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

This is my second time writing these XXXX XXXX XXXX to show proof that the law were followed by these companies listed below and their credit agency as well, instead I was sent the e-Oscar computer generated computer response stated that the account was verified but no proof of how this answer and verification was provided, I am asking for proof of validation, verification and proof the laws listed below were followed. I DO NOT consent to the response being computer generated or e-Osca responses which is not an accurate investigation that is required by law. 
The first violation of law your credit agency and these other companies violated was the 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. Any account that has been paid for such as " chargeoff '' must not be added or remained on a consumer 's credit report due to debt has been paid by the IRS, these debts are now considered income and income is against the law to be reported on a consumer report ; it is also against the law for them to fail to mail or deliver the copy of 1099 form to the consumer. I do not give consent for any paid off accounts that are reporting as charged offs to be on my consumer report. Failure to do so will require me to seek legal aid to assist in the laws not being followed or valid proof by law of investigation findings of the information listed on reports.
Product: Mortgage

My mortgage is with XXXX. My payments were being made by Equity Accelerator Program paying early each month. XXXX was the provider of EAP to XXXX. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that XXXX said I was bankrupt and to terminate the processes. XXXX did and did not pay XXXX any longer. I have received no communication from anyone on this. I was going to open a checking account at XXXX today and noticed that my mortgage had not been paid. I called and they said that XXXX  will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX  so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX  was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX   doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from XXXX as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX  did not use a human review process to read, only accept checked fields of bad records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : States no consumer reporting agency may make any Consumer Report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Bank account or service

On XXXX XXXX, 2017 I made a deposit at a Wells Fargo branch office. The deposit consisted of XXXX checks and XXXX money order : {$1100.00}, {$930.00} and the money order for {$600.00}. The total deposit was {$2600.00}. 
I did my account reconciliation on XXXX/XXXX/2017 and noticed that the bank had credited me to much money for that deposit. Apparently, they credited me XXXX for the {$1100.00} but nothing for the {$600.00} money order. Their records indicated a deposit amount of {$3200.00}. 
Thus, the bank credited me {$520.00} to much money. I called wells Fargo and told them they had credited me to much money. They thanked me and I thought that the issue was resolved. The reference # for this conversation was : XXXX. 
The issue was not resolved. 
First, I received an email then written confirmation that Wells was charging me {$12.00} for a returned check item for the {$1100.00}. Wells also immediately debited my account for that amount but did not credit me for the {$600.00} money order. 
I called them on XXXX/XXXX/2017 and Wells told me they understood the issue and someone would call me on Monday XXXX/XXXX/2017 to make sure I would be credited the {$600.00}. 
No one called me. 
I called on XXXX/XXXX/2017 and spoke to XXXX in the customer care department who gave me a case number of XXXX. She told me someone would call me back within 1 business day. No one called. 
I called on XXXX/XXXX/2017 and again spoke to XXXX in the same department who assured me this would be taken care of that day and that someone would call me. No one called. 
on XXXX/XXXX/2017 I called again and was routed to three different people ending up with XXXX ( direct # XXXX ) who told me she was working on this issue and would call me back. No one called me. 
All I want is to have the money order I deposited in the amount of {$600.00} credited to my account and Wells Fargo refuses to do this. Essentially, Wells Fargo has stolen {$600.00} from me. I have truly spent over 4.5 hours so far trying to resolve this issue. 
That 's what you get for trying to be an honest person. 
Can you help me. 

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

Loan Depot Mortgage was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. LD then returned these payments about 10 days after receipt. LD says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX faxed LD 2 official payment transmittals which clearly documented my timely payments, yet LD still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from Loan Depot in which LD confirms they received my payment on time but LD and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with LD and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Product: Credit card

Hello- on XXXX I entered into an agreement via my chase plan for a XXXX  month buy now pay later plan. The interest rate is 0 %. The total amount was for {$2900.00}. To date, I should only have paid one payment for XXXX plan payment. 

However, I have had two unrelated purchases refunded to my account. The refunds were for {$210.00} and {$15.00}. These refunds were applied to my chase plan and not the monthly balance therefore forcing me to pay the XXXX promotion early. I had no involvement in where the refunds were applied but because they were misapplied I am now being forced to make a higher payment for my interest saving balance. Or be charged interest unfairly. This is a deceitful and dishonest practice and I can not get help from Chase Customer Service. The third rep I spoke with agreed with me that this is not fair and also submitted a complaint. 

I have called three times and this last time I spoke to a supervisor who would not listen to the issue and instead accused me of not knowing what I was talking about. He was very rude, and did not give me the consumer credit protection agency phone number when I asked. I was also hung up on with no resolution. I did not once use bad language with him I just wanted to be heard. I still have gotten no help and need intervention. 

The supervisor tried to say that they are forced by the government to apply any payments above the minimum to higher interest balances which is also strange because the my chase plan is a 0 % interest but my monthly credit cards APR is 27 % so therefore the refunds should have went to the higher percentage balance. I would like to note that XXXX has the same types of offers and does work to allocate payments with their consumers so I know that it is something that can be done.
Product: Debt collection

I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my requests to investigate, verify and remove the account from my credit report that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today I discovered ( Negative credit item : XXXX XXXX XXXX for the amount of {$960.00} ) had been re-inserted into my credit file on XX/XX/XXXX and I did not receive notification. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion and certify that the information is correct. 

