23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : Portfolio Recovery Associates : XXXX Original creditor : XXXX   XXXXXXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, Portfolia Recovery, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I sent a dispute to LexisNexis on XXXXXX/XX/year> and they responded with a copy of my credit report instead of my dispute results.
Product: Credit reporting or other personal consumer reports

THIS IS FOLLOW UP FROM MY PREVIOUS COMPLAINT. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do  the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized FIRST XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/2021 when i was reviewing my credit report i noticed accounts that are not related to me. I decided to file a police report because my personal identity was used to open accounts at this companies. None of this information relates to any transactions i have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to XXXX and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
Product: Consumer Loan

2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.
Product: Mortgage

Bank of America ( BofA ) has represented to me a payment was received from the State of California on XX/XX/2013 applied to the XX/XX/2013 installment. However, BofA has also represented no payment received for XX/XX/XXXX and XX/XX/2013 installments and late fees assessed for these months. This information is conflicting as both can not be true. Thus, a material misrepresentation has been made and gone uncorrected on a mortgage or Deed of Trust. 

XXXX ) California Mortgage Forgiveness Debt Relief Act. 

XXXX ) Mortgage Debt Relief Act.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be in error. 
( XXXX XXXX ) This account has not been late on payments, I've attached a copy of my report to this complaint on the following date ( XX/XX/2023 ). 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave any Credit Bureau, or XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe XXXX  and XXXX  due to the abusive and unfair practices.
Product: Checking or savings account

UMB Health Care Savings Account transfer or roll-over request XX/XX/2021, documents completed by our bank, XXXX XXXXXXXX XXXXXXXX acting as trustee, signed by us and sent to UMB Bank XXXX No action taken over six weeks. On XX/XX/XXXX we called their customer service. It was extremely difficult to understand the representatives who were also unable to assist us. They refused to transfer us to US based customer service nor any supervisor. Finally after hours on the phone a person agreed to assign a ticket number XXXX which resulted in no action as of today despite another phone called made yesterday, XX/XX/XXXX. I even tried contacting them through XXXX XXXX with the complaint and did get a response that a senior management person of customer service would be reaching out to me yesterday XXXX afternoon. That did not happen. As of this morning, XXXX XXXX still remains in the UMB HSA account with two monthy administration fees charged since our transfer request.
Product: Prepaid card

I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!
Product: Checking or savings account

My block was unlocked owing to l suffer a fraud the bank is not helping me l got it as a XXXXXXXX XXXXXXXX  and as l am not in US they dont give me real assistance or support at least that l go directly to the bank but l cant, l have call to all the numbers that they gave me and wait but they havent help me
Product: Credit card or prepaid card

On XX/XX/XXXX I made a charge of {$5000.00} on my Chase Freedom card for an investment program with XXXX XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back within 12 months, they will continue to work with me until I have gained all my investment back. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Chases customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to submit a dispute request in writing for services not rendered. The requested letter and additional information supporting my situation was submitted via USPS mail and fax. I followed up with another call on XX/XX/XXXX to check on my status. Nothing further needed at that point. On XX/XX/XXXX, I returned a form from Chase for further information. Along with additional supporting information via fax and mail. On XX/XX/XXXX, I spoke to XXXX ( customer service ) who confirmed all my information was received. After 2 months with endless hours spent on the phone and repeatedly sending information, Chase disputed my case completely incorrectly. Chase disputed the  case as a billing error when the letter requested of me were clearly stated for services not rendered. On XX/XX/XXXX I spoke to XXXX who said they can only investigate a financial dispute, which is exactly what I am doing. Even though I submitted to them multiple pieces of supporting information, all they looked at was one piece and sided with the merchant. XXXX also said I should have known to immediately disputed the charge when the merchant was unreachable. Now I am left to pay off a service that I never received because XXXX decided I did not contact them soon enough rather than trying to reach the merchant first. Supervisor XXXX was quick to say there is nothing he can do but I can write in a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized some unauthorized inquiries on my Equifax credit report. Knowing that its an act of fraud Im asking for them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Like most consumers we are impacted by Covid 19. On XX/XX/XXXX I contacted American Express regarding our three accounts. I was assured that we would not be counted late and did not have to make a payment. 

