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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I paid this loan off in full on XX/XX/XXXX. I received a receipt but not a pay off letter. I then received a letter in the mail in XXXX of XXXX saying that this debt had been sent over to a another collection agency. I contacted money key and they said they couldn't help me because I had to speak with the collection agency. The collection agency was less than helpful. So I contacted the creditor that the money was paid to. They sent me a paid in full letter. However they keep sending the debt to different collection agency to try and collect more. I need this to stop as it is affecting my credit and reputation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is reporting inaccurate information on credit report the account was charged off originally in XX/XX/XXXX and showing a new, paid it in full XX/XX/XXXX, the account is only showing charged off for XX/XX/XXXX that is not correct .this is not showing the aged charge of so it can be removed from my credit report correctly in 7 years.
Product: Debt collection

DEBT WAS NOT DELETED ONCE PAID AS AGREED UPON
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Equifax and TransUnion are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hi I already have a dispute submitted with the CFPB ( Complaint ID : XXXX ) in regards with Bank of America , due to a deposit not going through due to a faulty ATM machine at the their location XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/2021 around XXXX. I submitted XXXX in their ATM ( there was no suction noise the money simply just " fell '' inside ) after that the machine froze and " spat '' out XXXX dollars back and the ATM had shown that XXXX was deposited. Attached within this email is Bank of America 's decisions to deduct the credit that was given, which will be deducted on XX/XX/2021. A few details I'd like to mention like to mention ; that no receipt was given, the ATM machine kept freezing, there was no suction sound when the cash slot opened, the machine in reference is the machine outside of their business ( there are only two machines one is for pedestrians by foot and the other a drive-thru, XXXX XXXX XXXX XXXX ) I also found a near identical case to what happened to me that day, that happened to someone else hopefully this can shed some clarity to the events that transpired to me for whomever is reading. I just want the money I lost. I'd like to thank you in advance for your help. 
The link is : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter at the end of XXXX saying my account was on hold due to a problem with my address. My business performs real estate transactions and has always, since XXXX had a po box address. Apparently Chase suddenly decided this was an issue. 
I made multiple trips to the branch office in XXXX on the XXXX, XXXX and XXXX. The banker who tried to assist me could not even correctly upload the documents Chase was demanding to prove a brick and mortar address which my business does not have. Chase forced me to attach my home address to the business account which is incorrect. 
after many branch visits, calls to my personal banker ( I am a private client ) and many calls back and forth I was told the issue was resolved. Then on XX/XX/XXXX i received what appears to be a phishing notice telling me there was fraud on my account. I did not click but instead called Chase who told me my account was restricted.

after waiting over ten minutes i was disconnected, then I called again and after 84 minutes i was disconnected again, still with no way to resolve my issue. after another 57 minute call i was able to escalate to executive level customer service. They called back with a vm to say someone was looking into it. after another full week went by and 3 follow up calls to XXXX and a visit to my personal banker they finally called back to say there was some form that had to be filled out in the branch. I did this. At that time no one could still tell me if the account issue was resolved. Chase continued to bounce checks and return payments. I called again 3 or 4 more times trying to escalate. As of XX/XX/XXXX i finally got a call back from manager XXXX XXXX at XXXX est saying that the account was resolved. it is absolutely inexcusable the unnecessary and unwarranted damage they did to my reputation over an obscure federal ruling no one can tell me anything about. and even more unforgiveable that they allowed it to continue, not notifying me that there was an ongoing issue and refusing to return calls. 
I will never do business on any level with this institution again.
Product: Debt collection

I paid a settlement agreement with this lender on XX/XX/2022. They are still showing the account as active with a past due amount on my credit report. I've requested this information to be updated as paid and updated on my credit report with no success.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

These accounts are not XXXX  XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires credit reporting companies, like XXXX, to use reasonable procedures to ensure the accuracy of consumer credit reports. 



The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies ( CRAs ) like XXXX, and requires them to follow reasonable procedures to ensure maximum accuracy in credit reports. 



The Fair Credit Reporting Act ( FCRA ) requires nationwide credit reporting agencies ( CRAs ) like Equifax to investigate and correct inaccurate information on credit reports within 30 days of a consumer dispute. 



