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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : DPT EDXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved to XXXX  on XX/XX/2015 Permanantly. But I had noticed that someone ( maybe my room mate ) had stolen my information and opened the credit card and used it. 
I lived in XXXX and I was in XXXX  for short period of time but I think that happened while I was in XXXX. Please remove it from my credit report. 


XXXX Acct # XXXX
Product: Checking or savings account

I filed 3 reports of fraud on my Chime banking account. The first was late at night and during the night it was closed. This proved to me the system automated its response and didnt actually investigate. I filed two more reports shortly after of other instances of fraud I find on my account. One was returned by the company that charged it. The other is outstanding. Chime took slightly more time to investigate, but still reports they found nothing wrong. They refuse to take a statement from me and listen to what I had to say. I even provided proof after the cases were closed and they refuse to open the case again, even after saying they would. I looked online and Chime has a long, long record of this issue. They refuse to stand up and protect members from fraud. They even made several news stations for this issue. At this point, I believe the company is willful negligent.
Product: Credit card

I am filing this complaint regarding a dispute with my CHASE VISA BUSINESS UNLIMITED CARD. 

On XX/XX/XXXX, I mistakenly paid the HOA fees for another resident due to an address error, resulting in two incorrect charges : {$1900.00} to XXXX XXXX XXXX. 
{$880.00} to XXXX XXXX XXXX. 
After realizing the mistake, I disputed the charges with CHASE. On XX/XX/XXXX, after the HOA agreed to transfer the fees to my account, I closed the dispute. However, CHASE had already returned the payments to my account. The HOA now states that they never received the funds after CHASE canceled the dispute on XX/XX/XXXX. 

CHASE has given me conflicting information, with the latest being that the fees were sent to the HOA again on XX/XX/XXXX and are supposedly with the HOA 's bank. However, CHASE refuses to refund the fees or provide any further solution, claiming we are beyond their policy window for disputes. The HOA requested a trace number or a transaction number to validate and locate the XX/XX/XXXX payment. 

I have spent four hours on customer service calls with CHASE, being transferred multiple times and even hung up on. Despite my efforts, CHASE refuses to provide any verification for the XX/XX/XXXX payment. 

Meanwhile, my new HOA fees are due on XX/XX/XXXX, and I had to pay again to avoid late fees. I am stuck in a stalemate, with the HOA stating they can not see the payment, and CHASE claiming that they sent the payment on XX/XX/XXXX but can not provide any more details or cancel or dispute it again. 

As a result, I am out {$2700.00} and am unable to resolve this issue. I am seeking assistance to recover my funds, as neither CHASE nor the HOA is willing to help me locate the missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, XXXX  and Equifax are still reporting this inaccurate account with different information, which is in violation, delete per violation. XXXX  reporting high credit as zero, and Equifax is reporting high credit as XXXX, this is different information, delete this account. In addition, XXXX  is reporting two-year payment history as unknown and yet Equifax is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of my credit report.
Product: Credit card or prepaid card

On XX/XX/2017 another company took over this account. I reached out to the original company they never notified me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$9500.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint against, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for notice of dishonor, violations of Truth In Lending Act, Fair Debt Collections Act, securities fraud, and Fair Credit Reporting Act. I obtained a loan through XXXX XXXXXXXX, dating XX/XX/2022, of {$12000.00}. A promissory note was signed electronically and submitted. Payments of {$410.00} were electronically debited from my account monthly. After conducting some research on the company and the bank listed on the promissory note, XXXX XXXX XXXX, I found their Prospectus Summary and XXXX XXXXXXXX Asset Backed Securities form, with the securitizer named on the documents, I realized that my credit application and floating rate notes, tendered and electronically transferred into the account, was converted into receivables and sold to investors on the secondary market as stocks, and beneficial interests, the form of dividends, payments, and interests transferred to the investors and to Bank, of which these credits are derived from my Trust and my account. This constitutes as securities fraud to dishonor and not render the securities and the profits from the selling and trading and reassignment of my promissory note and floating rate notes for setoff and discharge, with satisfaction of the obligation. I was given valuable consideration and there was acceptance of my presentment, with credits to the account, and reported as paid and closed. There have been several presentments sent to the company, of which they have kept them all ( see exhibits and proof ). When XXXX, changed and misreported my balances, I spoke with them about the promissory note, and asked who is the Holder in Due course of the note. I even asked for copies of billing statements, and their XXXX. They have refused to send me any documents, to include billing statements, promissory notes, stating there was never a promissory note and billing statements are not legal. They have only sent a payoff letter, which doesnt reflect any of the true balances. The login for my account, also doesnt reflect any of the history of the payments and credits to the account, it gives an error message. I have attached exhibits of the payments and credits to the account, along with proof of the credit of XXXX tender of payment, pursuant to XXXX. XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX XXXX XXXX ], certified securities sent in certificated form. They have recently incorrectly reported my account 120 days past due, with an incorrect balance due on the account, after refusing to work with me and send me the legal documentations required by law. In addition, they have committed fraud by transferring, reassigning, selling, and trading the securities on the secondary market
Product: Checking or savings account

