23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have become a wire transfer fraud on XX/XX/22 and happened to wire {$37000.00} and {$4000.00} to the fraudster account in XXXX XXXX XXXX  at XXXX ET from my local Chase bank in XXXX, XXXX Three hours later I rushed over to the bank again to stop the transactions and report the fraud at around XXXX ET upon finding out it was a fraud. My local chase bank assisted me in opening the claims and freezing all my accounts to prevent my money. I was told the Chase sent the XXXX recall request out to the recipient bank next day XX/XX/22 at XXXX pm ET. Since then nothing has been happening until today XX/XX/22 despite my continuous attempts to communicate with the Chase wire specialist team to stop further transactions. The Chase has been acting so passively in delayed manners just saying the recipient XXXX XXXX XXXX has not been responding towards their requests. I tried to communicate with XXXX XXXXXXXX XXXX myself since XX/XX/22, but they have been saying they only can communicate with my bank. It has been very frustrating that I have not been communicated/updated regarding such a timely sensitive matter while just blaming on each bank. The chase bank has told me my case may be closed since they dont hear anything from the recipient bank. I dont feel like my bank and XXXX XXXXXXXX XXXX have not been collaborating with me at all losing the golden time to resolve this matter. Please help me as this is an obvious fraud!
Product: Mortgage

Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. XXXX.
Product: Mortgage

Loan care Services purchased our VA loan from XXXX XXXX in XXXX 2017. We missed 4 months of payments when Loancare took over our loan because we did not realize they purchased our loan and XXXX did not transfer the payments. We had paid our LOAN for 16 years to XXXX via bank checking account auto debit. We were never missed/late payment. Loancare contacted us via XXXX to offer a us a refinance special offer to lower our interest rates. The fine print stated our LOAN would be extended by 40 YEARS. I assumed it was a scam and ignored Loancare contact. I received notice from the Veterans Administration stating our home was at risk of foreclosure. I immediately contacted Loancare to arrange payment plan of the past due amount. I was told by the customer service rep that my choice was to pay the full amount owed or I could choose the *special offer* to refinance at a lower rate but extend our LOAN for 40 years. I was told that I would lose my house if we did n't pay the full amount OR choose the *special re-finance '' offer. Thankfully we had the money to pay the full amount of the past due payment. Please investigate Loancare for fraud and unscrupulous business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I paid {$1000.00}, check # XXXX, dated XXXX. This check cleared my bank XX/XX/XXXX. I became aware the payment had not been credited in late XX/XX/XXXX when they declined a purchase. I called to try to resolve the missing payment. They sent me a letter dated XX/XX/XXXX stating they were researching the missing payment and to allow up to 90 days to complete their investigation. I called XXXX  and spoke with XXXX, she was not able to assist me until my husband authorized me to speak about this account. I called back with my husband on XXXX My husband gave permanent permission for me to communicate with the bank on this account. We/I spoke with XXXX. She told me to submit a copy of the cancelled check on the website. Their webpage to submit documents popped up " page not available ''. I mailed a copy of the canceled check with a copy of their letter dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX, OH XXXX ( the address on the letter ). On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating they received and credited my XX/XX/XXXX payment. This is NOT the payment they did not credit to my account. I checked the website. The missing {$1000.00} has not been credited to my account. I have spent 5 months trying to resolve a missing payment that I made 7 months ago. I expect them to credit the missing payment and the interest charged for the 7 months they had the payment and did not credit it.
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors 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. Please review these accounts for any violations of the fair credit reporting act. 

1. ( XXXX XXXX XXXX account number XXXX ) 2. ( XXXX XXXX account number XXXX ) I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit card

I've consistently made sure that payments on this account are made on time, preventing them from becoming overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX {$10000.00} reported as correct. No investigation XXXX XXXX  XX/XX/XXXX {$1100.00} Reported as correct XXXX XXXX XXXX accounts {$650.00}, {$420.00} Reported as correct XXXX XXXX {$18000.00} XXXX XXXX Reporting negative with no balance and shows current XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, 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 account violated my rights. 

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
Product: Money transfer, virtual currency, or money service

Apple Card cant verify my identity through XXXX XXXX Ive talked with them through email and phone and get same results denial of the card due to identify verification
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XX/XX/2018 for my XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for an ongoing divorce and a short notice eviction, along with serious medical issues leading up to my hospitalization following surgical complications Id have an excellent repayment record. I made a mistake in falling behind, but I have learned how to manage my finances Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XX/XX/2018. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax XXXX, XXXX, XXXX, Equifax Mortgage Servi , XXXX and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate & unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. Section 611 ( a ) it is plainly sated a failure to investigate these items in XXXX days gives a reason to immediately remove those items from credit report. It has been over XXXX  days so they should be deleted promptly. My information was also impacted by the Equifax data breach & may have got in the hands of the wrong person.
Product: Debt or credit management

