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

I have been disputing charges from a company called XXXX they own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$2600.00} with the company " XXXX XXXX XXXX XXXX '' '' XXXX XXXX XXXX '' both the same company. they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX  which is an online marketing company of digital products over the internet. I was sold the service that was supposed to be for traffic that would click on my advertising page. However I recieved nothing for this {$2600.00} I spent. I believe this was just another extraneous charge like many that I incurred while being associated with this XXXX  comany. When I tried to air my complaints the company never responed to my emails.I also called the help desk at XXXX several times but after being on hold for over an hour I just gave up. Chase Freedom card is the credit card company that looked into the dispute I filed with the " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX '' the same company. Chase originally removed the charge from my statement but then the company ( XXXX ) challenged it and then Chase put the charge back on my statement. Now I want to tell you something very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC by federal court order has shut down this XXXX  company and 8 other businesses they own and froze the assets of the principles in the company over XXXX XXXX dollars ... here is the official link for the FTC action against these criminal companies. XXXX : XXXX An attorney at the FTC provided me this information but the charges against this XXXX company and " XXXX XXXX XXXX XXXX '' came out after Chase denied my dispute for the removal of the {$2600.00} The FTC has been investigating this XXXX  company for fraudulent business practices. I spoke with an attorney at the FTC and he told me that I should make this new information known to the Chase dispute team. I did tell Chase about the fact that the FTC has shut down XXXX and " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX  " company. The charges of almost {$82000.00} that were charged to my credit cards was I believe a scheme to bilk money from me and in light of the fact that FTC has shut down this XXXX company and frozen the assets fo the the principles is proof that this company engaged in fraud. Therefore Im asking that the charge of {$2600.00} be reomved from my statement with the Chase Freedom card.
Product: Mortgage

My brother, XXXX XXXX, and I were both 50 % owners of a home. I then took out a loan against the home. XXXX passed away XX/XX/XXXX. It seems the mortgage company made an error and XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating their was an ownership discrepancy. I referred the letter to my trust attorney. The following is what happened : " A portion of this is from the XXXX XXXX I prepared : On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX XXXX XXXX XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : XXXX XXXX XXXX XXXX XXXX  as per map recorded in Book XXXX, Pages XXXX to XXXX of Maps, in the office of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A Quitclaim Deed was prepared in regards to his XXXX percent ( 50 % ) interest in the XXXX XXXX being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX prepared a Quitclaim Deed transferring his XXXX percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the XXXX percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. ***A deed was NEVER prepared by the mortgage company transferring this asset back into his living trust. *** XXXX XXXX XXXX died on XX/XX/XXXX. 

XXXX requests this Court confirm that the additional XXXX PERCENT ( 50 % ) interest in this Real Property asset is subject to XXXX XXXX XXXX XXXX XXXX XXXX and under the control of XXXX XXXX XXXX as Successor Trustee. XXXX believes that this asset is subject to her control as Successor Trustee. '' XXXX XXXX XXXX cc : FTC XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, XXXX CFR XXXX states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries that I never authorized on my consumer credit report.
Product: Debt collection

Company trying to collect on debt that I have no knowledge of XXXX XXXX XXXX
Product: Credit card

NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. 
I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. 
XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence.
Product: Credit reporting or other personal consumer reports

Equifax continues to report accounts which have aged off and should no longer be reporting as per FCRA statutes. They have recently deleted the delinquency dates on the following Tradelines which are past the 7 year reporting limit : XXXX XXXX XXXX XXXX First Delinquency XXXX XXXX negative tradeline discharged XXXX XXXX NEARLY XXXX XXXX XXXX  - they refuse to delete it and the representative stated that she did not have to adhere to the FCRA statutes, just what training she felt she had! No investigation or deletion occurred. 

XXXX XXXX Past 7 year FCRA staute of limitations ... yet someone within Equifax simply copied the data from a different account I had with this creditor instead of deleting the record as law dictatesQ 2 different XXXX XXXX XXXX XXXX Accounts- INCORRECTLY UPDATED WITH NEGATIVE DISPUTE COMMENTS ON XX/XX/XXXX ... .BOTH ARE OLD AUTO LOANS WHICH CLOSED SATISFACTORILY ... ONCE AGAIN A REP AT EQUIFAX ARBITRARILY ADDED XXXX INFO TO TRADELINES FRAUDULENTLY. I PAY THE PRICE HAVING XXXX STRONG AUTO LOANS FROM FACTORING INTO MY SCORE - PREVENTING MY NEW HOME PURHASE WITH ALL THESE ERRORS! 

XXXX XXXX XXXX  - AGAIN FALSELY REPORTED DISPUTE COMMENTS WHICH I DID NOT INITIATE! AGAIN REMOVING A POSITIVE ACCOUNT FROM FACTORING INTO MY CREDIT HISTORY! 