On XX/XX/year> I opened a Fraud claim to my bank for some transactions made in XXXX I noticed fraud on my account for transactions made with my XXXX debit card XXXX, I noticed this on XX/XX/XXXX and I proceed to lock the card at the same moment through the online banking. The total amount for the claim was {$65000.00} On XX/XX/year> the bank sent me a letter saying that they cant process the fraud claim saying that my card was present. 
This was fraud due " card lost '' so its impossible that the transaction were authorized using the pin. Also I never set up a travel alert to XXXX on the app or calling the bank. 
The bank didnt follow the rules for the transfer act and regulation E and Z.
Product: Credit reporting or other personal consumer reports

Experian has 7 fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad experian is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX  account thats on my report please have removed because its fraudulent I didnt open any XXXX account
Product: Credit card or prepaid card

LVNV Funding LLC of XXXX. XXXX XXXX XXXX south Carolina XXXX has been sending me past due payment notices in the amount of {$68.00}. The collectionhas been reported also as a past due balance. I do not know this company. I have had no business with this company. This company could not and does not have a contract with my legal signature on it.
Product: Mortgage

I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as XXXX XXXX  as my servicer. The insurance was paid through my escrow during closing. XXXX XXXX transferred my loan to Lakeview Loan Servicing in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. Late XXXX of XXXX I received a letter stating Lakeview Loan Servicing would be placing lender place insurance on my home. I called Lakeview loan servicing and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment XXXX XXXX and Lakeview loan servicing violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate or provide new coverage due to non-payment. I have to seek different at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items ( also, certain government loan programs or lenders may require escrow accounts as a condition of the loan ). Neith Guaranteed nor Lakeview can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of Lakeview Loan servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements the servicer breached the contract when they failed to make payment, my mortgage has increase, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account.
Product: Vehicle loan or lease

In XX/XX/2019 A car loan for {$19000.00} was taken out in my name fraudulently ( wasnt me or nor did I give anyone permission to do so ) with Credit Acceptance Corporation ( Loan Account # XXXX ). During the time this loan was taken out I was incarcerated ( see attached ) there is no way I would of able to take out this loan. Ive submitted a police report, identity theft report, jail release papers, and commitment paper to show I was incarcerated.
Product: Credit card or prepaid card

Navy Federal has placed several accounts on my 3 credit bureaus that are not mine. I am a victim of identity theft. A hacker got my personal information from the XXXX XXXX due to the XXXX  Data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XXXX untill XXXX XXXX this account was not activated or used by me. I need disocver to stop reporting this account. this account was inactive since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you 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 alleged fraud or extortion 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: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The entire Debt was paid to Sunrise Credit Services XXXX XXXX located at XXXX XXXX XXXX XXXX - XXXX XXXX, XXXXXX/XX/XXXXon XX/XX/year> although I had been disputing the charge with the optimum cable I decided to pay and dispute withXX/XX/XXXXdirectly because I didn't want the notification left on my credit report. I have called a few times to find out when they will be reporting the improved account to the credit bureau and they keep stating that the report went out in XX/XX/year> to the credit bureau then I call again today and they said the report went out to the credit bureau on XX/XX/XXXX but it still shows as collections on my credit report. To begin with, the person at sunrise I spoke to when I received the alert was extremely rude and nasty so I requested to be transferred to someone else that would help in a better manner. Everything seemed a little off with the entire structure and process with this company and I am still having to deal with them because they keep telling me a different story every month. I paid what was due when I received the notice but to get the improved account rectified with them submitting it to the credit bureau has not been as quick.
Product: Credit card

I received a low APR credit card balance transfer offer from XXXX. 
On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. 
{$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. 
On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. 
I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. 
I contacted USAA and got a run around explanation. 
On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. 
On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. 
As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. 
Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. 
Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. 
If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. 
USAA has never delayed any of my other electronic payments - they are posted almost immediately. 
It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. 
I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.
Product: Mortgage

The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL XXXX XXXX
Product: Checking or savings account

Account was opened XX/XX/2018 with BBVA. There was an offer for a {$200.00} bonus for opening a checking account with a {$500.00} balance and maintaining for 3 months. There was also a {$50.00} bonus for opening a savings account and maintaining a {$100.00} balance for 3 months. 

BBVA Compass asked if I would like to opt out of paper statements ( {$3.00} fee ), I said yes. They still charged me for a paper statement on the savings account, causing it to go under {$100.00} and they refused to send the bonus even though I opted out. They did not disclose that this only opts out of paper statements for the checking account. 

They also would not refund the {$3.00} charge even though I contacted them immediately. This bank is shady and hides what you are really opting out of. I believe I am owed {$50.00} for maintaining my balance.
Product: Mortgage

I was a customer with Wells Fargo from XXXX. Their were issues with my home mortgage and I could never get assistance to keep me from going into Foreclosure although I submitted all the documentation they requested, it kept " getting lost ''. I ended up selling my home in XXXX. 

I also had a checking and savings account with Wells Fargo during this same time period and their were problems with the account all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made previous complaints with you about this XXXX XXXX account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX XXXX XXXX Balance : {$0.00}