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

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXXXXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$81.00} XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a subscriber to Equifax monthly 3 Bureau credit monitoring service which costs $ XXXX month. Since XX/XX/2019 Equifax has not updated my report. I have called Equifax numerous times since XX/XX/2019 attempting to get this problem fixed ; despite numerous assurances and many long hours on the phone with Equifax, they still have not corrected this problem. Furthermore, I am unable to unlock my report as well. 

This problem needs to be fixed, my report needs to be updated. 

Also, Equifax needs to refund the monthly charge ( {$19.00} ) for the product they billed me and did not deliver.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, XXXX, or transunion ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Product: Debt collection

Chase calls me 15 to 20 times a day. They use different numbers. Sometimes they use a local number. My phone blocks them all but they still get through to my voice mail. They just wo n't stop even though I have demanded they do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i which mandates a reasonable investigation. Also XXXX violates CFPA, 12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ). 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To Whom It May Concern, Over 45 days agoI wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing due to non complIance with the CRA Equifax they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

XXXX  XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Military Credit services Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and XXXX admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My complaint is based on using financial institutions to conduct my business properly due to identity theft, some of the disclosures which I received were not accurate, as a result this has been an atrocity that has hendered me from completing personal and business needs, with the help of the fair credit reporting act, hopefully this can outweigh all the challenges I've been faced with, in the future whatever information you need from me I can provide, I've also started a credit repair due these allegations which are not true.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy.
Product: Mortgage

Bank of America missed a property tax payment ( 1 Quarter - XXXX {$1100.00} ) due in XX/XX/XXXX when they first originated the loan. However, they kept on making regular payments for following quarters and everything else is good. On XX/XX/XXXX, BofA took out {$1100.00} from my escrow account as tax payment. However, when I realized I have a balance due from XXXX, I checked XXXX Dept of Finance website to see the payments that were sent. That XX/XX/XXXX payment was never applied on Dept of Finance. BofA never realized this was not applied on Dept of Finance. 

On XX/XX/XXXX, BofA took out another payment {$1000.00} from my escrow account and this was partially applied for XXXX balance due ( at this point there're about {$90.00} in interest accrued over the year ). Since extra payment was taken out from my escrow account, it was showing XXXX in my escrow balance. 

In late XX/XX/XXXX, I started refinancing process with 2.5 % with another lender. I have been trying to resolve this outstanding tax payment and extra payment taken out from escrow account. I have went thru many channels phones, messages from website, and barely got replies. Finally, I got a chance to speak to a manger and they found out XX/XX/XXXX payment was missing at Dept of Finance. They credited back {$1100.00} to my escrow account. 

However, there's still an outstanding tax balance from XXXX in the amount of {$87.00} as of XX/XX/XXXX and it keeps changing due to accrued interest. I have called BofA several times to escalate and get the whole outstanding balance paid. On XX/XX/XXXX, BofA took out {$80.00} from my escrow account to supposedly pay for outstanding balance which are accrued interest from XXXX. I have requested BofA to recredit this payment to my escrow account since I'm not supposed to pay interest for BofA mismanagement and payoff that outstanding tax payment once and for all. I have mentioned several times that I'm refinancing with another lender for 2.5 % ( down from 4 % ) and this is holding up the process. My interest rate lock has been extended several times ( free for now ) but for whatever reasons, if they start charging interest, and the rate goes up, I will be in trouble. Even after escalating thru many channels for months, I can't get this outstanding balance paid from XXXX.
Product: Credit reporting or other personal consumer reports

When trying to put a credit freeze on my credit report by phone, had to call twice, the first call took me to fraudulent reports, I just wanted a credit freeze, call the second time and TransUnion said my freeze was started without any confirmation number. Just trying to make consumers to open an account with them also XXXX did the same thing, with XXXX had to open an account with them to freeze my credit.
Product: Checking or savings account

In late XXXX someone fraudulently opened a checking account in my name at Capital One Bank. I contacted them immediately to let them know it was fraud and they assured me it was closed. 
A couple of weeks later, I received a debit card on the account. I cut it up, called them again and once again was assured the account was closed. 
Now today ( XXXX ), I received a bank statement on the account. I contacted them again and had to leave a voice mail with what I think is the same department I have spoken to twice before. 

I am not sure what I have to do to get this account closed and off of their records so I decided to file this complaint to see if you can help?
Product: Mortgage

I have a mortgage through Chase. On XX/XX/XXXX I logged into my Chase online account. I was intending to pay my XXXX mortgage. It was at this time that I realized I had not paid my XXXX or XXXX mortgage. It is a very small mortgage on a piece of vacation property that we own and somehow it slipped my mind in the chaos of the pandemic. However, my complaint is that Chase never contacted me to notify me that my account was delinquent, either by email, regular mail or telephone. 

I paid the full amount past due and contacted Chase. They told me that they had tried to call but did not leave a message because they are not allowed to under the Telephone Consumer Protection Act. I explained that I can not answer numbers I do not know, but I return phone messages. Chase said they will not leave a message because of this law. They said that I had elected paperless statements in XXXX. Chase said that my statement should have alerted me. However, I have never received an email with a paperless statement. In any case, with the election of paperless statements, I was supposed to still receive tax statements and notices and letters in paper in the mail. I receive tax statements in hard copy paper format. However, I have never received a notice except for advertisements. 