XXXX XXXX - XXXX SENT XXXX LETTER WHICH I SENT TO EQUIFAX REQUESTING REMOVAL OF THIS FRAUDULENTLY REPORTING TRADELINE. THERE IS NO CREDIT INQUIRY, I DID NOT APPLY FOR CREDIT WITH THEM. IT WAS PLACED ON MY REPORT IN ERROR - EQUIFAX IS THE ONLY BUREAU THAT CONTINUES TO REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reflected on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but XXXX XXXX XXXX Equifax has not been corrected. According to the Credit Union they do not report to XXXX XXXX & Equifax, however the 2 accounts show as delinquent with both reporting agencies.
Product: Money transfer, virtual currency, or money service

JP Morgan & Co has failed to keep giftcards from XXXX -Three cards have been compromised or are inaccessible to maintain even though my records indicate there should be a balance. 

I have the card numbers as well & attempted to have JP Morgan investigate what is going on, but they won't help They recently denied me credit for XXXX cards stating I'm not a super high valued & wealthy client with trillions
Product: Student loan

XXXX XXXX XXXX is denying me the full credits I have towards the 120 payment requirement. I am being credited with 24 payments when I should be at 84 payments. 

The website had been down on several occasions and there was some sort of glitch when I repeatedly tried to set up my direct debit. I contacted the company and explain that I have a other health impairment that is directly impacted when I could not set up the direct deposit. 

The company 's reply was that I had never informed them of my XXXX and therefore, there was nothing they could do. I responded that I had put that information when I applied for the loan with the agency that I originally held the loan with, however, I was never told that I needed to continue to provide that information when my loans were transferred to FedLoan Servicing. 

Fedloan has had no response and I have sent the letter to them multiple times over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 

2. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly.You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 3. This account is inaccurate because the repossession agency never sent me a notice within 48 hours after they seized the vehicle. They never listed my personal belongings. I can pursue litigation for the amounts they charged for the repossession under California law. 
XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item on my credit report, TD Bank XXXX/TARGETCREDIT, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX XXXX XXXX XXXX who represents TD Bank XXXX/TARGETCREDIT for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX XXXX XXXX XXXX that represents TD Bank XXXXTARGETCREDIT ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, XXXX  and XXXX. I have also reached out to Target over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to Target over several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EQUIFAX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} 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 I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX  due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was XXXX. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XX/XX/XXXX, whatever I owed was paid. In XX/XX/XXXX I consolidated all of my debt including the XXXX credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XX/XX/XXXX & XX/XX/XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.
Product: Mortgage

On XX/XX/18, I received an escrow analysis from Round Point Mortgage ( RPM ) that my mortgage payment will increase by {$380.00} due to a shortfall in my escrow balance. I quickly wrote RPM a letter on XX/XX/18 stating the discrepancy in the tax figure ( {$4100.00} vs {$1900.00} ) used and why there shouldnt be a need for my mortgage payment to increase as I should have just enough in my escrow. I requested for another escrow analysis on my account. 

When the second escrow analysis arrived in the mail dated XX/XX/18, my payment was reduced with a wrong tax figure used form a wrong property address while RPM sent me a check for {$1300.00} for a surplus. After several attempts of not getting through to their employee over the phone, I wrote another letter sending back the check on XX/XX/18. More specifically asking why my mortgage payment was left increased but I am receiving a check for surplus. Meanwhile, I was paying extra every month to pay down my principal. So, the extra $ XXXX I paid was applied to escrow instead of principal for my XXXX payment. 

Conducting a third escrow analysis, the new payment figure ( {$2400.00} ) RPM sent me was not the same as what was showing ( {$2500.00} ) on my account online. Furthermore, I was sent another check for {$500.00}. A representative called me prior to receiving the check that the check was sent in error and I shouldnt cash the check. Upon receiving the third escrow analysis and the check, when I called a rep over the phone, I was told to cash the check but no explanation was given to why there is a discrepancy in payment amount from what the escrow analysis statement showed versus what is shown online on my account. 

I have requested RPM to use the extra amount of {$380.00} applied to my escrow for my XXXX payment to pay down my and reduce my principal balance as well as a details on why there is a discrepancy in payment amount. I have once again returned the check for {$500.00} and demanded that my mortgage payment shouldnt change nor should I be receiving a check. 

Furthermore, RPM is still yet to give me a reason why my escrow balance is different when my loan was transferred to them versus what was on my closing statement when I bought the property. It seems RPM and her employees can not conduct an accurate escrow analysis nor are they fit to be a mortgage servicer. I am tired of talking to incompetent employees from RPM nor an Assistant Vice President who is sending me a wrong tax bill for a different property while trying to explain my dilemma.