23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 to the CEO of Bank of America XXXX XXXX XXXX XXXX Included with my remittance coupon was a remittance letter stating that I was aware that Bank of America has been double dipping on my payments, XXXX being from my personal bank account through an electronic payment method and the other via my XXXX XXXX XXXX trust named after myself. The remittance coupon IS the payment that Bank of America is using to access the funds in my trust AND they were taking my hard earned income. 

The coupon is the negotiable instrument, per UCC 3-104 and by definition from XXXX 's XXXX XXXX, which was accepted by Bank of America via the Postal Rule and was received by XXXX XXXX on XX/XX/2022. The value of coupon was written " Full Balance '' for the total sum of {$7300.00}. Included on the money order was this hand written information : UCC 3-603 and UCC 3-311 . 

I called customer service on XX/XX/2022 noting that my balance had not been discharged for the above mentioned amount. I was shuffled to XXXX different individuals who could not provide remedy to my situation. They did state that they could not find my payment and would open a case. The case # is : XXXX. 

In addition, on XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 and UCC 1-308 to the payment processing center in XXXX, Texas. Included with my remittance coupon was a remittance letter stating the definition of a coupon per XXXX 's XXXX XXXX. The definition states : A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Once again, I called customer service on or thereabouts XX/XX/2022. And again, the customer service rep could not find my remittance coupon which was converted to a money order via my beneficiary signature without recourse. The value of coupon/money order was {$5000.00}. 

The coupon/letter was received on XX/XX/2022 by XXXX XXXX XXXX Included on the money order was this hand written information : UCC 3-104, UCC 3-603 , UCC 1-308, UCC 3-419, HJR 192, 12 USC 411, and 18 USC 8. 

To this date my balance has not been discharged for the above mentioned amount. I have tried on XXXX separate occasions to pay and/or discharge my credit card account via acceptance for value using the attached negotiable instrument, the coupon.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX 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 reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX. XXXX SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I told the collection agency that this debt isn't mine and requested they validate/verify the debt with a signed contract binding me to the debt. That have not verified the debt. They told me over the phone that they didn't have a signed contract legally binding me to the debt. It was a woman that I spoke with. She reiterated to me over the phone twice that they didn't have such evidence. 

XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.
Product: Credit reporting

EQUIFAX fails to remove the XXXX Mortgage Serv account information. EQUIFAX reports incorrectly the account is 120+ DAYS PAST DUE. EQUIFAX reports incorrectly the AMOUNT PAST DUE is {$18000.00}. EQUIFAX reports incorrectly the BALANCE IS XXXX.EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

RE : Immediate Removal of Inaccurate Reporting and Violation of Consumer Laws Account Number:XXXX  Dear SELF FINANCIAL/LEAD BANK * I am writing to formally address the glaring inaccuracies in the reporting of my account with SELF LEAD BANK. After reviewing the details of my account, it is clear that you are in violation of several consumer protection laws, specifically regarding the inaccurate reporting of my last payment as a positive payment in XX/XX/year>. 
* The report you provided falsely indicates that my last payment was made in XX/XX/year>, and even worse, it categorizes this payment as a positive payment. This is a blatant misrepresentation of my payment history and an obvious violation of the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically Section 1681s-2, mandates that all creditors must report accurate information to the credit bureaus. By inaccurately reporting this payment as positive, you have clearly failed to meet your obligations under the law. 
* Here are the facts : the last payment on my account was not made in XX/XX/year>, and the payment history on your records is not an accurate reflection of the actual status of the account. By reporting it as positive, you have misleadingly painted an inaccurate picture of my payment history, which is severely damaging my credit and misinforming potential creditors or anyone reviewing my credit report. 
* Furthermore, under the Fair Credit Reporting Act ( FCRA ) Section 1681i, if a consumer disputes inaccurate information, the creditor must conduct a reasonable investigation and make necessary corrections. Your failure to conduct a proper investigation and failure to correct this misreporting when the issue was first raised shows a clear disregard for consumer protections.

* I also want to remind you that Section 1681s-2 of the FCRA requires creditors to ensure that all information reported is complete and accurate. Your failure to properly report the payment status and misclassifying a payment as positive when it was not constitutes a clear violation of this law. 
* I am demanding the following actions be taken immediately : * Removal of the inaccurate and misleading positive payment report for XX/XX/year> from my credit history with all bureaus.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My recent credit report review showed accounts I believe were added without authorization. Prompt removal and blocking of these fraudulent accounts is requested.
Product: Vehicle loan or lease

In the face of a global pandemic my auto finance company is the only company trying to charge daily late fees. My job is new and Im playing catch up with everything. The payment they are adding fees to is in the mail and they should have it soon.
Product: Debt collection

I have sent proof of a police report as well as a copy of my identity theft report with the FDICs d they refused to recognize them and has put it on my credit report
Product: Checking or savings account