Also, two late payments with XXXX XXXX XXXX XXXX and two unauthorized inquiries ( XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ) were incorrectly added to my Equifax credit file.
Product: Credit reporting or other personal consumer reports

I have reached out to Innovis and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the XXXX standards, which mandate accuracy and completeness. According to XXXX guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the XXXX Format, I am requesting a thorough investigation into the following inaccurate items on my credit report. Accounts that need to be investigated are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My loan transferred from XXXX XXXX to NewRez LLC DBA Shellpoint mortgage on XX/XX/2023. Various transactions were applied upon boarding of the loan with the new servicer that improperly increased the loan balance by a significant amount by misapplying the order of historical payments/paydowns, making improper charges to fees/penalties, and booking payments already taken by the prior servicer.
Product: Checking or savings account

I attempted to open an account at XXXX XXXX XXXX on XX/XX/22, I received notification that they could not open an account for me due to a Chexsystems report. I pulled my consumer report from this company on XX/XX/22 through the website of Chexsystems  under consumer ID XXXX. It clearly states under reported information " No Information Found ''. Therefore, what negative information from Chexsystems prevented me from opening an account at the aforementioned business?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Mortgage

Our previous mortgage we refinanced in XX/XX/XXXX was serviced by Lakeview/XXXX. We had our property taxes escrowed with this mortgage and everything was fine for years. When the new loan began with Lakeview I tried to get property taxes escrowed again and its been a nightmare. They already had our county property tax details from our previous mortgage but still required me to send in current tax bill which I have done twice, have escalated the call to a supervisor named XXXX XXXX who now refuses to provide any updates or contact me back through phone or email. I received a letter from Lakeview which indicates an incorrect amount I am to be charged affective XX/XX/XXXX for my mortgage and XXXX confirmed it was inaccurate and would call me back - never heard from him again and this new mortgage amount is supposed to be active XX/XX/XXXX. They indicated in the letter that my monthly mortgage payment was going to be equal to the half yearly amount we owe for property tax I have been working on this issue since XX/XX/XXXX and I am not receiving anything close to normal customer service from this company and would like to see if you can assist? Please advise what other information I can submit. XXXX XXXX mobile XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX : # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX # XXXX, Account Name : XXXX # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding multiple unresolved and inaccurate items on my credit report, as well as the bureaus failure to respond to a prior dispute I submitted. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Below are the details of the items and reasons for my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Monthly payment amount discrepancy : Equifax lists it as {$1300.00}, whereas XXXX reports {$1100.00}. Balance discrepancy : Equifax reports {$140000.00}, but XXXX reports {$140000.00}. These discrepancies render the accounts reporting inaccurate and incomplete. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : A late payment is reported for XX/XX/XXXX. I request that Equifax contact the original creditor and verify this information. If it can not be verified, the late payment must be removed to reflect an on-time payment. XXXXXXXX XXXX XXXXXXXX XXXX Reference # XXXX : Equifax has failed to respond to my prior dispute regarding this public record. This bankruptcy is unverifiable and incomplete, as it does not include a date settled. Due to the lack of response and incomplete reporting, I demand the immediate and permanent removal of this XXXX XXXX XXXX  from my credit report. 4. Unrecognized Inquiries : The following inquiries are unauthorized and must be removed from my credit report : XXXX ( XX/XX/XXXX ).
Product: Mortgage

on approximately XX/XX/2021 a new company took over our mortgage. 
we made a single payment through our bank, the same way we have done for years. 
my XXXX XXXX/ Mr Cooper is the new company, we filed a complaint that they took out XXXX payments instead of 1. it took them nearly 1 entire month to refund us back XXXX dollars, a month later they charged us a refunding fee, {$15.00}. we complained several times but they just blow us off and never do anything. we would like our {$15.00} credited to our mortgage and any late fees associated buy the companies mistake, we would also like them to refund us for our insufficient funds fee of {$50.00}. this error was done by the company and not buy us.
Product: Mortgage

I have beyond a shadow of a doubt communicated to Chase Bank that my mortgage loan is under MY name ONLY the original co-signer XXXX XXXX ( XX/XX/XXXX ) has been deceased since XX/XX/XXXX and Chase told me and the CFPB!! that they updated the records to reflect this. My home is in a Trust and a Homestead under MY NAME ONLY his name was removed and the records were supposed to have been updated, but for some sick reason Chase Bank is STILL sending mailings to my home. Please stop the emotional abuse!!!!
Product: Mortgage

My husband and I were looking to apply for a home equity loan on our investment property. Region 's Bank online advertisement stated that home equity loans could be done on a first, second or investment home. We applied, never heard from lender on any decision, only to ask us to unlock our credit, and submit financial documentation, we submitted the requested loan documents and never heard from the bank. My husband and I reached out a week later to inquire on loan status and were told we were denied because they do not lend on investment property even though they had the application and knew the reason for the loan application. So Regions ran our credit and obtained all of our personal financial information knowing they weren't intending to approve this specific loan. There online advertisement was extremely misleading and was the reason we submitted the online application.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.