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

I recently reviewed my credit report and notice some fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$260.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Bank account or service

I was discriminated against by the Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX. I was incorrectly told by the Chase banker that a XXXX XXXX XXXX XXXX is required to open a checking account. My husband called the Chase customer service phone number and spoke to a Chase telephone customer service representative named XXXX who informed him that a XXXX XXXX is not required to open a Chase checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX XXXX XXXX XXXXXXXX, and ChexSystems are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks XXXX XXXX XXXX places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Product: Mortgage

This is a crazy story but Wells Fargo went well beyond to steal this home from me. They foreclosed on me in XX/XX/2015. First being a combat wounded veterans I was going through a ton of XXXX XXXX and on over XXXX XXXX and considered XXXX XXXX XXXX.

Wells Fargo stopped accepting my XXXX home insurance and I was never notified so they brought on their own company causing my mortgage to increase by several hundred dollars. I had a rentor in my home paying the bank directly since I was not able to not knowing the increase in the mortgage. Well when I was healthy enough I tried to apply for mortgage assistance and Wells Fargo flat out refused. I ask for help from the VA leaving countless messages and they never helped to intervene. Giving the circumstances I feel Wells Fargo used my XXXX  against me to acquire this home which was the only home in the neighborhood with an extra plot of land 1/2 acre of land vs a small backyard. It was the most valuable home in the neighborhood. In addition, every mortgage payment I tried to make to catch up, they just returned back to Me which was even more weird. I feel they were trying their best to forcefully take the house away from me and in the end, they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS : XXXX Amount {$1400.00} Open XXXX XXXX XXXX XXXXXXXX Amount XXXX {$900.00} XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXX XXXX XXXX XXXX Amount {$1000.00} XXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}
Product: Prepaid card

Someone use my information got a card information did not match on record. Had to identify myself multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed my credit score from Transunion dropped by 14 points. My student loan balance dropped but that should not impact my score. Due to COVID19 I am taking advantage of the CARE Act emergency forbearance but this also should not impact my credit score per the act below : Section 3513 of the Stimulus Package : 19 ( d ) REPORTING TO CONSUMER REPORTING AGEN20 CIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

I filed a dispute with Transunion and it appears my Lender XXXX has marked the account as in forbearance. However, per the CARE Act this should have no impact on my credit score. 

It appears other borrowers have had a similar experience and some credit bureaus are readjusting the scores.
Product: Mortgage

Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. 

On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. 

The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.
Product: Mortgage

My mortgage was recently transferred to NewRez LLC. Twice in the 6 months they have been servicing my mortgage they have taken unauthorized disbursements from my esrow account to make payments that are unnecessary and unauthorized. The most recent one occurred on XX/XX/2021. As of this moment they have not reversed the charge and my escrow account is missing {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX  account ( XXXX ) was determined to be sent to a collection agency ( ad astra recovery services inc ) that does not have the proper permits to collect debt in the state of Texas, the collection account from ad astra recovery service originated by XXXX XXXX  is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted speedy cash and also ad astra recovery services and requested this information to be verified, removed and updated. they declined.
Product: Credit card or prepaid card

A 30-day late fee was place on my credit report with Capital One. They stated that they did not receive sufficient funds from my bank XXXX XXXX XXXX XXXX XX/XX/2019. My bank has sent a letter to them disputing this and informing them that sufficient funds were available during the time they attempt to collect the payment. Capital one will not resolve this and remove the negative mark on my credit or correct it.
Product: Mortgage

There are XXXX separate companies involved for this complaint. Numerous request have been made to all three companies to close my escrow account and refund my money, to that I can pay my taxes and insurance myself. 
XXXX. Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, severely misapplied payments on my mortgage account. 
XXXX XXXX XXXX XXXX XXXX XXXX ( not recorded on my property deed ) supposedly received my loan from XXXX, effective XX/XX/2022. Payment was made to XXXX XXXX XXXX on XX/XX/2022 for XX/XX/2022 XXXX & I, only. XXXX XXXX XXXX XXXX XXXX received my XX/XX/2022 XXXX & I only payment via bill pay, and received my XX/XX/2022 XXXX & I only payment by money order. but did not apply my payment for XX/XX/2022 Principal and Interest, Only. 
XXXX. Fay Servicing , LLC who is also not recorded on my property deed, is harassing me with threatening letters and payment statements. 
A written request to close my escrow account and refund to XXXX XXXX XXXX XXXX XXXX Subsequently a written request was also sent to Fay Servicing , LLC. 
A phone request was made on XX/XX/2022 to close my escrow with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. A Fay Servicing , LLC representative stated by phone, that there is no way to speak with anyone in the escrow department, as they do not have phones, nor take calls. 
XXXX. Fay Servicing , LLC representatives stated by phone, that there is no place for me to take my mortgage payments to in person. 

