23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I DID A COMPLIANT WITH CHASE THEY STILL ARE HOLDING MY MONEY THE ACCOUTANT EXCECTIVE WHO OPEN MY BUSINESS ACCOUNT OPEN IT WITH MY EIN NUMBER INSTEAD OF MY SOCIAL FOR THAT REASON THEY CLOSED MY ACCOUNT BUT REFUSED TO GIVE ME MY MONEY BECAUSE OF THE SOCIAL I PROVIDED MY ORGINIAL SOCIAL SECURITY MY BIRTH CERTIFICATE MY PASSPORT MY DRIVER 'S LICENSE AND ALL MY DOCUMENTS TO PROVE THAT MY SOCIAL IS CORRECT NOW THEY ARE ASKING FOR A COPY OF MY NEW SOCIAL WHICH I DONT HAVE A NEW SOCIAL I ONLY HAVE THE SOCIAL PROVIDED TO ME AT BIRTH THIS HAVE BEEN GOING ON FOR 2 MONTHS NOW AND NO RESOLUTION..
Product: Mortgage

Bought home with XXXX in XXXX of XXXX. Set the house in the land in XXXX in XXXX. Had the house with XXXX for 1 year was then moved to Vanderbilt with no notice. Vanderbilt called and stated they needed payment. I reached out to XXXX as I had already paid. XXXX  proceeded to tell me they were no longer my financier but Vanderbilt was. Questioned Vanderbilt, wanted to know how that was possible. XXXX proceeded to tell me they split notes into two different companies and could not keep my note anymore. Ask if there was any documents I needed as I did not know how to pay Vanderbilt. Asked Vanderbilt for paper work to pay them. Vanderbilt then sent me a letter saying they needed payment and how to pay. Was shown the amount owed, called and the total loan amount went up by {$20000.00}. Could not split payments with Vanderbilt, there was no option for payment arrangements. From the new {$20000.00} addition the amount skyrocketed to another additional {$24000.00} my interest rate was raised tremendously. I was then served with paperwork stating I had one month to leave the house. This was received XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with XXXX XXXX and LVNV. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies XXXX XXXX has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to XXXX XXXX and LVNV asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Product: Mortgage

For the past month I have been trying to get Chase bank to report the payment history on my mortgage to the credit bureaus. You have refused to do this because they think that the mortgage is being handled through Chapter XXXX bankruptcy. They seem to ignore that the monthly payments come directly from me and not from the Chapter XXXX Trustee. 

The fact is that this mortgage was subject to a lawsuit that was settled in XXXX 2016. This has  nothing to do with the bankruptcy. A copy of the settlement agreement is attached. 

I have mailed and faxed numerous documents to Chase Bank. They ca n't seem to make a decision. The person I last spoke to though that I had filed a new lawsuit against Chase. Someone else must have thought that I had requested mortgage assistance because yesterday I received an application for that in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This law Company, used to be Pressler and Pressler, now it is Pressler and other Lawyers, Felt and Warshaw. For years this man Pressler has harrassed me numerous times for about five years now. I had a couple of charge offs from credit cards. He goes out of his way to buy or whatever they do with these charge offs, and come after me to collect. I have talked them each and every time they did this that I am a senior in XXXX, fixed income and can not pay these charge off credit card. They were like 300, to 500 dollars. About time he got finished with them, the amount drastically went up. Every where I move to because of health issues this Pressler person contacts me, and tries to take me to court. What he is doing is against the law. I have rights, because I am a senior does not mean I am stupid. Then he States it will be on my record for twenty years. That is illegal and so his his harassment. I want it to stop! He uses other company 's website the lastest is XXXX XXXX. You people here seem to do nothing. If this is not solved I will have to contact the Attorney General here in NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

A glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing me.
Product: Checking or savings account

My name is XXXX XXXX please add this new issue complaint to XXXX XXXX I need claim number XXXX transaction date XXXX transaction name is XXXX XXXX XXXX sent on amount is {$200.00} I need to appeal this denied claim number for {$200.00} claim number is XXXX because I disagree with the decision because I never received the service for it and I contact XXXX to see if they can help me get my money back but they say I will have to contact my bank to dispute it etc. 
When you yall appeal the decision to have them reopen the claim to investigate again it tell them this to put credit reserved on hold for XXXX tell them don't take it out of account on XXXX put it on hold until the investigation is done and for the dispute claim type it was disputed wrong it was supposed be disputed as never received service not dispute as Different service But when I called back in the same day after I file it to confirm the dispute type the lady agent told me it was filed as different service not service not received and I told her I told the last agent to dispute it as service not received and she told me she will note down on my account and dispute claim history comment as a statement I called in saying it was supposed to be for service not received etc I want y'all to reopen the dispute claim and investigate it again or reinvestigate it again and change the dispute type to service not received and appeal it etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

