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

I sent all the verification documents the bank requested stating I was supposed to receive all the tax credits that I received I sent official documents from the IRS in addition to the verification documents from the tax preparation platform that I submitted on. Chase bank is violating my rights an providing me with no proof that the claims they are making are true. I have received no information from the Bank regarding the closure of my accounts as I have requested neither have I received any response from the IRS about my taxes.
Product: Debt collection

They have a collection report on my credit report I have sent 609 letters to the company and the credit bureau to get verification that the debt is mines and ut has been over 30 days and no one has responded to me, also the company is not licenses in the state of texas therefore they are not allowed to collect any debt from me, my texas identification number they have dont match my original id therefore they are also reporting false collection on my report
Product: Credit card

XXXX now known as Bill has suspended my account after one delinquent and this was paid off and they decided to keep my account suspended after they received their full payment despite my stellar payment relationship with them. This feels predatory as they were asking to verify all of my bank accounts before they will remove the suspension. This behavior does not seem financially ethical and has caused financial limitations on my business. I have had a great relationship with this business until now. They will also drop your credit limit for no reason other than they feel the need to. This is harmful for small businesses who rely on monthly capital through use of their XXXX/Bill account. I would like to resolve this but I feel unheard by this company.
Product: Credit card or prepaid card

Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.
Product: Credit reporting or other personal consumer reports

I checked my credit reports with XXXX, Trasunion and XXXX and notice multiple XXXX accounts, inquiries, and address on my credit file. I never applied for any XXXX  accounts and I Also never lived at those addresses. I attached a copy of my license, social security card and bank statement for proof of identity and address verification
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). File a complaint with the Consumer Financial Protection Bureau. 

( 3 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the account.
Product: Mortgage

I own a home in Fl. 
Nationstar Mtg billed my account erroneously {$340.00} for an inspection which I never ordered. They said it was for a late payment which never happened. There was an adjustment in interest rate which They held a payment and never credited my account until I brought it to there attention.
Product: Debt collection

In my last request I ask your company to send me real proof regarding the account listed here. You sent me a generic response and I have not received any real proof that this account belongs to me. I will ask for the last time to send me the following. 1. Copy of contract that I signed. 2 Full accounting history of this debt. 3.Every payment I made. 4.All interest of fees that were applied. Let me remind you failure to provide me with proof will be a violation of my rights according to the FCRA. This has caused extreme issues with my finances since you are reporting inaccurate information. Please review my information and delete these items from my credit report immediately.
Product: Mortgage

Chase took over my mortgage from another mortgage lender. 

XX/XX/XXXX my home was burglarized and vandalized. 
The burglars did serious damage to my roof to the point that the roof had to be replaced. 
My insurance company sent the roof repair money to XXXX, {$11000.00} onXX/XX/XXXX and {$33000.00} on XX/XX/XXXX for a total of {$44000.00}.

I have been trying most of this year to get Chase to  send me that money so I could get my roof replaced but they continue to refuse my request, saying I haven't sent them all of their required documents! 
Chase told me that I would have to pay for my new roof out of my pocket and when its is done they would send me my insurance money! 
Because of the lack of money, and as the home owner and a licensed XXXX I had to take out the City roofing/building permit myself and I sent a copy of the permit to Chase last XXXX with the information they wanted but Chase ignored my request and continued sending me form letters instead. My roof continued to leak, until I finally was able to install my new roof myself and the City passed it on XXXX, but Chase refused to release my insurance money again, demanding documents that I have already provided and sent to them and demanding documents that do not exist!

Because of Chase ignoring my letters and my request the my insurance repair money, additional water damage was done to my home in the amount of {$8300.00}, which Chase is responsible for, because of their refusal to answer my letters and release my insurance repair money!! 
XXXX, I received a unsigned letter from Chase stating, " We've closed your escrow account '', " We found that you aren't required to have an escrow account for your mortgage loan '', which included a check for {$400.00}, which I was told it was interest on the money that they were holding, ( I have no escrow account on my mortgage loan, only on the insurance repair money that Chase refuses to  release ). Even with the closing of the insurance escrow account, that Chase says that I do not need, Chase still refused to release my insurance repair money!! I wrote another letter to Chase about all of this but they never responded to any of my letters!

Last week I faxed Chase ten more documents that they demanded, but that was not enough, Chase demanded a signed estimate from me, which they already have, and a letter from my insurance company stating that the insurance repair money that Chase is holding is for the roof repairs, which again they already have!!!

Chase has less then a 20 % interest in my home,  what gives them the right to hold 100 % of that insurance repair money in the first place?? 