However, after verifying my most current credit report, the revised information is beyond wrong. The information is as follows. Last Verified : XXXX XX/XX/XXXX ; XXXX no record, Equifax no record. Date of last activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX Creditor Remarks : XXXX : Charged off as bad debt. Canceled by credit grantor, XXXX The account has been closed due to inactivity. Unpaid balances are reported as losses by the credit grantor. EquifaxCharged off account. Accounts closed by the credit grantor. The Fair Credit Reporting Act ( FCRA ). Getting the late payment erased is dependent on its accuracy. DELETE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim Of Identity theft with These Accounts XXXX XXXX  open Dates XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open
Product: Debt collection

I have two collection accounts that do not belong to me. These accounts were open in XXXX, Kentucky. I have never resided outside of California. I called I.C. SYSTEM, INC and asked that they to remove these. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX {$740.00} Balance updated XX/XX/2021 I.C. SYSTEM, INC Original creditor : XXXX XXXX {$920.00} Balance updated XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1.XXXX XXXX at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing of the following items of information.Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.
Product: Mortgage

My mortgage was sold to Seterus in XXXX XXXX from XXXX XXXX XXXX. The escrow account was shorted when transferred to Seterus and my last payment to XXXX was not applied nor forwarded to Seterus. I have called and worked with XXXX and Seterus for a full year. However, no one wants to take ownership and step up to help fix the problem. The loan has been behind from day 1 with Seterus and is falling farther behind -- even as I continue to make payments for over the amount due in an attempt to catch my mortgage up. 
My loan continues to be hit with charges driving my loan farther behind and into foreclosure. I believe total mismanagement of my escrow account and payments have occurred. I have called and asked to speak to a supervisor or be assigned a specific representative so I do not have to start at XXXX every time I call and attempt to get this fixed. The last time I called- I waited to speak to a supervisor on hold for XXXX minutes and then I was disconnected/hung up on. I ca n't believe they are going to foreclose when I had been current until my last month with XXXX. I have attempted to login online to the Seterus website. All I can see is just a big black box ; the whole screen is black. I ca n't see any details regarding my loan. 
I received approx. {$700.00} in XXXX XXXX from XXXX XXXX XXXX stating they have now found the funds and 'fixed my mortgage balance '. But my mortgage is not fixed and {$700.00} will not fix the problem due to all the legal and late fees now on my account. I asked Seterus if I send the money XXXX shorted at transfer and refunded me which causing my mortgage to be behind and increasing my payment due to the escrow shortage- 'will you go back and reapply my payments correctly and remove all the extra charges- legal and late '. Seterus says they will run analysis and get back with me in two weeks. I never hear back from Seterus. I keep calling them back and usually end up on the phone for about an hour while the representative looks things up and then Seterus employees says the same thing!! 'We need to run an analysis and will get back with you in two weeks. Now I 'm two weeks from foreclosure!!! Please help me!
Product: Debt collection

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. PROFFESIONAL PLACEMENT company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Product: Money transfer, virtual currency, or money service

Well there was a transaction that was made Zelle to Zelle and the person that sent the Zelle requested that the transition was fraud. Indeed it was not. So instead of the agency asking for proof of conversation or ant type of proof they sent the money back to the party. so I was minus in my bank account.

Another transition that happened with Zelle was It was a fraud transaction as well. the company did not have send the proper material as they expressed in the email I sent them payment and never received products. I spoke with the bank filed a claim and they never asked for proof of anything just closed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  {$120.00}  XXXX   XXXX  Is an account that is not mines.
Product: Credit reporting

I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.
Product: Consumer Loan

I was approved for a deferment on my loan with Discover Personal Loans in XXXX 2016. The terms of the agreement was that my XXXX 2016 payment would be deferred and that after I make my payments for XXXX.-XXXX on time each month, my account would be brought current. I paid those months on time and all of my subsequent payments have been made but the company has been harassing me every month since the agreement was made. They call me, email me, and send letters and I always speak to them and explain my account. After they look into their records they apologize for contacting me and promise that my account will be corrected but as of today it is still not brought current. I am fed up with this company and their lack of integrity.
Product: Checking or savings account

