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

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The XXXX XXXX XXXX XXXX, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if TransUnion, XXXX and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE.

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and TransUnion XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX ( {$320.00} ) - TransUnion - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. My XXXXXXXX XXXX  accounts have inaccurate information regarding a pass due status. lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.
Product: Debt collection

I received a letter dated XX/XX/XXXX on XXXX XXXX, XXXX from Synergetic Communication , Inc. requesting a reduced payment on a XXXX   XXXX  account that was discharged in a bankruptcy in XXXX. The letter stated the current creditor is XXXX XXXX XXXX XXXX and original creditor is XXXX XXXX. Balance due is {$1400.00} but {$360.00} will be accepted as full payment and payment must be received by XX/XX/XXXX. 

There is also a statement at the bottom that says that this debt is too old for me to be sued as it is beyond that statute of limitations and I can not be required to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results
Product: Mortgage

We sent wire transfer payment, through XXXX XXXX XXXX for our mortgage payment in the amount of {$2500.00} on XXXX XXXX, 2015. The payment was rejected by NationStar Mortgage. We called NationStar Mortgage and spoke to upper manager XXXX XXXX ext. XXXX. He assured me that if I sent a new wire transfer, Monday XXXX XXXX, 2015, that it would go through without a problem. I followed his exact instructions and on Saturday, XXXX XXXX, 2015 I checked my bank account and they have rejected our payment a second time this month. They are closed today, since it is Sunday. We are simply trying to pay our mortgage and NationStar is not allowing us to do so.
Product: Credit reporting or other personal consumer reports

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/scrub>XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the three major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my FICO score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Product: Debt collection

This organization has placed a negative report on my credit. I have never heard of this organization. I have responded to their allegation of debt, found they bought this debt from yet another entity I have not heard of. 

Since I do not own any credit cards and never have, I could not have opened up such an account as is alleged. I do not sign any contract unless it is in front of me and I can sign it with my wet-ink signature. I DO NOT sign any contract electronically or online as that is not a true binding contract. 

This organization needs to show such a contract for this debt to have anything to do with me, as I am certain I never contracted as they allege.
Product: Mortgage

this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!
Product: Consumer Loan

Starting in XXXX of XXXX, I became apprised of my rights under the FCRA regarding a repossession of my BMW. I contacted the bureaus and BMW directly because in XXXX XXXX my car was repossessed. I became XXXX and made payments for as long as I could. Simultaneously I was in danger of losing my home, which eventually happened in the same month. I was told that if I surrendered the vehicle it would be recorded as a " voluntary repossession ''. This was not the case. Further, according to the laws of the State of North Carolina UCC 25, and the State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I assert that because I lost the home, I was never provided with the notices and was also denied an opportunity to cure. The paperwork was not forwarded until months later. Moreover, the FCRA requires that all information regarding this account are accurate and true. One of the bureaus shows the vehicle as a charge off, where I know BMW received a credit on their taxes for the amount they claim in XXXX. The other bureaus show that the account is open, which is inaccurate. The amount of the charge off was reported incorrectly for several years. When I brought this to BMW 's attention and they updated the amount, but not the status of the account. This account has caused me continuous hardship and is being reported incorrectly. Lastly, under Section 1-52.1 of the North Carolina Rules of Civil Procedure , the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. This debt is no longer even collectible.
Product: Debt collection

On XX/XX/XXXX, I applied for a new apartment. I listed XXXXXXXX XXXX  in XXXX, XXXX as a previous landlord reference because I had assumed there was no issues between us and XXXX. However, XXXX informed my new apartment that I owed them {$3700.00}. 

I left XXXX in XXXX to move to XXXX XXXX and this was the first I had heard of this supposed debt. My e-mail hasn't changed, my phone number hasn't changed, my roommate 's e-mail and phone hasn't changed. Additionally, despite it being a joint account, he is not being marked on his credit report. 

I requested information from XXXXXXXX XXXX  but they deferred me to Assurant/IQ and never responded to me again. The original call to Assurant/IQ showed no debt had been sent to them. I received a call a few days later saying they had the debt now, but when I requested more details about the debt past " damages '' they did not provide any. I informed them I was going to be requesting information by mail. 

The next day or two ( unknown exactly when - around XX/XX/XXXX - I have a receipt somewhere, but I moved to another address in XXXX so it is buried ), I sent out an official letter requesting all information regarding this supposed debt to be sent to my current address. 

Since I had sent that letter, I received no correspondence through mail, phone, email, or otherwise. I assumed this meant the debt had been dropped as they can not prove its legitimacy. 

On XX/XX/XXXX, my credit score dropped significantly and a mark had been made that this debt had not been dropped. I have still not received any information. I have not even received a call or a letter from Assurant/IQ informing me of how I can contact them, exactly how much they want me to pay, or what the debt is for. 
I have received no billing statement or account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act states everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX 
Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX  Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX Account : XXXX ) Has violated my rights XXXX ( XXXX Account : XXXX ) Has violated my rights XXXX XXXX Account : XXXX Has Violated My rights XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information posted on my credit report with Experian. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. Experian is violating my rights by continues to report inaccurate information to my credit profile. 

First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Third Request : Certified Mailed XXXX XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. 

1. Who verified these accounts?

2. How were these accounts verified?

3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If you UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately Experian has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Product: Bank account or service

I 'm a XXXX. XXXX, I changed my password to my online business banking profile at Chase. Since then ... 
XXXX My Quickbooks online account will no longer automatically download my banking transactions from Chase, even after I changed my credentials in Quickbooks XXXX I 'm now paying my bookkeeper to perform manual downloads of banking transactions from Chase, followed by manual uploads of the transactions to Quickbooks XXXX I 've opened a case with Quickbooks ( # XXXX ), and their customer service claims there is a problem with Chase XXXX Quickbooks has partially refunded my subscription, due to this issue & gt ; No one at Chase can provide me an answer on this particular issue XXXX I 've read a XXXX story that indicates Chase is now blocking services like Quickbooks, here : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds was impossibile and that tracking transactions was unfeasible. The XXXX 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit card

I made a former complaint about this issue, still no resolution to the problem still getting charges. Just received another today from XXXX once again another fraudulent charge. American Express still done nothing to resolve this and let the fraudulent charges to keep rolling into my card and expecting me to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Other financial service

In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them.