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

1. I opened a business credit card account with Chase Bank for a small XXXX service organization called XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX or XXXX. 

2. Transferred everything in the business to XXXX XXXX, the new director of XXXX, in person, with him present, at the XXXX ( XXXX XXXX ) branch of Chase Bank. Left the business and the state in XXXX XXXX. 

3. In XXXX, I received a notice indicating that I was still a responsible party on the XXXX credit card and owed some money. After a great deal of talking, emailing, FAXing and US mailing of documents, including to and from XXXX XXXX, and the bank 's fraud department, all of which Chase now denies ever happened, I was ASSURED that I was no longer responsible for the credit card account. This was confirmed since there was no further discussion of my owing anything. 

4. Now, two years later, I am told that I owe over {$3000.00}, that I am delinquent in payments I knew nothing about and the card is now revoked. XXXX agrees that he owes the money, fell behind on the payments and states that he was NOT aware that I would be held responsible. The bank continues to repeat the party line that there has never been any communication and that I am responsible and liable for anything on the card.

5. My credit rating, built up over many years of careful management, plummeted from XXXX to less than XXXX, and now hovers around XXXX. 

6. I was in the process for several months of buying the condo that I rent, through a veterans ' specialty realtor, and now the process is completely stalled. I may lose the opportunity and have to move into another rental.

7. I am a XXXX-era veteran with XXXX XXXX XXXX. Some of symptoms preclude me from being organized and keeping thorough records, even on computers. I do n't believe Chase Bank has the same problems. I believe they have known full well that I am no longer the signatory on that account, are lying in order to get paid and do n't care if they ruin my credit or my life. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless disputes regarding fraud on my credit report. These accounts aren't mine and have been removed off of XXXX, but XXXX  and Transunion aren't processing the dispute and not sending me letters in the mail ... .. 

I am demanding them to block these accounts within the legal time frame pursuant to section 605B of the FCRA. My rights are being violated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with XXXX inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Of my XXXX credit reports, there is a difference of 35+ points lower with transUnion than the the other XXXX credit scores. 

After a 40+ point drop, a couple of years ago, I never really recovered. By the way, the drop was similar to the drop in the other XXXX that I have since recovered. 

The records are similar and therefore should not have such a wide discrepancy.
Product: Credit reporting

I reported the fraudulent use of my email soliciting money transfer and loans from my retirement account agent. The email hacker received IRA statements and loan forms from my agent. The hacker also impersonated a loan officer in my credit union to request and receive a voided check from me while I was in loan negotiations. Once I discovered the impersonations I set up a fraud alert prior to requesting a free credit report. I am hoping the fraud alert is preventing my request for a copy of my credit report.
Product: Credit card or prepaid card

I opened a prepaid credit card with Capital One on XXXX by making a {$200.00} deposit. I have never used this card. In early XXXX I called Capital One Customer Service and requested that my account be closed and my deposit refunded to me. I received a confirmation letter from Capital One dated XX/XX/XXXX confirming the account closure and stating that my deposit would be refunded after 2 complete billing cycles. Billing for the account was the XXXX of each month I believe. In late XXXX I called Capital One to follow up on my deposit refund. I was told that I should see it mailed to me around the first week of XXXX. The check has still not arrived. I again contacted Capital One by phone on XX/XX/XXXX. I first spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After some while she told me that I would need to speak with a supervisor. After quite a while on hold I was connected with XXXX XXXX XXXX XXXX XXXXXXXX. This woman verified once again all of my information, including my birthdate, and put me on hold multiple times. At one point she claimed that a check was mailed to me on XX/XX/XXXX. This was the first person to claim a check had been mailed. I have a secure locking mailbox and have not to my knowledge experienced " lost mail '' in decades. She continued to insist that I remain on hold. The total minutes of my call was 59 minutes. Probably 90 % of the time I was put on hold. I finally told the supervisor that she had all the information needed to process the return of my deposit and that I could not remain on hold any longer. 
As of today 's date, XX/XX/XXXX, I have not received my deposit back from Capital One. I am requesting help from this XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.
Product: Debt collection

I recently received a summons and complaint from RVO Law, a representative of XXXX XXXX XXXX XXXX assignee of XXXX XXXX Bank on XXXX XXXX, 2015. I contacted RVO law on XXXX XXXX explaining my shock to the summons. I finally spoke to an individual named XXXX on XXXX XXXX, 2015. She explained that they had recently acquired a debt they believed belonged to me. This was the first exchange I 've ever had with RVO law. 

