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

The issue I am having is with a debt collector reporting on my credit, by the name of Credence Resource Management. They reportedly bought the debt from XXXX XXXX The issue with this is, that it was a joint account ; and the amount due was for a payment on new smart phone devices that were signed for and had the signature of the other person on the account. I went to the XXXX store at the time it was added to my bill, and fought with XXXX, because I was closing out the account with this person. We came to an agreement I would pay the cancellation fee of the account which was {$600.00}. This happened in XXXX of 2016. They agreed to take my name off of the account once I paid the cancellation fee, and put the remaining balance in the amount of {$2700.00}, in his name ; since the signatures for purchasing the devices was his signature. I am not responsible for this debt, I payed XXXX what I owed, and my name was to be taken off the account. Please remove my name from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Credit card

I am submitting this complaint regarding my recent dispute with Chase Bank concerning a refund for a product purchased from XXXX ( XXXX # XXXX ). 

I made the purchase on XX/XX/year>, and returned the product to XXXX as agreed. On XX/XX/year>, XXXX confirmed receipt of the returned item and initiated the refund process upon my cancellation of the dispute with Chase, as requested by XXXX. However, as of XX/XX/year>, I have not received the refund. 

XXXX claims that the refund was processed via their payment XXXX on XX/XX/year>, and indicated that the amount should have appeared in my account within 5-7 business days. However, after multiple follow-ups with Chase, I was informed that no refund has been credited or is pending on my account. 

XXXX has denied my dispute despite clear evidence provided, including confirmation from XXXX of the refund initiation and my bank statements showing no credit has been applied. I have communicated with XXXX regarding the missing refund, and they have stated that they have no further control over the situation and that it is now entirely in Chase 's hands. I have also searched my statements for any transactions related to the dispute, but none were found. 

Despite following their instructions, I have not received any resolution or clear timeline for when the refund will be processed. I am now left without my funds over a month after returning the product. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist me in resolving this issue with Chase Bank and ensure that I receive the refund that is owed to me. 

I have attached the following documentation : Complete email correspondence with XXXX. 
Credit card statements from the start of the incident to today, XX/XX/year>, showing that no refund has been made. 
Proof of return of the product to XXXX. 
Thank you for your assistance in this matter.
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 one late payment on an account that was paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your, understanding and prompt action
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I checked my online chase bank account, I saw three fraudulent checks {$3000.00}, {$2400.00} and another {$3000.00} withdrawn from my checking account. I called XXXX XXXX department at the same night. They froze my account. 

After my chase checking account was frozen, there were two checks by the Telecheck services automatically rejected by XXXX. All fraudulent activities seems happen around New York where I stayed at Texas and never been to New York for the last 10 years. 

XXXX has investigated the fraud and refunded my account. 

Telecheck services sell the two rejected checks to debt collectors, I have responded with the debt collector, but Telecheck services continue to sell the debt to different debt collectors.
Product: Credit reporting

While checking my credit score XXXX is showing a lein on my home by Ford Motor Credit LLC. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; 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 Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ;
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Began refinancing process with InterContinental Capital Group XX/XX/2020. The refinancing was my house as well as a duplex I own. I previously submitted a complaint ( XXXX ) which get their attention and they finally got our refinancing done for my home about two weeks ago. I am still trying to find out the status of the refinancing on my duplex. In spite of my continued emails and phone calls, I cant get anyone to answer me. At this point ( its been 8 months ), I want to know if the loan is ever going to happen or if I should just go with another loan company. People I have talked to during this loan process ; XXXX XXXX ( senior loan officer ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processer ) XXXX X XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened:XXXX Balance : {$2400.00}, XXXX XXXX Date Opened:XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$29000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$22000.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$6700.00}, XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$6600.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$9100.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

For approximately the past XXXX years I send an online transfer from my account to my sister once a month. During the past XXXX  months the request is put in review and and the money doesn't transfer. I call the XXXX number they provide to get the funds transferred and I am told it will be sent, it does not happen. So the past XXXX  months I need to go to the Santander branch XXXX and have him make call to have the transfer completed.
Product: Debt collection

Pursuant to 15 usc 1692b TrueAccord is a 3rd-party debt collector they've stated I owe an alleged debt to XXXX. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
TrueAccord has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with TrueAccord Pursuant to 15 usc 6802 XXXX has violated my rights by providing my personal information to TrueAccord Trueaccord is also in violation of 15 usc 1692c because I XXXX XXXX did not give TrueAccord my consent to communicate with me about alleged debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ____________________________________________________ 15 USC 1681i 15 USC 1681b - INQUIRY : XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX Equifax Information Services LLC XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX
Product: Credit reporting or other personal consumer reports

South State Bank had a date breach in which hundreds of customers social security numbers were released including mine. Then, they offered identity theft monitoring thru and unknown poorly rated company. This is my social security number with my name and account number!!!! Now they're buying the cheapest monitoring. This is totally unacceptable. Only top rated companies such as XXXX, XXXX or XXXX XXXX should be used for SS number breaches. This will follow me for the rest of my life and XXXX year of coverage is not enough!!!
Product: Mortgage

I work in the real estate industry and own several properties. My current residence 's loan was transferred at the end of 2021. We are now in XXXX and I have received notice that my homeowners insurance has not been paid and now I don't know if this house is currently insured. Additionally we had an escrow shortage due to a tax increase which I want to pay up front instead of the additional payment every month. And I have PMI which I want to have removed from the mortgage as we have reached that limit. 

This company is costing me money and potentially putting us at risk. This is completely unacceptable and I don't understand how a loan servicer is allowed to operate like this. It should be illegal and should require them to sell their company and loans to a competent loan servicer. 

I have read several reviews of people who have had very similar issues. Please do something about this, it is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Product: Credit card or prepaid card

so i got unemployment and they put my money on this card well i have been with out a job for a while and my bills are pretty high so i go to get some money out of the ATM at the bank and it do not let me. I called the bank and stayed on hold for over a hour, talked to a person at the bank he told me it was a security thing so he fixed it and told me to wait an hour and it would work n it did that was the 2nd day i got the 2nd card they issued to me because the first card never came anyways that was that day i needed more money so i went to the bank and tried to do get my money and it would not let me well long story short for the last week and a half i been calling the bank and been put on hold for a hour to almost 3 hours on hold for there person that deals with this issue every day and today i tried to transfer money to my moms card and it kicked me out of the site and canceled my card too. Im staying in a hotel right now because Im homeless and i dont know what im gon na do to pay for this hotel. its is a inconvenience and i feel like i cant do what i want to do with my money. i need to pay bills and people i owe. My car is broken and i have enough to by me a OK little car or even fix the one i have but the bank holds my money like its theirs and only let 's me get out what they want me to get and when they want me to have it. Its a per payed, why is it a problem with me getting out {$2000.00} when i want or if i want to get more its already in there its not like its credit. i also read the booklet that came with the card and i told the lady, a lot of places dont take the bank card why is the when your paperwork says '' its taking everywhere visa and master card is taken " she told me that was not true and it did not say that. When i have the paper in front of me and it clearly states it on the paper that came with the card. I have had nothing but problems with this company its the worst bank i ever had.