I asked the representative if Chase sent me a notice/letter of delinquency. Chase did not send me a single notice of delinquency. The representative said they sent me a letter notifying me of pandemic assistance. However, this notice did not advise me that I was delinquent. It appeared to be an advertisement from Chase at the time for a pandemic program because it was not specific to my account. The representative of Chase said they would have notified me via mail when they foreclosed on the house.
Product: Credit card or prepaid card

I set up a payment of XXXX - the statement balance - to be paid on XX/XX/XXXX prior to the due date for the statement. I confirmed that this payment was set up more than once. I am sure of this as I was closely watching my XX/XX/XXXX spending and went into the site to verify the amount and date of payment for my personal spreadsheet tracker. The website did not pay the amount. I also did not receive notifications about the account being due as I had previously set up and received in the past. I have sent multiple messages about the XXXX interest and XXXX late fee and how it should be removed. The website regularly does not work - I have had issues trying to download statements or make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is being misused and sold on the black market by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX This has led to the misuses of my social security number and various accounts being opened in my name that were not authorized by me. These are the accounts on my credit that are invalid XXXX XXXX Opened XX/XX/XXXX for {$520.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX for {$300.00} These accounts are fraudulent and must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered on XX/XX/XXXX in effort to pay the debt off .I was told by agent that I needed to pay {$76.00} to start the payment plan which I did. When I log into my account online it stated that I owed {$46.00} I called in and was told that I should ignore that as it takes time forthe plan to take effect I have made each payment as they are drafted from my account on the XXXX .I did speak with a supervisor and was told that it would take 48 hours to fix .However my credit as been negatively affected.
Product: Debt collection

This is a credit card debt from XXXX from 10 years ago or longer. Portfolio Recovery Associates is somehow renewing the timeline to an earlier date from XX/XX/2012.
Product: Vehicle loan or lease

In XX/XX/2018 I took out a loan on a new vehicle with Chase and my financial situation was suddenly impacted by a significant loss of business a month later. I fell behind a couple of months due to the loss of business. My loan was only 60-70 days past due and Chase decided to repossess my vehicle. Immediately after the repossession I called Chase to inform them my financial situation had normalized and I was ready to pay the entire past due balance in full to get access to my vehicle. I also explained there was a temporary loss of business but that it had all been resolved and recovered. I was back in a financial position to resume with my loan. Chase denied me any options to renegotiate or pay the balance past due despite me having ALL the money ready so I could regain access to my vehicle. They said the vehicle would go to auction and I would be responsible for the difference. I explained to them that I rely on this vehicle for work purposes and I was back in a financial position to continue with the loan. They said the decision to sell the vehicle had been made final and there was nothing they could do. I added that I had a previous relationship with Chase on another vehicle I financed through them which I paid on time for over 2 years. They refused to acknowledge that positive history with them.
Product: Credit card

Hello so XXXX accused me of fraudulent activity when they were the ones who had constantly sent wrong orders/charged more or didnt listen to my instructions and left me with no way to return my items as they locked me out of my account. On XXXX first I ordered some travel size items as I was going to go on a flight the very next day. I got all my travel items replaced with the full size ones not only could I not afford it I had to trash them at the XXXX XXXX XXXX. I could not even return them as I did not have time. I also let my shopper know I didnt want another item and they still put it in my cart. Now I got charged {$180.00} when it really should have been {$60.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a payment of {$310.00} through PayPal to XXXX XXXX for a purchase. I mistakenly selected the Friends and Family option instead of XXXX and XXXX, not realizing that this would void any buyer protection. PayPal did not clearly inform me at the time of the transaction that this selection would leave me without dispute rights if the seller failed to deliver the item. 

When I did not receive the purchased item, I opened a dispute with PayPal on XX/XX/year>, reporting that I had been scammed. PayPal then notified the seller and later denied my claim, stating that Friends and Family payments are not covered under XXXX XXXX. 

Following this, I contacted PayPal again, and they advised me to dispute the charge with my card issuer, XXXX XXXX stating that only XXXX had the authority to resolve the matter. Based on this guidance, I filed a dispute with XXXX on XX/XX/year> under the claim that I had not received my item. 

On XX/XX/year>, XXXX denied my dispute and ruled in favor of the seller. When I returned to PayPal seeking further resolution, they refused to take any responsibility, stating that they could not investigate further because I had filed a chargeback with my bank. Essentially, PayPal directed me to XXXX, but when XXXX ruled against me, PayPal refused to assist any further. 

Throughout this process, I have been given conflicting and misleading information, leaving me without a resolution. PayPal failed to properly inform me of the risks of using Friends and Family for a purchase and then misled me into pursuing a chargeback that ultimately resulted in a complete loss of my funds. Now, PayPal suggests I contact the Internet Crime Complaint Center ( IC3 ), which is not an appropriate resolution for a consumer dispute they could have prevented.

I am requesting that PayPal reopen my case and issue a refund or provide an alternative resolution, as their misleading guidance and lack of transparency directly contributed to my financial loss.
Product: Debt collection

Fraudulent Reporting to Credit Reporting Agencies of a Debt I Do Not Owe ; This collection agency is in violation of FCRA 1681s-2. 

This collection agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that you are licensed in CA, and provide this license number to me.