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

I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. Equifax in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this? 

Equifax has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but equifax still have them as verified? Now XXXX  has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment. 

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the matter..
Product: Checking or savings account

Two years ago Chase closed my business account because we are minority owned and we deal mostly with minorities. To make matters worse, they held cleared funds for several months and did not tell me about stop payments that customers had made and cost my business thousands of dollars in lost customers. When I filed a complaint with CFPB Chase sent a certified letter to my house telling me never to go into one of their branches or it would be considered trespassing. 
Today in my mailbox I got a flyer offering me {$300.00} if I would go to the branch at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL and open a business account. This flyer came from XXXX. XXXX XXXX in XXXX XXXX, TX. The code XXXX is printed on the front of the " Special Invitation ''. 
IF I am not permitted to go to a branch, why are the thugs at Chase terrorizing me by sending literature to my house? To make matters worse, I do not conduct any business out of my house and I certainly would never give XXXX XXXX like Chase permission to contact me there at my home, an address you have sent me things at before. 
During the time my business, XXXX XXXX XXXX XXXX, had an account with Chase we never had a single time we were in the negative and they earned thousands from us in fees. CHASE closed this account not me. Now they need to leave me alone and stop sending my business things in the mail.
Product: Credit card

I, XXXX XXXX XXXX on or about XXXX, 2024 I applied for credit with Continental Finance and was Issued 2 Credit Card 's on XX/XX/year> Revel & Surge for a Total Credit Line of {$500.00} each. I then attempted to remain in honor by tendering payment for {$130.00} via an Ambiguous Negotiable Instrument in the form of a paid U.S. Postal Money Order ; which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Postal Money Order Serial Number 's XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$130.00} in accordance with HJR-192 ( The XXXX XXXX Act/Emergency Banking Act ), Public Law 72-10, U.C.C 3-603 ( b ), U.C.C . 3-311 and Public Law for Negotiable Instruments to Continental Finance ( XXXX ) on XX/XX/year>. 
They dishonored my instrument and did not credit my account correctly. Instead, they refused to stand in honor of the law by applying proper payment. They credited the account 's for {$45.00} each instead of the tendered negotiable amount of {$130.00}. Even with the agreeing that they do accept legal tender, which is what I provided ; and even with the ability for the instrument to remain negotiable which is an even greater benefit for them. 
I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, Transunion and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX XXXX had posted Lending Club had a loan for me 90 % approved at 11.97 % interest APR I filled out the application and came back and they said it would be 18.97 I think it was very misleading and dishonest
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/XXXX their was fraud on my personal credit card for {$3600.00} and I immediately reported it. Amex issued a fraud credit then send an email on XX/XX/XXXX that they were debiting my account as I provided my account info to merchant. Merchant is XXXX XXXX and I have never heard of them. Amex falsely accused me of sending my account info on XXXX XXXX when I was with my family. Amex isnt following the agreement of 0 % fraud liability. Amex falsely accused me of providing my account info to a merchant I have never done business with that is out of state.
Product: Mortgage

On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.
Product: Student loan

I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}
Product: Debt collection

I am writing to formally lodge a complaint regarding a loan account that has been fraudulently opened in my name. This account, referenced above, was not authorized by me and is a result of identity theft. The presence of this incorrect information on my credit report is causing significant and undue distress. 
I discovered this fraudulent account during a review of my credit report. I can assure you that I have not applied for or taken out any loan with your company. This account was opened without my knowledge or consent, and it is imperative that this issue be addressed and resolved immediately. 
When I first became aware of this fraudulent account years ago, I contacted the loan directly to report the issue. At that time, I was instructed to file a police report, which I did promptly. Despite my compliance and numerous subsequent attempts to resolve this matter with them, my name remains associated with this fraudulent loan. This lack of action and resolution on their part has been extremely frustrating and has continued to adversely affect my credit.
Product: Debt collection

XXXX XXXXXXXX XXXX- Was told by an associate that they would report my debt to the credit bureaus. Told them I couldn't do anything right now. 