XXXX explained to me RVO was willing to take a settlement, avoiding any legal action. She requested bank statements, expenses, and personal information, data a collection agency has never asked of me before. This immediately sent up red flags for me. I have already been served with summons that I am obligated to respond to regardless of some agreement made post-haste. I had never been contacted by RVO law before receiving a summons. 

I am writing this complaint because I was never properly confronted about this debt by this particular collection agency. When I received this lawsuit I was dissuaded to respond ( to the summons ) although the wheels had been set in motion. Had I not contacted and spoke with a consumer financial protection bureau personnel I would have taken the incorrect course of action based off the miss information of the debt collection agency relayed to me, failing to respond to a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to XXXX XXXX arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.
Product: Checking or savings account

The monthly XXXX dollar payment made to self XXXX  account on XX/XX/2020 was not credited to my account balance by Self XXXX. The statement says that a payment was not made in XXXX and that I am behind XXXX dollars which is not true. I believe they are retaliating due to a previous complaint made to the Consumer Financial Protection Bureau and publishing it for others to review.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have reached out to the Prof Bureau of Coll. of Maryland Inc. and I spoke with XXXX XXXX at XXXX extension XXXX. 

I asked the rep to verify my alleged student loan debt that they keep attempting to collect. They have reported defaming information to all of the major credit bureaus which is inaccurate and not verified. I am unable to purchase a home because of these comments which deem me un-creditworthy. 

I have repeatedly asked for any agreement that I have with the Prof Bureau of Coll. of Maryland Inc that gives them a right to collect this alleged debt. I've asked for verification of the original instrument of indebtedness in its original form to which they have failed to supply and even some times flat out ignored my request. 

Please advise ...
Product: Debt collection

Previous answer the company told me to contact them. I called the number and nothing connects. 

Regardless, I have already tried communication and they are just ignoring everything that I am requesting. 

I request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. And when I request exactly what the charges are- YOU REFUSE to tell me. How does this make sense? I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.
Product: Debt collection

Convergent Outsourcing placed a collection on my credit file, after my debt validation letter response to the original collection notice received via mail. The letter sent on XX/XX/2021 clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/2021, with a letter notifying them of their non response and their responsibility to comply with the law regarding collections. Convergent Outsourcing is now in violation of the FDCPA rules.
Product: Credit reporting

I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.
Product: Credit card

Self Financial closed my account last year due to payment returned. Since then they have still been reporting to my credit report as late payments messing up my credit score. I explained that if my account is closed then they shouldnt be still reporting every month about late payments. It has affected my credit score and is hindering me when applying for anything because its showing as late instead of closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/2018 and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Product: Checking or savings account

USAA disabled my account access on or before XXXX. I called the company approximately 5 times to restore access. The first time, they told me to upload an identity document to the website to restore acces, which I did. The website malfunctioned and told me there was an error despite the identity document being exactly what was requested. The representative told me to mail a letter to USAA requesting access, which I did. 

In the next conversation, USAA reset my password and told me I had access to my account. When I tried to access my account on the phone and failed -- I received an error message saying I did not have a valid email address or phone number in the system -- the customer service representative told me to wait a while and try again. I did, and it failed every time. 

When I called back, the representative told me I did, in fact, have a valid phone number in the system. The phone was then disconnected ; I believe he hung up on me. 