I am not responsible for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX phone number : ( XXXX ) XXXX I DEMAND BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My representative payee is exploiting, abusing, neglecting and slandering me. He has kept me in XXXX XXXX, XXXX, hungry and cold. I can not obtain my credit report despite numerous attempts. The latest XX/XX/2019. Since he has become my payee, I now have four social security numbers, a mortgage, car payment and one agency is showing me deceased! He forced me to open another bank account in order to get MY SSDI. He refuses me any statements of where my money is going and any savings. I have XXXX XXXX as he won't pay {$9.00} dental insurance and refuses me transportation, clothing, court filings, insurance, hygiene, rehabilitation and I have been reduced to food pantries and clothing banks. XXXX has taken it's toll charges and nobody is listening. Is this how we get rid of the elderly? I am losing hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I received a text message from a close friend which who I had spoken to 2-3 hours prior requesting I send her money due to a family emergency. She requested I send her {$450.00} because her card wasnt working and she had to pay a friend named XXXX XXXX XXXX, ( XXXX ). She asked me to send it through Zelle or XXXX. I had sent the money through Zelle and minutes after received a call from my friend saying that her XXXX was hacked and not to send any money because they had just scammed her cousin {$700.00}. My friends phone number is XXXX which the scammer still has access too. I called my bank and they said they werent able to help me because the transaction completed, please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : 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 XXXXXXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

HARD INQUIRES POSTED ON XXXX AND XXXX AS STATED AND DATED BELOW 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX and there is no reporting at all for XXXX. 

Actions taken by me : Sent several disputes. 

Actions taken by Company : None XXXX XXXX DATE LAST ACTIVE XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

Action taken by me : Sent several disputes Actions taken by company : None
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS ISSUE I'M HAVING WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT AND DRAGGING MY SCORES DOWN.
Product: Credit card

On XX/XX/year> I enrolled under Global Client Solutions, ( Attached Payment Statements ) a company that stated consolidated all my creditors into one by negotiating and settled. Unfortunately, it was a lied the company collected almost {$5000.00} from me stating that they stated but never settle anything. Then because of XXXX XXXX program I was told that my outstanding credit lines was forgiven and all those accounts were closed. Unfortunately, my personal information may have been exposed to fraudulent activities and I have been working diligently with XXXX and XXXX to resolve any outstanding balances that was never paid. I have come across different accounts and addresses that I don't recognized and have never lived in ( attached ). My Credit Score has been ruined since the moment I decided to enrolled into this program by affecting me in job opportunities low credit score for personal loans.
Product: Mortgage

I have have received approximately 5 different versions of the original promissory note that was signed on XX/XX/XXXX to buy my home all are forgeries. XXXX XXXX XXXX XXXX. first foreclosed XX/XX/XXXX with the first version of the forged Note. I modified the mortgage in XXXX of XXXX with XXXX XXXX XXXX the case was dismissed. They still tried to sell my property at sheriff sale based on the dismissed case after I paid them {$2700.00}. I got that resolved then sent XXXX a Qualified Written Request and received another version of the Note. I went into foreclosure again in XX/XX/XXXX and XXXX  created a Backdated assignment of Mortgage stating XXXX XXXX XXXX XXXX. incorrectly assigned my mortgage to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX stated the Corrective Assignment signed XX/XX/XXXX was to correct the previous assignment that was filed in property records XX/XX/XXXX. XXXX assigned my mortgage from XXXX XXXXXXXX XXXX XXXX. to XXXX XXXX XXXX. Foreclosure was filed XX/XX/XXXX and all documents and affidavits are signed by XXXX employees the Foreclosure has 2 different notes with different endorsements. The judge doesn`t care and judgment was entered against me. The mortgage was transferred to XXXX XXXX in XX/XX/XXXX and the mortgage assigned to another alleged trust. XXXX has another version of the Note. Mortgage was sold again XXXX of XXXX to XXXX XXXX XXXX XXXX V-C and the servicer is FCI Lender Services. I sent a Qualified Written Request and received a response XX/XX/XXXX and now they have another Version of the Note. I have tried to modify my mortgage with all these people to stop the foreclosure but it doesn`t appear any of them are working for the holder of the Original Note. According to a Servicing Transfer Letter from XXXX XXXX XXXX XXXX XX/XX/XXXX provided by FCI the name of the creditor that the debt is owed is XXXX XXXX XXXX XXXX XXXX. FCI has provided the Servicing Transfer Notices from XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I was informed on XX/XX/XXXX by way of a letter mailed from XXXX XXXX labeled Notification of Assignment, Sale or Transfer of your Mortgage Loan that the ownership of your mortgage loan has been transferred by loan number to XXXX XXXX XXXX XXXXXXXX XXXX. The transfer was effective XX/XX/XXXX and to start paying payments to FCI. XXXX has now Recorded a forged assignment of Mortgage to XXXX XXXX XXXX XXXX XXXX and recorded it XX/XX/XXXX in state records with false signatures and notaries of FCI employees. FCI and XXXX XXXX  are trying to steel my property with the help of the previous servicers and their forged and invalid assignments. I in good faith am interested in a valid mortgage modification offered by the true party that is authorized to offer one. These parties are continuing to to trade false and forged notes and recording invalid and forged mortgage assignments for their personal gain by way of fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO
Product: Credit reporting or other personal consumer reports

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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 XXXXXXXX XXXX XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX, CO 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 Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX