arrive, I first checked my account to see if TD Bank had applied my refund to my XXXX payment. They had not so I called TD Bank again to inquire about my refund. Again, customer service tried to talk me into letting them hold the money for the XXXX payment and I made it clear I wanted my money back. I was told it would take 10 days to process. When the check hadn't arrived as promised, I checked my account to see if TD Bank had applied the duplicated payment. My account only showed the payments I had made in XXXX as well as XXXX. I called TD Bank again and was told to expect my refund on XX/XX/XXXX. It is still not here. I will not call them again because it is obvious they are not respecting my request to send to me my money. The amount is {$2100.00}. Their comment about applying a duplicate payment to the next month is false because it assumes everyone has lots of extra money laying around. Also, if they were to apply the duplicate payment to the next month, it would be done early in the month so it would not be late. This incurs another question- why are they holding my money and not applying it to the next month 's payment as they say they will? It is bad enough that I had to pay {$250.00} in bounced check fees! They've had more than 60 days to make this right. 
I had had a mortgage with XXXX XXXX with my previous home and they became known as the poster child for fishy mortgages. It looks like TDBANK is a top contender now for this, er, honor. Although I have no idea the number of customers who send duplicate payments in error, it is nothing new, and taking advantage of this is extremely shady. Their online mortgage payment processing system is also convoluted which is also suspect. While waiting for my bank to update it's bill payment system, I used TDBANKS to pay my mortgage. It's cumbersome, convoluted and one has to be routed through a number of customer service numbers to make any changes to mortgage payments. I stay on top of my bills and had forgotten I had initiated my mortgage through the TDBANK system, hence the snafu. I'll register another complaint about their bill pay system if you ask me to. 
I appreciate the time you take to look into this.
Product: Mortgage

This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit profile and there are ( XXXX ) incorrect address that I have never lived. ( XXXX ) incorrect employers that I have never worked. There are ( XXXX ) inquiries that I never authorized I want all of this deleted.
Product: Checking or savings account

So Ive spoken to chime bank and the representative laughed at me. I was filing a dispute for over XXXX dollars that is me and my familys rent money. My card was stolen and Ive filed necessary police reports in the town we were in we were vacationing when my wallet was taken from my hotel room. Chime is not taking us seriously please help us. We are going to be within days of eviction if these funds cant be recovered.
Product: Credit card or prepaid card

Sometime in XX/XX/XXXX, a friend had gutters put on his house and was happy with the product. He asked if XXXX XXXX if he would like to speak to the company. XXXX XXXX and XXXX XXXX, XXXX. XXXX XXXX agrees to a showing. 

The appointment was with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX, XXXX, was on XX/XX/XXXX. 

XXXX measures the house on a very brutal XX/XX/XXXX, day. asked if XXXX XXXX was going to assist, he replied no, and came the house. XXXX was out measuring for forty-five minutes. When she ran in, she needed a minute to warm up. 

The whole conversation about the entire contract between the XXXX XXXX was verbal. No paperwork left with XXXX XXXX about the work to be done. Only a simple credit application with approval, already maxed out by the contract price and signed by XXXX XXXX. When XXXX XXXX realized, all XXXX left him with was a credit card sign application and an illegible and incomplete cancellation form. The following day we requested such forms billing of the job, complete information for the cancellation notice, and what specific discounts did we get with our package deal. We explained we had just saw a commercial claiming discounts. We wanted to see a billing for the work to be done and the discounts spelled out. We will refer you to the first few attachment for better clarity at this point. 

Part two : XXXX XXXX sent a representative XXXX XXXX. top sales rep. to speak about the issues. He was unprepared to answer the questions about the difference in billing and statements. But he tried. He understood the problems with how the drainage system was over worked in some areas causing flooding of the back enclosed porch and under worked in other areas. Apologized for the language barriers with the installer who did not speak XXXX, and therefore could not make the adjustments as XXXX represented in the walk around the house. We were less than impressed about why he too is unable to give me figures on the billing. therefore Wells Fargo gives them an amount they will finance and they bill according to the financing available. nothing to do with materials and labor. 

We are dissappointed to report that Wells Fargo is aware of bad business practices of one of their loan program contractors they do business with. Our compliant with WellsFargo Bank, is that the job is priced according to the amount Wells is willing to loan. Our complaint number for that company is XXXX against XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). To date Wells Fargo is aware of the Company 's  inability to give a true billing of charges and are not according to TV commerial. Wells Fargo is also aware we have damages due to this installation of product. And are still wating for the corrections to take place. We also feel that the job is over priced due the excessive use of downspouts. 
With all our dissatisfaction, Wells Fargo has, returned to activating the card for regualr payments. 
We are waiting for full resolution to the above listed issues are resolved to return to payment status. This event took place on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
Product: Debt collection

Received a call about a payday loan thats over 2yrs old. The caller from XXXX XXXX XXXX XXXX stated they were taking legal action and sending over paperwork to my local county office for legal action. I originally set up a payment arrangement in XXXX, but then my bank started declining the transaction. Called the company I received the loan from were they verified that I was eligible to reapply for a loan with them. Which meant that I had already paid them what was due. On top of calling the real XXXX XXXX XXXX XXXX where not only did they verify that the caller was not an employee there, but the CEO of the company itself said he stopped this business and the name over 3 yrs ago. Its sad during times like these that there are people out there pressuring citizens with legal action to pay a debt. The company that was trying to withdraw from my account was ATKB Portfolio XXXX. And the senior associate that advised that she was sending the documentation over to my local county name was XXXX XXXX. When I tried calling back on XX/XX/XXXX the voicemail went to a XXXX XXXX  XXXX. Which is not XXXX XXXX XXXX XXXX or ATKB. The number that they kept calling me from is XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 Someone fraudulenty opened a Citi card in my name. Trying to get the correct Citi card support number to call is frustrating at best. First thing they want me to enter into the phone is my SS #. NO!! No option for fraud just enter the card number ( that I don't have ) or SS # in order to talk somebody overseas. Right off the bat I don't think they are legit. Who knows if I called the right number there are dozens of them online. Finally got the card closed by hanging up on the first person who insisted I give my SS #. The second time I called I got someone who spoke English and finally closed the account without asking for all the info they should already have and assured me I would receive a report stating it was closed along with a survey. I then filed a report with the FTC and now here. I also opened a free online credit monitoring account with XXXX. I don't know what else to do. Credit card companies need to stop asking for SS # to identify me and provide an opening option to report fraud. I am not going to give the guy from XXXX all the info that was just used to fraudulently open a credit card in my name a second time. I just had to provide that info through prompts on the phone to get to him. Finding the support number to report fraud should easier to find online then it is. One number!!!! Not 12 different ones!!
Product: Debt collection

XXXX XXXX XXXX XXXX - {$11.00} XXXX XXXX XXXX XXXX - {$25.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$990.00} Never received any medical bill from XXXX or XXXX XXXX. 

Company that is sending the collection letter is AAA Collections , INC,
Product: Mortgage

My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment.
Product: Debt collection

I reached out on XX/XX/2021 via letter to XXXX XXXX who owns the debt and has now outsourced to Viking Client Services. XXXX XXXX/Viking Clint services say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. XXXX XXXX still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.