I was the victim of an online scam. Someone hacked into a Friend 's XXXX account and listed a XXXX  XXXX for sale stating that she was selling her Father 's truck because he was moving to an elderly care. I contacted her on messenger because I didn't have her phone number. She reached out later stating the truck was available. She was selling it for {$5000.00}. I asked her if she would take {$4500.00} and she said yes. She said I would need to pay half now so she can mark it as sold and not take any more calls. I sent her {$2000.00} by XXXX on XX/XX/XXXX. She messaged me later in the evening saying she was getting someone to pay the full deposit so if I sent the balance she would mark it sold. I told her my daily XXXX  amount is only {$2000.00} and I would have to send the balance on the next day. I sent the {$2000.00} on XX/XX/XXXX. She then messaged me further saying a family friend is willing to pay {$6400.00} for it because he has seen the truck and its in good condition. Before I sent her the first payment, I did ask her for the VIN number of the truck and she stated that her Dad 's accountant had the information and she would send it to me once she got it. I started becoming suspicious and started asking her personal questions as she would know who I was. I got her number from another friend and called it. She didn't answer so I texted her saying I was messaging about the truck we were talking about on FB. She responded immediately stating that her account was hacked on FB and she had no access to it. I immediately called Chase and let them know the situation. They told me they couldn't do anything about it since I initiated the XXXX  payment. They created a ticket but told me they can not reimburse my {$4500.00}. They told me I would need to call XXXX because it is a third party platform they use. I called the number they gave me but there is no option to speak to anyone so I submitted an online complaint. I received a response back from a XXXX email saying that they would look into the issue but no refund would be issued. This would just be to prevent further scams from happening. I also called the XXXX XXXX XXXX police department and filed a compliant about the fraud/scam. I am trying to recover the {$4500.00} XXXX payment I made to the individual pretending to be someone I know and selling a truck that I never received. The email address the person gave me to send the zelle payment is XXXX registered under a XXXX XXXX. The person 's FB account that got hacked was XXXX XXXX XXXX
Product: Mortgage

Chase negligently merged my savings, checking and morgage account with multiple fradulant accounts with another person or persons fraudulently impersonating as me! Although those other XXXX XXXX, California, NY, NJ and CT use either no social security number, an EIN number or another fradulant social security number, they are all under MY PROFILE. I have begged CHASE via phone and in person to separate me from this money laudering, they refuse. I want proof in writing ALL these fradulant accounts are closed AND I want proof my morgage account was CLOSED. I have proof it was paid in full but nothing stating it was closed. Chase has ignored both requests
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and Transunion refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my XXXX XXXX, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, Transunion, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.
Product: Checking or savings account

On XX/XX/XXXX I had two unauthorized transactions at out of state retail stores ( XXXX XXXX - XXXX XXXX ) and ( XXXX XXXX - Washington DC for both XX/XX/XXXX & XX/XX/XXXX ). I discovered and reported this information to my bank on XX/XX/XXXX and after investigation was declined the error dispute. The reason given was my possession of the card, despite sale occurrence out of state. These were unauthorized transactions for which I received no financial gain but a loss of {$4200.00}.
Product: Debt collection

We receive a phone call from this collection company EXPRESS RECOVERY SERVICES Attorney XXXX XXXX XXXX ( who is the attorney for plaintiff ), trying to collect a debt from the University of XXXX  XXXX XXXX, and we try to arranged payments and explaining our situation being XXXX XXXX XXXX  with XXXX, the lady representative was not willing to negotiate and toll us that we needed to pay the full amount right away over the phone and that there was anything to do, adding that not paying will have bad consequences, and the next day we received the lawsuit from the Court ( which even was pre-dated : not having the date of delivery but an upcoming date/day ), the paper was deliver by a man rather than post office and given to our minor son, without requesting an adult. We don't considered it is fairly to sue us, when the financial crisis because of XXXX pandemic is not affecting only us but millions of people. I hope you can review our situation and find a fairly solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to freeze my consumer file with Sagestream twice and both times i received a letter back stating the information submitted was not verifiable. My state issued drivers license and federal government cac card are on the list of proper identification to send which is what i did.