XX/XX/XXXX - Associate was very rude during a phone call about trying to collect a debt. Then was informed about a new debt that I had no idea existed. 

XX/XX/XXXX - I called back to have validation letters sent to my new address and explained that I had not received any validation letters prior. They said they would not resend them. 

Countless phone calls between those two dates that was so many that my spam blocker on my phone started to automatically flag and ignore them.
Product: Credit card or prepaid card

I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone and XXXX XXXX has stolen what little financial dignity I had remaining. During the storm and as an unfortunate result of it's aftermath, I have been unable to use the simple technology to effectively manage things such as automatic bill payments and their cancellations due to rolling service outages, infrastructure problems, and other more pressing events beyond my control such as the safety of my loved ones. Even today as I write you regarding this I am still without reliable service at this point hence the continued delay in reporting this and other problems consequential of the most recent events. Nevertheless, although the funds were available to shortly after to cover the funds, the mounting fees made it impossible to ever catch up. To add insult to injury during this already difficult time, I received a email on my birthday nonetheless, that XXXX XXXX is closing my credit card accounts after five years of  my loyalty their brand and an impeccable payment history. It's almost as if they are intentionally taunting me during a time when it would seems as if they would be willing to help their loyal customers who have perfect histories with them.
Product: Debt collection

In XXXX XXXX XXXX I visited the XXXX. I paid my deductible per XXXX XXXX ( my health insurer, at the time ) and received a statement that the claim was settled. A few months later, I received a bill from the XXXX doctor. I contacted them and asked what the bill was for and they stated that they didn't work for the hospital and it was part of their billing. I immediately contact XXXX to complain, given I should only be responsible for the deductible. They agree and informed me this was called Surprise Billing and not to pay it, they would handle the claim. About 6 months later, I began receiving requests to pay this doctor bill from a collector. I told them I was informed by my insurance company to not pay and forwarded the statements to XXXX. In XX/XX/XXXX, I applied for a Home Equity Loan and was very surprised to see I was denied and immediately ran my credit report. The debt collector for the XXXX doctor reported this Surprise Billing negatively on my credit report for both XXXX and XXXX. I again contacted XXXX and asked why this hadn't been taken care of, as they stated they would. They pull the claim and said they would again take care of it. This has affected my credit negatively and repairs needed on my home. It now illegal to collect on Surprise Billing and I am stuck in the middle between an unsavory debt collector and my health insurer. I need help!
Product: Debt collection

Never received any notice of debt I tried to dispute with credit bureaus with no luck.
Product: Mortgage

On XX/XX/XXXX I refinanced my Mortgage from a XXXX yrs. Fixed rate to a XXXX Yrs. Fixed rate mortgage. At the time of refinance, my property appraised at a market price of {$370000.00}. 

After the refinance, I had a loan of {$320000.00} so I was at an 84.65 % loan to value. 
At closing, I signed a PMI disclosure stating if I made all my payment on time, I could request a PMI removal based on the projected loan to value calculations on XX/XX/XXXX which is after XXXX payments were made.. 

I recently requested the PMI removal from my lender Freedom Mortgage because I was well past the date of first removal opportunity. Freedom Mortgage decline to remove my PMI and stated they want me to pay for a Broker 's Price Opinion. I found that odd as I receive no less than XXXX call a week from Freedom Mortgage offering to lend me more money based on my increase in value. Apparently they are aware of my value but insist on charging me to prove what they already know. 
The county appraisal district shows my property " Market Value '' to be {$580000.00}, this is something that is public knowledge and easily available to my lender. 

