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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX, who claimed to be an employee of XXXX, a leading e-commerce platform founded by XXXX XXXX in 2008. She mentioned that she got my information from XXXX at XXXX XXXX XXXX, XXXX. XXXX explained that XXXX serves global buyers, predominantly in XXXX and the United States, and hosts around XXXX sellers. The company 's operational hours are XXXX XXXX  to XXXX XXXX Eastern Time, during which tasks can typically be completed in less than an hour using a mobile phone or computer. 

XXXX collaborates with reputable application developers to enhance online visibility and search rankings, thereby increasing product purchases. Consequently, they seek remote workers from various locations to work on their XXXX platform. I underwent their training, for which they credited my account. After starting to submit tasks, I encountered an order termed a " welfare order '' that required transferring money using ETH to earn a commission. I downloaded XXXX to facilitate this. XXXX is stating there is nothing they can do. Which these transactions was charged from my chime debit card. 

However, upon attempting to withdraw my funds, and a commision of XXXX with commissions and my alleged investment of XXXX I had a total earnings on my platform of XXXX available to withdraw. I was informed that my credit score had dropped because of delays in completing the orders. To rectify this and withdraw my earnings along with my investment, I had to spend thousands of dollars to improve my credit score. Despite their assurances that nothing would impede my withdrawal after fixing my credit score, I faced yet another roadblock : an additional {$8500.00} tax filing fee. 
On top of all my fun, they now threatening messages, threatening my family, and my kids with XXXX pointing to the camera. My children as well as myself safety is at stake as well as all our income taken from us. 

At this stage, with {$18000.00} already invested, and no longer any means in my accounts I realized this was a fraudulent operation. As a single mother, losing {$18000.00} was devastating. Unable to trust the company further, I reported the fraud to the XXXX XXXX XXXX XXXX XXXX and filed a complaint with the FBI. XXXX XXXX has also assigned this fraudulent scam to an fbi agent on this investigation as well. The IC3 has been contacted in regards to this as well. Despite submitting all documentation to Chime, they concluded my claim without offering a refund, stating they found no error. 

In total, {$15000.00} was fraudulently and deceived charged to my Chime debit card and checking account. I have taken all necessary steps, including notifying my bank and law enforcement, yet Chime refuses to assist in recovering my funds. This situation is an unequivocal scam, leaving me at a loss as my bank declines to aid in reclaiming my stolen money. 
Is there any assistance or help I could get? I appreciate it. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this without prejudice and on my own accord. 
Equifax stated my account was properly investigated and verified that is impossible given the following. 
My account is being inaccurately reported ; because it shows date last active as XX/XX/2023 when in fact there was NO activity XX/XX/2023 on this account. The date opened, and date last reported is also being reported inaccurately. 
This is illegal and fraudulent and grounds for removal. It is a violation of my rights under 15 U.S.C. 1681 section 602A. Which states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the immediate removal of the fraudulent accounts and information you report on my XXXX XXXX. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : 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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, please send me copies of proof of ownership and proof of verification from your investigation. If you can not provide me these documents, please remove the disputed items off my XXXX XXXX at the earliest possible time.
Product: Checking or savings account

The checking account was opened @ M & T Bank last month, I received all banking material at the address on file. I opened a personal account, and business account which has been over a month to date. I deposited a check from XXXXXXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX in which the check was drawn on M & T Bank and it make sense to open an account with M & T Bank due to XXXXXXXX XXXX XXXX uses M & T Bank to issue checks. 
On XX/XX/year> I deposited {$1100.00} USD ( Cash ) into my personal account with M & T Bank, I was notified my account was on hold after my cash deposit. I have a few activity on this account. The bank is not communicating the reason for the hold, nor with the bank release my funds.
Product: Debt collection

profolio recovery and XXXX XXXX wont remove this debt from my credit report. they said its not there business I went to XXXX. they I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX via USPS Priority Mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX originally from XXXXXXXX XXXX, with a balance of {$37000.00}. 

As required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX was supposed to provide validation of the debt within 30 days. They have not responded to my request. 

I am now requesting the removal of this debt from my credit report under 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease collection efforts, including reporting to credit bureaus until the debt is validated.
Product: Mortgage

Complaint purchased a house, XX/XX/XXXX, on an illegal lot, no disclosure. 

On XX/XX/XXXX I entered into a purchase and sales agreement with XXXX XXXX to purchase the home I'm currently living in for XXXX. I live in Maine. Maine is a full disclosure state. Meaning if I'm buying a house thats on an illegal lot then that information needs to be disclosed to me in my purchase and sales agreement so I can back out or not. Nobody disclosed this, I just found out this information recently. I wouldnt have purchased this home if I was aware there is a material defect on/with the property, illegal lot. Its not worth anything. This is fraud and I've been scammed. Rocket Mortgage is aware of their mistakes and won't do anything to fix it. 

I have documentation to provide my statements are accurate. 