In the next conversation, the representative told me that my account had, in fact, been disabled due to possible fraudulent activity and that USAA had not yet begun an investigation. I was told they would complete the investigation in 24 hours and contact me with the results of the investigation. I did not receive notification of the results. When I called back, I was told the office that deals with these issues is closed and to call back yet again.
Product: Mortgage

My husband is XXXX XXXX XXXX Veteran. We live in the state of Pennsylvania. We are Tax Exempt from paying Property Taxes since XX/XX/XXXX. We did a refinance several years ago with a Mortgage Company and then was bought out from another Mortgage Company. We have never had any problem with the Property Taxes being exempt for us since XX/XX/XXXX. We have been trying to get this solved with them since XX/XX/XXXX. We have forwarded them letters from the County Office of XXXX Assessment and Taxes. We have forwarded them letters from the VA XXXX Veteran Real Property Tax Exemption Certification. They have increased our mortgage payment from {$1600.00} to {$2000.00} which includes the property taxes to used from their Annual Escrow Account Statement from XX/XX/XXXX. We have been in contact with this Mortgage Company every month since XX/XX/XXXX. It is now XX/XX/XXXX and has not yet been solved. We pay our mortgage payment always on time and never late. I need help immediately regarding this matter.
Product: Checking or savings account

{$510.00} was fraudulently taken from my bank account by XOOM ( a global money transfer scheme operated by XXXX before the incident I had never heard of XOOM and have no account with them the fraudulent action was taken via my Debit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i
Product: Credit reporting

I have disputed several times and no results on a judgement that is listed on my report. They have constantly got back with after the allotted time of 30 days, with unverifiable information. I called the creditor and they said they took care of things on their part and the court said the Agency should delete due to there was no executed judgement.I dealt with the company.On my last inquiry they should have already deleted due to no responce in the several request.
Product: Vehicle loan or lease

Repossession Explanation of Dispute : The inaccurate listing of late payments is causing considerable harm to my credit score and is misleading as it suggests that I was delinquent on payments after the repossession had taken place. It is illogical and impossible for a repossessed vehicle to have accrued 90-day late payments multiple times when I no longer had possession of the vehicle. This inaccurate reporting is damaging my creditworthiness and creating an unjust representation of my financial history. I request that you thoroughly investigate this matter and correct the entry accordingly. The misreporting of this account has persisted for an extended period, and I have made previous attempts to rectify this issue without success. Given the prolonged and damaging nature of this error, I must insist on the immediate correction of this inaccurate information in which I expect to see the item removed from my credit report as it has been inaccurately reflecting on my credit for long enough, hurting my credit worthiness and violating my rights under the Fair Credit Reporting Act. I expect a thorough and timely investigation into this matter, in accordance with the Fair Credit Reporting Act ( FCRA ). If this dispute is not resolved within the legally mandated time frame, I am prepared to take legal action to protect my rights. Please provide a written response within 30 days from the date of this letter, confirming the correction of the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!
Product: Mortgage

I requested a payoff ( XXXX of XXXX ) before my house went on the market ; the closing date was XXXX XXXX. The closing attorneys have requested the payoff the XXXX, XXXX, XXXX, XXXX, and XXXX. I also requested it again to be sent to the attorneys on the XXXX and XXXX of XXXX. Each time we were told it takes 3-5 business days to send a fax. The phone prompt says 1 business. Today the attorneys were told it would be sent by the end of the day yet I was told it was sent. I asked to speak with a supervisor and was told it would take 3 days before a supervisor would call me back, it was not immediate. As off the close of business today, XXXX XX/XX/2021 the payoff still has not been sent. Please help me not only to get the payoff but restitution of lost funds because of the delay.
Product: Checking or savings account

I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d
Product: Debt or credit management

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Product: Credit reporting or other personal consumer reports

This creditor GLOBAL LENDING SERVICE engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

It happens today XXXX with Trans union credit Kindly request to removal hard inquiries that I did not authorize and the customer representative was rude and not proactive.