Fay Servicing , LLC is attempting to threaten me with foreclosure proceedings, even with proof of payment for XX/XX/2022. They ( company and their representatives ) are trying to bully me into paying them, causing me unnecessary mental stress and emotional discomfort. 
Neither Fay Servicing , LLC nor XXXX XXXX A as trustee for XXXX are recorded on my property deed. 
XXXX. Not only have my mortgage payments been made on time, before the due date, I have paid more than the monthly mortgage amount, for over XXXX years. 
XXXX. Fay Servicing , LLC has multiple return addresses and XXXX XXXX XXXX ( IL, TN, TX, CA ), but I have no way to walk my payments for Principal and Interest Only into a XXXX XXXX, in order to make sure my payment is applied correctly.
Product: Credit reporting

Equifax keeps reporting my address incorrectly. I have sent them letters stating my address is XXXX XXXX XXXX, XXXX, NJ XXXX and NOT XXXX XXXX XXXX, XXXX, NJ XXXX.LOOK AT LAST PAGE OF ATTACHED CREDIT REPORT. Where are they getting their information from. How can i rely on the other information on my credit report like the XXXX XXXX account being reported correctly or the XXXX credit account which I asked for validation and payment history several times. Should those accounts be deleted also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, EXPERIAN AND XXXX CREDIT reports as well late payments reported in XXXX, EXPERIAN AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference
Product: Credit card

Capital One has refused to credit my account and have rebilled my account for erroneous charges. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ; ... XXXX {$89.00}. Open Drawer XX/XX/2016 INTEREST CHARGE : PURCHASES Interest Charge ... XXXX {$63.00}. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ... XXXX {$86.00}. XX/XX/2016 Merchandise TRANSACTION REBILL Merchandise ... XXXX {$170.00}. All these charges have been rebilled to me and they have applied interest to my account for about {$340.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. 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.
Product: Mortgage

On XX/XX/XXXX i made a {$2500.00} payment from my bank of America checking to my Bank of America mortgage. it was an electronic payment that went through and the {$2500.00} was deducted from my checking account ( confirmation # XXXX ). Two weeks later i receive a notice in the mail that my mortgage payment is late. The funds were never applied to my mortgage. After trying for hours and then days to reach anyone that could help me, i decided i should go ahead and make a second payment so that i was no longer showing late. I made that payment from my savings account ( confirmation # XXXX ). It is now XX/XX/XXXX and i can not even get anyone to respond to my questions. I made an appointment at a local branch. They told me they can not get through to their mortgage department either. I had a " We Can Deliver '' submitted, over a week ago and no one has responded, and i have held for hours and finally connected with customer service only to have them tell me that they can not see how to fix the problem even though they all acknowledge the money appears to be gone. After three weeks, i need help. This is {$2500.00} that I am out and they have not even offered to credit my account back.
Product: Checking or savings account

On XX/XX/23, I've tried using my Discover card via ATM and couldn't get cash. I've been trying to use XXXX XXXX as I always do, and have also had problems accessing my money. I have not been able to purchase grocery or get an XXXX when needed over the past week. I need help immediately and the only thing this bank is saying is that they are aware of the issue and that they are working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

Experian has dragged there foot and neglected my rights and about what they law allows and doesnt they choose not to follow or uphold certain policies and rules there refusal of removing inaccurate information from my consumer report is a clear violation, its illegal there still working on it approach is not acceptable either your going to follow the law or your not I have disputed these accounts several times but no-one cares about what the IRS says or Cornell Law either or what can and what can not be furnished upon a consumer report. Experian the entity is a crook I need your help to step in to right the wrongs Cfpb. The accounts in question are ILLEGAL LATE PAYMENT REPORTING : 15 USC 1681A ( 2 ) ( a ) Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report., or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, Consumer law prohibits this type of reporting, the listed accounts below are to be Deleted and Removed from my Consumer Profile asap. I did not give written permission to report anything to my consumer report and they did not have Permissible Purpose by law to furnish any private or personal information to any Third-Party Reporting Agencies 15 USC 1681b2 and 15 USC 1681b and by me not given them written permission that is Identity-Theft pursuant 18 USC 1028A XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX if you look at the date payed XX/XX/XXXX its reported on my consumer report as the date that its saying 30 days late make it make sense how could it be payed and late on the same date after the last payment I closed the account inaccurate reporting information that they dont even have the right to report XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX BY LAW 15 USC 1681A ( 2 ) ( a ) Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report., or how about NONE OF THESE ACCOUNTS ARE LEGAL BY LAW AND SHOULD NOT BE REPORTING ON MY CONSUMER REPORT
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$1300.00}. It was paid to Chase Slate Visa Credit Card XX/XX/XXXX and XX/XX/XXXX. In total they charged me {$1300.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.