Chase has a copy of the Roofing/Building permit that was finaled and signed off by the City Building Inspector, so now Chase needs to send me my insurance Roof repair money, and they need to pay the {$8300.00} estimate for water damage that Chase is responsible for, because they refused to send me my insurance Roof repair money so I could stop the water leaks in my Roof!!!
Product: Debt collection

A debt collection company who identifies themselves as XXXX has been making several illegal robocalls to my cellphone and hasn't even sent me a validation letter. I've had no written. I have no idea what they are accusing me of owing them. I'm not aware of any possible debt that would be in collections. All I know is they have been sending robocalls to my cellphone without my permission. This began in XXXX and the last automated message was sent onXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Transunion inquiry issues. I have call to get these inquiries remove but Transunion customers service would not help me.The inquiries I will like to be remove is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

See several dispute letters ( uploaded ). Neither entity has responded to me as of yet and it has been more than the allowed 30 business days. Additionally, they sent me misleading & incongruent communication, then charged fees and interest on top of fees after they said they would close my account and they are still reporting me delinquent on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}
Product: Debt collection

I recently ran my credit report to discover why I was denied a loan and discovered there was an erroneously report debt by IC Systems regarding a charged off Debt with XXXX XXXX XXXX. I contacted IC Systems of XXXX XXXX, MN and was told by their rep XXXX, that XXXX XXXX XXXX initially reported the debt as paid, but was then told by XXXX XXXX XXXX that my bank reversed the payment to XXXX XXXX XXXX somewhere around XX/XX/XXXX. I pulled my bank Statement to investigate and found the information given to me by IC systems rep XXXX was incorrect as my bank statement reflects the payment was debited from my checking account. In addition, the amount IC systems reported on my credit report is inaccurate. In addition, I contacted XXXX XXXX XXXX regarding this false debt reported and found that I didn't owe them anything and that any outstanding amounts were paid ( XXXX XXXX XXXX is sending confirmation via mail as well ). As a matter of fact, I changed my cable service and internet to XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX rep confirmed that if I had any outstanding collection amounts owed to XXXX XXXX XXXX at that time, I would have been required to pay them up front before any new services was acquired. I contacted IC Systems again to inform them, and I sent documentation to prove this, and they could easily verify this information with XXXX XXXX XXXX, of which I believe that have not. I want this entry removed from my credit report and an apology sent to myself as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid for an appraisal that shouldn't have been necessary, due to being denied loan on information that they had been given from the very beginning. I informed them I was applying for loan under the Independent Administration of Estates Act, that the estate was split XXXX ways, and that under the XXXX had full authority to encumber estate. I also sent copy of my " letters of administration ''. This was all done on XX/XX/2022, after which i was told that my " paperwork was reviewed and looks all in order '', again on XXXX XXXX Credit was also checked and discussed during this period. On XX/XX/2022 was advised " a member of our team called a processor would review documents ''. On XX/XX/XXXX, paid appraisal fee. ON XX/XX/2022 I was denied loan on basis of, part 1,, " Unable to deliver clear title ''. I contend that that reason stated for loan denial, and them having been made aware of title situation from the very beginning, we should not have had to pay an appraisal fee, for a loan that knowingly would be denied. Documents were checked by 2 team members and sent to underwriting, without a clear title, THE document absolutely necessary for home to be used for collateral, on a XXXX  year mortgage loan. After contacting them and informing them that I intended to be made " whole '', and that all i needed was a yes/no answer as to paying me back the " unnecessary '' appraisal fee charged, the response was " probate has to finalized before we could get loan ''. Well, that's false, under the XXXX, with full authority, the administrator of an estate can sell or encumber real property, without court supervision, with consent from all interested parties. And even if true, they knew i was still in probate, and again would make need for an appraisal, irrelevant,
Product: Debt collection

XXXX has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well
Product: Credit reporting or other personal consumer reports

Equifax is breaking several federal laws by furnishing my consumer report with the following accounts. 

Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX XXXX XXXX Dates Opened : XX/XX/XXXXXXXX  Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX Dates Opened : XX/XX/XXXX ALL inquires need to be removed, they were NEVER authorized by me. Per 15 U.S, Code 1681b ( c ), a consumer reporting agency may not furnish a consumer report in connection with credit and insurance transactions that are not initiated by the consumer. There was no firm offer on credit or insurance in any of these inquires. These fraudulent unlawfully reported inquires are a result of identity theft that were not verified as required by law. 15 USC 1681b ( c ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reporting this collection/Charge-Off, late payment/other derogatory information in my consumer report is in violation of 26 U.S.Code ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. These accounts are showing adverse information on my consumer report which is negatively affecting my credit score which violates 15 U.S. Code 1681c. Equifax is violating my rights by disclosing my nonpublic personal information to third parties per 15 U.S. Code 6802. ( 17 CFR Part 248.1. Equifax never received written instructions from me to furnish these negative accounts which violates my rights per 15 U.S. Code 1681b. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transaction and experiences between me and Equifax which violates my rights per 15 U.S. Code 1681a. 