On XX/XX/XXXX I received notice that a charge had declined BECAUSE WE WERE LATE. On XX/XX/XXXX at XXXX I contacted Amex via their online chat feature and over the course of four reps via chat and three more on the phone, I was told that a ) we aren't late b ) we are late c ) we're only INTERNALLY late d ) the protection plan was only added to one of our cards e ) the protection plan was added to all of our cards f ) we can't use our cards while under the protection program g ) we CAN use our cards, but only if they approve h ) there's nothing wrong with our cards i ) " it's not my problem, credit should have fixed this for you '' ( I was literally just told that by someone in customer service ) The truth is, they totally dropped the ball. We had to make our regular payment in order to use the cards ( our recurring business software subscriptions are all on those cards ). 

The treatment at the hands of the CS reps was so egregious I'm on the phone holding for the escalation department because several need to be FIRED. 

There's apparently zero consumer protection during a crisis.
Product: Debt collection

XXXX XXXX - CALLS REPEATEDLY ALL THROUGH THE DAY ( ROBO CALLER ) RECORDED MESSAGES AT TIMES OTHER TIMES NO MESSAGES IS LEFTS ON MY PHONE JUST A PHONE CALL. 

XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX   XXXX XXXX ( ROBO CALLER ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX
Product: Mortgage

Fay has placed {$170.00} in late fees because they claim that I have paid my mortgage late in XXXX XXXX and XXXX. 

My payments were all made on time. I mailed them on time, or paid them online on time. Fay insists on charging me for when the payments arrived vs, when I mailed them or authorized they be paid through my bank. 

Please help me get these unfair charges removed. Thank you,
Product: Money transfer, virtual currency, or money service

I cashed a check from my XXXX account. It was flagged as fraud. I never received any information saying my account was locked. Once I found out I came to the bank to find out what was wrong. Was informed of the situation and was told there is nothing they can do and I would have to wait for an analyst. I could not touch my direct deposit from work. I got an overdraft fee because I could not touch my money. And its been almost 2 weeks now and nothing has changed. I was told by the fraud department to come into the branch and they could release my deposit for work. The branch told me they couldnt help me. The money has been sitting in the account now for several days but continues to stay locked.
Product: Checking or savings account

Citibank recently had to change the class of stock I hold in XXXX XXXX which did not require the mailing in or out of any stock certificates. This is not something I requested as it was done by the company. Because of this Citibank charged a fee for every share of stock held to electronically convert the class. I have XXXX shares and I believe Citibank charged {$0.00} per share to basically open my account, select all shares and change from one class to a different class. The total fee came out to around {$500.00} dollars. I can understand charging a nominal fee but there was no additional work done if I had XXXX shares or XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

We purchased a puppy from a man in Texas on XX/XX/XXXX via the internet, we had contact through email. We live in Indiana, and he was supposed to ship the puppy to us the next day through ( XXXX XXXX   ) which is also a scam website and company. We paid {$740.00} to the man and that included the shipping fees, we XXXX 'd the money through our Chase account to the man and never received our product because he was a scammer. The next day the " shipping company '' tried to scam more money out of us. The man has since removed his website, XXXX. & the shipping company website is still up. But We thought we were covered by our bank since this was through our Chase account. We have called chase and XXXX and chase says that we are basically out the money bc they do not provide protection on funds sent to the other party since we authorized the transaction and they do not offer protection on money sent through XXXX. Had we paid with our debit card or a check they could refund the money. Mind you this is an app that is tied to chase and our bank account. I'm unsure of how to proceed. Chase wouldn't even make a claim for fraud from us bc it was through XXXX, XXXX made a claim but said we more than likely won't be refunded bc they also offer no fraud protection but am investigation team would look into it and send the claim over to Chase. I'm at a loss on how chase promotes an app that sends money through accounts but can not travel where it goes. The whole situation is unfortunate and I don't know what to do next or who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

Chase randomly closed my account after $ XXXX dollars were stolen from it. They refused to properly used any cameras to investigate the ATM activities, and didnt give me any reason or explanation as to why my account has been closed. They only spent two days investigating my claims before denying all of them.