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

I am disputing inaccurate information that is on my credit report In regards to my XX/XX/XXXXXXXX account/ ( XXXX XXXX which it has been over 7 years and needs to be removed )XX/XX/XXXX and XX/XX/XXXX Is reporting negative history inaccurate information for the same creditors and should be deleted from my report credit after submitting my documentations they still has incorrect/inaccurate information still remains on my credit report CFPB has took action against Equifax XXXX and highlights how this supporting my claim of their non-compliance specifically.This impacted me in such a harmful financial way. I have been denied credit for the last 3 years Because of inaccurate reporting information on my credit report I couldn't even purchase a home because of Equifax incorrect information on my credit report.There lack of investigation & Reinvestigation is unacceptable I've sent multiple dispute letters sending my supporting documents to support my rights to have those inaccurate reporting removed from my credit they currently have XXXX XXXX that account is from 2016 and it still remains on my report on my which I have asked several times to have it removed XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX is two different companies reporting for the same account.In which I only paid XXXX XXXX before my account begin negative.In which I paid to XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information have been infected by the Transunion data breach and may got into the hands of the wrong entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Somewhere in XX/XX/XXXX my credit card account with Chase Bank was signed up for E-statements. I never approved that. Therefore, I did not receive my statements. My email address was, at the same time, spammed with hundreds of emails from Chase stating : Your point transfer is now complete. ( please see enclosed ). It seems that all this was a Chase computer glitch associated with my credit card account. 
All this had caused me to be unaware that my account had an outstanding balance. Therefore, the balance was not paid and it was a bit over 90 days late. Once I was made aware of it, I made a payment right away. 
I am applying for a mortgage and this matter was very urgent to me. 
I contact my Chase Bank manger but unfortunately he was not able to help. 
On XX/XX/XXXX I contacted Mrs. XXXX from The Chase Credit Card Executive office and was told that this matter will be investigated and I will be notified with results within the next few days. The following few days I tried following up a few times but I never got a response. On XX/XX/XXXX I got a phone call from Mrs. XXXX that unfortunately Chase is not willing to remove the 90 day late from my credit report even though she basically admitted that it seems like this was a bank error. 
It is very clear to me that I never signed up for Estatements and never gave consent, so there for I never received my statements. ( They were not even properly delivered to my inbox as I was spammed with hundreds of emails from Chase ).
Product: Debt collection

National Credit System at XXXX XXXX XXXX XXXX, XXXX, Ga XXXX has been sending me collection notices in the amount of {$3900.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting

I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill twice and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.
Product: Consumer Loan

I could not get a loan. I found out that my credit was low do to this. 
Try to contact the company to see if i could pay on it and they said they sold my acct. to a nother compay, So i want to take it off my credit score. becouse they do not owen it.
Product: Debt collection

We have a home equity loan with lender XXXX XXXX. The company closed doors and we contacted a lawyer to pursue this company and found out they closed doors and no longer in business. All payments were seized and never heard from XXXX and all correspondence stopped and on line account access locked. Statue of limitations were reached. And now to our surprise the loan was sold multiple times. And we have sent letters to each of these new debt collectors asking for proof of original copies of loan and terms and real time payment made to loan so we can see the real time date and amount and transaction payor id so we can determine the information is in deed accurate, true and just so we can identify if statue of limitations has been meet. No one can provide that info. the loan is know in the hands of Shellpoint who has numerous complaints of Racketeering and unfair debt collection practices for mortgage loans that have unfair subprime terms.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXXXXXX XXXX I received a text message asking if I had authorized a {$2000.00} XXXX transaction. Immediately after I received a call from a number that I personally verified to be the official Wells Fargo customer service phone number. The person on the line notified me they were calling from Wells Fargo Fraud Protection and proceeded to walk me through steps to chargeback my money in XXXX. They were extremely professional and knew sensitive details about me that I didnt think anyone besides the bank would be able to access. I followed their instructions and entered a transaction of {$1000.00} on XXXX to a recipient they claimed to be my caseworker. They said I had completed the first step of my payment cancellation plan. I called Wells Fargo customer service shortly after speaking with this individual to confirm some details where I was informed that I had been scammed by someone impersonating Wells Fargo. The actual Wells Fargo launched an investigation but denied my claim for my money back due to me authorizing the XXXX transaction.
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICES ( ie : PROGRESSIVE INSURANCE ), is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CREDIT COLLECTION SERVICES ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 and 6809 to substantiate my claims. Further, CREDIT COLLECTION SERVICES must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CREDIT COLLECTION SERVICES terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of CREDIT COLLECTION SERVICES nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my account was used to send a XXXX payment to an unknown account. The Recipient email was unknown to me nor did I ever authorize this transaction. The amount in question was a sum of XXXX XXXX 

I contacted CHASE Bank and created a claim. Said claim was denied by chase even though In my initial claim I stated I never authorized this transaction. I was unaware of this transaction. In said initial claim I was told I would receive a call within 10 business days and credit into my account but never received a XXXX nor any form of contact from CHASE. I then contacted XXXX as it was through XXXX and was told to contact my bank. I spoke to manager XXXX of the claim department and she told me Negative. 