I sent Equifax a letter requesting removal of these accounts and inquiries XX/XX/XXXXXXXX  and nothing as been done. My credit score and consumer report affect my livelihood and ability to obtain necessities. If these accounts/inquiries are not removed in the timeline set by federal law, then I will be suing next for every violation.
Product: Debt collection

On XX/XX/XXXX I received a notice for {$140.00}. the very next day, I received another notice for {$180.00} there have been no rejected payments or issues on my account at all and the past due amount increased by {$45.00} overnight.
Product: Mortgage

I closed on a mortgage with Citizens bank over a month ago and they keep telling me that they have 'lost the loan ' and I need someone to actually 'find it ' and set it up so that I can start paying it back. Additionally they held back funds for me to complete landscaping outside my house and will not release them nor have they been able to get anyone out to review the completed work to release the funds.
Product: Credit card or prepaid card

I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a debt collector attempting to collect an debt. They have purposely reported fraudulent information to the credit bureaus each time I ask for a factual dispute. 
XXXX recently reported to Equifax that for two years straight I was an 120 late every month on payments. This is a charged off account and it is reporting as open missing the original creditor and also reporting a past due amount each month. This is against the FCRA regulations. I have disputed with the credit bureaus and the furnisher and each time they continue to report information incorrectly and worse than before. Equifax is not doing a proper investigation into the existing problem. 










XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXXXXXX XXXX : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$5400.00} No. of Months ( terms ) : XXXX High Credit : {$5400.00} Credit Limit : {$0.00} Past Due : {$5400.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Collection account Account previously in dispute - now resolved by data furnisher Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$110.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). 

XX/XX/XXXX XXXX : Account frozen and reported to Discover using the phone application ( business office ). Charges removed pending investigation. 


XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$69.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). Card was denied due to account being frozen. 

XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX : Account reflected {$110.00} reapplied to my account. Discover investigation showed that payments made to the account ( had balance on the account prior to this ), it was in a local area, and that I did not report until XX/XX/XXXX. Have messages of reporting dispute on XX/XX/XXXX, but Discover says it doesn't count because it was to the business office. Police Report filed, and spoke to XXXX which showed evidence that I did not make these purchases. Discover says they do not have to honor the {$50.00} liability because it is up to the company. 

Police Report through XXXX Police Department Forgery Department XXXX Case # XXXX
Product: Mortgage

On XX/XX/XXXX after nearly 6 months of unemployment I applied for mortgage forbearance with Roundpoint Mortgage, however shortly thereafter, I did receive an offer of employment and accepted the job. 

On XX/XX/XXXX, I was approved for forebearance for the months of XXXX, XXXX and XXXX. 

A Roundpoint Mortgage agent called me shortly thereafter to inform me that I was approved. I mentioned I just got a job and probably didn't need forbearance anymore. The Roundpoint Agent mentioned it was totally up to me if I wanted to accept forbearance or not. I asked the agent how the 3 months would be repaid, the agent mentioned that those 3 payments are usually 'tacked ' on to the end of a mortgage and are paid off after the mortgage itself is complete.

I asked the Roundpoint agent if this would affect my credit score- they assured me ( at least twice ) that it absolutely would not affect my credit score. I even mentioned to the agent that I was not interested if this in anyway would affect my credit. They again assured me that it would not affect my credit score.

The Roundpoint agent mentioned accepting forbearance would probably be useful given the time of year ( XXXX ). 


When I asked the Roundpoint agent what I needed to do to 'accept ' the forbearance they mentioned that all I would need to do is simply resume my normal mortgage payments XX/XX/XXXX. 



I paid mortgage for XXXX and decided per the Roundpoint Agents ' advice to take the forbearance for the months of XXXX and XXXX. 


Per the Roundpoint agents instructions, I resumed my normal mortgage payments in XXXX. However on XX/XX/XXXX, I come to find out that Roundpoint Mortgage submitted a 60 day delinquincy report to XXXX on XX/XX/XXXX! 




I reached out Roundpoint 's Customer Service department XX/XX/XXXX to open an 'escalation ' ( an issue opened by a Roundpoint agent ). The results of the investigation was that 'credit was accurately reported '. I was informed by customer service that I should write a letter to XXXX and explain the situation. I wrote and sent this letter on XX/XX/XXXX, however, the response was 'the account was accurately reported as 60-days past due '.