About XXXX  months ago I chose to freeze my credit report information with all XXXX repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a XXXX with XXXX Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the XXXX  immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX XXXX Bank began to report to the XXXX repositories a 'Remarks ' coded as XXXX which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from XXXX Bank telling me my XXXX was suspended nor was there any reason to Suspend a XXXX that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late XXXX because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to XXXX Bank to find out why they were coding my XXXX quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all XXXXs. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, XXXX sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks XXXX is what I asked to have removed. The repositories consider this Adverse Information.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXX Balance Owed : {$44000.00}.
Product: Mortgage

This company is extremely hard to get in touch with and very unprofessional. Every time I sent an email, they only sent a generic letter in the mail saying they will review within 30 days. Well that hasnt been the case. I have called numerous times and their employees are rude and do not help. They give you the run around and blind transfer calls a lot to other departments that just arent willing to give any help, answers, or advice. My husband and I have been trying to reach out to Selene Finance who recently took over our mortage for the last few months. The reason we are trying to reach out is because the escrow analysis we received, we were told by a representative has errors. This company is trying to inscrease my monthly payments by {$500.00}. My mortage is already over {$5000.00}. Another {$500.00} on top of that seems ridiculous especially since our insurance has not increased and our taxes only increased by a little bit. I have explained alll of this to multiple representatives. I even spoke to one representative XXXX that told me if I want to file a complaint I should do so on XX/XX/2019, I was very upset, she showed no empathy and even raised her voice shouting at me. I also spoke to a representative by the name of XXXX ( I believe her name was ) in the middle of the day on XX/XX/2019 as well, and she worked in the tax department from what she told me. I was told my problem was going to get escalated so that the tax department can do another escrow analysis and my matter was suppose to get reviewed within 7 days. Well today was the 7th day and I have not received one phone call or email in regards to my issue. Its been very frustrating. I have left numerous callbacks for these representatives supervisors and not one of received. When asking for a supervisor they always say there is none here at the moment, or they are at lunch or gone for the day. Not being able to get any real answers from this company that has no problem sending you your monthly mortage bill and email reminders about payments is really unfair. They are pretty much ignoring my issue and has no regard or interest in getting it resolved. Every single time I call about this escrow analysis issue their representatives each tell me different information. How can one person tell me the tax dept is who I need to speak with, then when speaking to a rep in that department they tell me I need customer service and they can not help me. I just need someone to take this seriously. My husband and I have been making their ridiculous payments. I need this resolved as soon as possible. I have run out of patience. Please help.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXXXXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. And You are violating my rights! by reporting these accounts on my report I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action
Product: Mortgage

Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded to me.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear Experian, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a {$100.00} payment on XX/XX/2023 to the Bank of America address on the bill. Bank of America cashed the check but never credited my bill. I contacted B of A twice : XX/XX/2023 and XX/XX/2023. Each time they sent a letter saying they could not resolve the issue. The proof, the check cashed by B of A on XX/XX/2023 is attached here. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am aggravated! I have tried to be patient but it is very difficult to be patient when you feel that you are constantly being ignored by someone. I think you forget that I am the consumer according! " 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The banking system is dependent on the fair and accuracy reporting of consumer agencies. When you fail to do your job not only does it hurt me but it also affects the banking system. The banking system makes money by lending to consumers like me. I have reached out several times complaining about the inaccurate items on my consumer report. Well I am finish complaining. I demand you remove these inaccurate items or I will seek litigation for all of the violations and for the pain you guys have caused me by ruining my reputation by reporting inaccurate items. Also I have provided evidence countless of times to prove that I am in fact a victim of XXXX  Data Breach!
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to MUFG UNION Bank NA with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

XXXX : date : XX/XX/2023 Company : XXXX XXXX XXXX Type : XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX phone : XXXX
Product: Debt collection

I got a call from XXXX at ADR Billing, LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Said they were filing a judgment against me for a payday loan from XX/XX/2013 from XXXX XXXX XXXX, account number XXXX and balance due of {$1800.00}. I am not familiar with this claim and have asked them to send me something in writing as i believe this is fraud, and they said no and that I have to pay them.