Under regulation 8 I am entitled a refund for any unauthorized payment. I believe my rights are being infringed upon.
Product: Mortgage

The mortgage took over 60 days to close. When LoanDepot finally scheduled the closing a notary was sent to my house with the wrong paperwork. When asked to sign I was also told I would need to write a check for ~ {$2700.00} which was not what was agreed upon in the closing disclosure. Loan Depot was unavailable to answer the phone during my closing even though it was during business hours. They finally remediated it and I closed on XX/XX/2019. To date, they have still not funded my loan and I have incurred late fees and potential hits to my credit. I followed the advice of my Account manager in late XX/XX/XXXX to take a 2 month payment vacation and have not paid my mortgage. After calling them I have been told that I need to pay my mortgage now because they may not fund it on time. I have been lied to and deceived during this process and I have incurred damages caused by LoanDepot. I was told I wouldn't need to make mortgage payments after closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

BECAUSE OF THE NATIONAL EMERGENCY COVID-19 I AM REQUESTING XXXX XXXX XXXX XXXX XXXX ETC..TO CANCEL BOTH CARDS FURNISH XXXX TO THE IIRS.
Product: Debt collection

Was sent paperwork from debtor, with a singed copy of account was open but not only do I not sign my name like that I no longer go by XXXX. Nor did I open this account. When looking up company name it no longer appears to exist it filed for bankruptcy a year after account was open, no one could help me with more information about this debt. Kv
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I make my student loan payment each month. This month I paid a little early. After I paid, XXXX deducted the payment again from my checking account. Since I already made my payment, I did not have enough money in my account to cover a second payment. As a result, my credit union charged me {$34.00} for a NSF fee. Now XXXX is saying Im late on my payment. 

I have contacted XXXX a couple times to get help with resolving the issue. The last time I called they told me I need to wait XXXX - XXXX business days while they investigate. They have all the information in my records and even acknowledged they can see I already made the payment but they are not helping me. 

Today, XX/XX/21, I received an email saying they were sending an ACH debit to my credit union again! When they do, I will get another late fee. I can not afford a second payment and these late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 4 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Debt collection

Rushmore XXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by XXXX and XXXX on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXXXXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXXXXXX XXXX  and Rushmore Collections and XXXX and XXXXXXXX XXXX XXXX  have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX  facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  Discover Financial, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX transmission on XXXX XX/XX/XXXX XXXX was withdrawn from my account for installing a engine in my XXXX XXXX and on XX/XX/XXXX XXXX XXXX was withdrawn from my account for the same reason. and on XX/XX/XXXX XXXX another XXXX was withdrawn from my account for the same reason. after i pick up my truck on XX/XX/XXXX the invoice bill was only XXXX so the with drawal exceeded the total amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt collectors and consumer reporting agencies can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. They need to settle for {$3000.00} immediately. I have attached the document that confirms I was violated and my information was exposed.
Product: Credit card or prepaid card

XX/XX/XXXX Purchased three stainless steel XXXX XXXX XXXX XXXX XXXX systems from XXXX for {$130.00}. Six weeks later, I received three cheaply made white plastic six inch pots. My Chase Credit Card was charged the amount to company XXXX. I could not return items to company because it was past the thirty day from purchase window for returns. I disputed charge with Chase in Case # XXXX and mailed Chase the supporting documents describing the confirmation order and the bait/switch plastic pots received. On XX/XX/XXXX I received a letter from Chase stating that the merchant 's charge was valid and described the purchase of an " XXXX XXXX XXXX '' a product I have never ordered. Chase has charged my account {$130.00} for 3 small plastic pots. When I called Chase for an explanation, I was told I had to mail supporting documentation to them to reopen the case. I mailed receipts, photographs, tracking numbers, and a letter to Chase on XX/XX/XXXX and have not received any confirmation from Chase. Please help me. There are numerous reports on XXXX XXXX  using these bait and switch tactics through numerous shell companies.