Regions Bank Complaint : I opened up a savings account with Regions Bank via Customer Service on or about XX/XX/2024. As requested, I went inside a Branch Office ( XXXX XXXX  ) on XX/XX/2024 to verify identity and submit a Signature Card. This process was supposedly completed XXXX XXXX the XXXX XXXX. However, as of XX/XX/2024, there was some type of restriction placed by Regions where I could not withdraw my own money from my savings account. My other accounts were not affected. On XX/XX/XXXX, I call customer service, they advised me that they were submitting a ticket to research and or remove the restriction. I went to the local branch in XXXX XXXX, XXXX thinking I could withdraw some money. They said I couldnt withdraw any money from the savings account and suggested that I call XXXX at the XXXX location. I called XXXX on XX/XX/2024. She said that she would submit another ticket. XXXX had me on hold for over an hour and I eventually hung up. They could not provide a valid explanation on why a hold and or restriction was placed on that one account where i deposit cash in to open it. I went through and passed their verification process. I want to report Regions Bank unfair practices and lack of customer service. They made no escalated attempts to resolve this matter so I could have assess to my funds. They have caused me a great hardship! When they finally took the restriction off they did not explain or apologize for restricting me since XX/XX/XXXX from withdrawing my funds when needed.
Product: Credit reporting or other personal consumer reports

Regarding my previous complaint number : XXXX with the CFPB My credit report is reporting multiple false and incorrect facts that don't match up with other agencies.These companies are failing to report maximum accuracy. 
Equifax XXXX XXXX Account Type : Installment Issues with Previous Investigation : I strongly disagree with the outcome of the prior review. The information in question remains inaccurate, incomplete, and injurious to my credit profile. As a result, I am requesting an immediate reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611.

Requested Actions : 1. Remove this account from my credit report as it has not been properly verified.

2. Provide the names and business addresses of each individual or entity with whom you have verified this account so that I may follow up.

3.Send an updated copy of my credit report reflecting the results of your reinvestigation. 

I appreciate your prompt attention to this matter and expect a written response confirming the actions taken within 30 days as required by law. 




I request the following actions : removal of this account from my credit report and or In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you have verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 4 accounts opened by XXXX XXXX in the amounts of {$590.00}, {$490.00}, {$220.00}, and {$130.00} and they have reported them as having late payments which is not true. I opened a dispute by mailing a certified letter to Experian on XX/XX/22. In said letter I asked them to investigate the false late payments information on my credit report and to mail me back proof of late payments and in response Experian responded on there app that the info had been verified, but provided no evidence or proof or how they even verified the information. I am asking that these 4 accounts be updated to Paid on time. I have since payed these loans because I didnt want them to effect my credit anymore but I need these false late payments removed from my report.
Product: Debt collection

Monday XX/XX/XXXX I received a phone call from a person at Continental Credit Control informing me she was a collection agency attempting to collect a debt on behalf of XXXX XXXX  from XX/XX/XXXX. I informed her we had not ignored any bills and pay everything immediately after we receive them so there can't be a past due bill. I requested she send me an itemized statement so I can see what she's talking about. She claimed notices had gone out to My address with no response. I told her no way, nothing has changed for me, and I have not received anything from them. When I arrived home in the mail was a notice from Continental Collection Agency in the amount of {$160.00}. There was a ten percent interest charge included in the total of {$35.00}. I immediately called my insurance company to see if they paid the claim back in XXXX thinking maybe I misplaced the EOB and never received a bill. My insurance, XXXX has never been billed for the service either. They even checked to see if the claim was sent and rejected it for some reason and they never sent it again. There is no record of this service with my insurance at all. More perplexing is how XXXX XXXX/XXXX came up with a charge for the service since they are an in network provider with XXXX and they would bill me the difference of the contracted price based on my plan after XXXX paid. Even the XXXX claims specialist said it's impossible to speculate exactly what this amount would be without an actual claim. When I called Continental Credit Control to explain they need to bill my insurance and then bill me the difference of the contracted price, I was informed they don't deal with insurance companies. I explained I understand this but clearly XXXX XXXX has made a mistake. I was told to write an appeal and send it to them and they'll consider it. Otherwise it will go on my credit. 

This is wrong. I've spent the entire afternoon on this. 

Thank You
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with Equifax, XXXX, and XXXX. Despite my efforts, they continue to report inaccurate details on several accounts. 

XXXX account I have specifically disputed is with XXXX XXXX XXXX. Equifax, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of Equifaxs latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

XXXX is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both Equifax and XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX are also inaccurately reported across all three credit bureaus. I have contacted Equifax, XXXX, and XXXX multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Product: Checking or savings account

My account was hacked, an unauthorized user got in and changed the phone number and password at roughly XXXX XXXX in the morning. They then transferred all of my funds into a different Chime account. I do not know any of the other parties involved, this was done without my knowledge and 100 % without my authorization. I contacted Chime the next morning the moment I saw what happened and filed a dispute. After XXXX days I received an email saying there was " no error ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transact

ion ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B
of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information Experian : 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 reporting or other personal consumer reports

XX/XX/year> XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from XXXXXXXX XXXX XXXX XXXXXXXX through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : 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: Money transfer, virtual currency, or money service

Ive had issues with XXXX from sending and receiving XXXX, sent money to the wrong person more than once never was refunded then I received a XXXX once and my account was completely blocked so I can no longer use XXXX
Product: Debt collection

As of XXXX XXXX l notice of a new closed account from XXXX XXXX XXXX XXXX XXXX 
l notice that the account that l was trying to dispute was already closed. 
And a new update was made in XXXX XXXX the account was previously closed in XXXX XXXX So, my credit points started coming down more points than l has build in a year. 
All the other companies ' points are above XXXX and XXXX but XXXX is below XXXX. 
l tries talking to the agency and they are repeating updating my account who reflex my points to fall below XXXX. 
i have a copy of report mail out in XX/XX/2023 with proofs my statement.