Evidence XXXX. Purchase and sales agreement. Nothing about purchasing illegal lot. Maine is a full disclosure state. I received no disclosure XXXX. Property Description from taxes accessor 's office. XXXX acres it what I received. 
XXXX. Email between Attorney and City of XXXX XXXX regarding Urban Residential Zone lot standards developed in XXXX. XXXX square feet is the standard. My house in on XXXX. I'm on an illegal lot with no disclosure. I'm been scammed and this is fraud. My documents don't match what I got.
Product: Mortgage

I have been making extra payments since borrowing the money for my home from South State Bank. It clearly states on my checks that all extra cash will go to the principal. But the principal didn't seem to be going down enough, even with my extra payments and the extra money made with each payment. I also split my monthly payments and pay them bimonthly to save on interest, so I don't know how to calculate my monthly interest. I have never been late on a payment. I have called several times since acquiring the loan in XXXX to ask about the interest. The loan person always told me that there were no mistakes. Then I realized they were putting my principal payments toward future monthly payments and taking out their interest! 
When I realized this, I called South State Bank, and they said, " Well, that's great! You're way ahead and don't owe a payment for months! '' I told them that it wasn't great and that they should go back to the beginning of the loan and calculate my balance if my principal payments were applied correctly, but they wouldn't. This is not right. I'm a XXXX and work XXXX shifts, running non-stop on a busy hospital unit, and work extra overtime shifts every week to pay off my mortgage so I can retire. I'm almost XXXX, so this is not easy. And these people are not allowing me to make interest-free principal payments! I've been slaving away all these years so they can increase their profit. Also, about a year or XXXX ago, I received a notice that my homeowner 's insurance was canceled due to a lack of payment at the beginning of hurricane season! In Florida! I told them I wanted to pay for my own insurance from then on, but they wouldnt allow it. Dont I have a right to pay my own?
Product: Checking or savings account

Capital one is 2 days late with my direct deposit. Bills are due and no funds
Product: Debt collection

This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX2022, I missed XX/XX/XXXX22 and XX/XX/XXXX22 payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.
Product: Credit card

Ive had a credit card with Prosper for about two months. So far, Ive had no missed payments, I pay my bills early and never carry a balance, and there have been no issues with my account. Out of nowhere, Prosper sent me an email that they decreased my credit limit in half from {$1000.00} to {$500.00} with no reason. This has been a terrible experience so far, as I only agreed to apply for this card ( connecting my bank account and affecting my credit score with a hard inquiry ) due to the limit I was promised. I need my original credit limit to be reinstated on this card or an explanation of a direct path to increasing it back to {$1000.00} right away.
Product: Bank account or service

Chase closed all my personal accounts without reason - I am a business and American citizen - haver no overdrafts and use Chase for both personal and business accounts. They are closing the personal but keeping the business open? This is unfair and I feel it is discriminatory since I married a man who is an XXXX citizen and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate correction of inaccurate personal information in my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a partial report highlighting the incorrect information that needs to be deleted.

The accurate details that should be reflected in my report are as follows : Name : XXXX XXXX XXXX XXXX, Date of Birth : XX/XX/year>, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Additionally, I request the immediate removal of all phone numbers and any other incorrect information not pertaining to my accurate identity. The FCRA entitles me to dispute inaccuracies, and I expect prompt action to ensure my report reflects accurate information. 

Please confirm that these corrections have been made and inform me of any additional steps I need to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX, 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.
Product: Debt collection

I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX  and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt.

Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6  ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.
Product: Credit card

Credit card bill amount is printed in XXXX font, in violation of TILA requirements on minimum font size, which I believe is XXXX font or larger. Tiny font is difficult to read and increases the chance of errors, potentially incurring charges that benefit card issuer.
Product: Debt collection

Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Product: Money transfer, virtual currency, or money service

Someone had texted me Monday the XXXX about a job. They said that I will have an interview on the XXXX app at XXXX. During non virtual interview process I was told I was the best candidate and I was hired for XXXX XXXX XXXX  The next morning the scammer sent me an acceptance letter for the pXXXX XXXX XXXX I was then told that I will receive a XXXX check for my working materials such laptop, printer.scanner. I thought okay I found a remote job. I was told to go to a printing store and print the check and take a picture of front and back before deposit it in my account. So I thought okay. I was told to wait for the next day. The next I was told to send XXXX to someone name XXXX. I thought that was strange. I asked why am I sending money to this person and he said it is for your supplies. He then told me to send {$980.00} to someone named XXXX. He then changed it up by saying send XXXX. I tried to send money but the bank stopped the XXXX instead sent him {$500.00}. This is where I got suspicious and said I am not comfortable doing this. I called XXXX at that time I sent the {$500.00}. I had told them what was going on. They said it could be a fraud. I ask them to stop the check for XXXX and the XXXX Zelle payments sent. XXXX tells me that they are going to investigate it. Today I called XXXX about the status and they said they can not do anything about the Zelle payment made to the scammers but they reverse the check out my account and left me still paying the Zelle payment of XXXX. Which has my account with-XXXX have proof of the conversation with the scammers and I have a email of the acceptance letter as well. I have proof that this was a scam. It was a fake company
Product: Vehicle loan or lease

Vehicle was returned and or turned in as trade in. Update and or remove Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for Equifax XX/XX/2021 XXXX conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!