My Lender is Freedom Mortgage and my loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request an investigation and correction of the following accounts on my credit file, as mandated by the Fair Credit Reporting Act. Firstly, with regard to XXXX XXXX, the balance owed is reported as past due despite the account being closed with a XXXX balance. This indicates inadequate record keeping, and I urge you to correct this immediately. Please provide evidence to support that no false information has been reported, or remove it from my credit file. Secondly, the item reported under XXXX XXXX is inaccurate, as the account is closed with a XXXX balance, yet it is reported as past due. This is concerning and could negatively impact my creditworthiness. I request that you rectify this error without delay. Please provide proof that you have not reported false information, or remove it from my credit file. Lastly, with regards to XXXX XXXX, the account history and payment status are inaccurate. A charge-off should reflect a XXXX balance, and this misinformation is damaging to my credit. Please provide proof of the last payment made, or remove this from my credit file.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

On XX/XX/2021 I contacted XXXX on a dispute I had. This dispute was a business Debt that should not be reported to my personal credit as my company is an LLC. 

I reached out and spoke to a woman who called me from XXXX who was very rude when I tried to discuss how this was being reported on my personal credit report. I told her that the products were shipped to the customers and they received the products I did not see how her company gave the money back to the customer. 

She told me when credit card customers file a dispute they automatically refund. I explained to her that this was the reason we left them to begin with and I was actually contacting her company to get the attorney of record so I can take this to court. 

She told me to use XXXX and she did not have to give me any information. I explained to her that the XXXX XXXX XXXX XXXX XXXXs and the CFPB both told me I had a legal right to this information if I wanted to pursue court action which is what I plan to do since the state said that XXXX can't place a XXXX on the business side and then put it against my personal credit. they advised this was against the XXXXi Department XXXX banking regulations here and that I could take it to court to have XXXX XXXX judge decide if the debt is legit. 

So I went to the court, I got the paperwork and in the paperwork, it asks for me to list the name and address of the person to subpoena to court which is why I called her. She told me I didn't need it and to either pay it or she would make sure it ruined my personal and business credit. 

I even told her that I was told this was a law and she said she didn't care what the law was and she was above the law. When I told her I was going to file both in my state and at the CFPB she said to do whatever and that the CFPB don't tell her or her business what they have to do and she didn't care what the consumer laws said.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo suddenly closed my account based on credit usage increase and 30 day late notice on my credit report that was erroneous in nature and is being disputed. I had just finished paying off credit card with a XXXX credit limit. I was a good customer and even took a consumer loan to finance kitchen remodel. They merely closed my credit card account and ruined my credit score based on nothing feasible and fear. They in no way worked with me or asked why credit usage was high ( was remodeling home ). The credit usage was on another card not affiliated with WF.
Product: Mortgage

My mortgage was transferred to a company called Regions Mortgage. The First payment to Regions was to be made in XXXX. I setup auto-pay through my bank ( XXXX XXXX  XXXX who i have used for several decades ). 
In late XXXX i received a notice from Regions Mortgage saying I had made no payments what-so-ever. 
XXXX XXXX  gave me the transaction ID 's for all the payments. They show the payments were deducted from my account. 
I contacted Regions Mortgage. They had no record of any payment. They took all payments during that call using my debit card. 
My XXXX XXXX account has shown 2x the number of payments I was supposed to make. 
Regions Mortgage credits only the number of payments they took during that call. 
I have sent them all the transactions via email. That was two weeks ago. They have not responded to my emails. They wont call. The last call was disconnected after being on hold for a very long time. 
I have dont nothing wrong, and yet my credit report reflects negative. Also, I was charged a late fee. None of this was my fault. I have over-paid my mortgage by a considerable amount and I very much not happy with Regions Mortgage ( a company I did not chose to do business with! ). 
I really need help fixing this. I don't have enough money to make 2x my normal mortgage payments right now. Times are tough, but when things get better I most certainly will continue making extra payments as I always have. 
Attached are screenshots from XXXXXXXX XXXX showing payments made to XXXX ( previous mortgager ) and Regions ( new mortgager ). Also, I've included a recent report by Regions. 


Thanks for any help you can provide XXXX XXXX XXXX XXXX, TN
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX Balance Owed : {$650.00}