23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, Bank XXXX XXXX, Marcus by Goldman Sachs, XXXX Bank, and XXXX  Fit Loan. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. ( edited )
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I hired XXXX XXXX to pick my items on storage and ship to wa state. The sales person took my information and square footage of my storage unit and gave me a quote with the remaining balance being {$1100.00}. When I arrived in XXXX Texas on XX/XX/2024, the transportation workers told me that I would have to pay a lot more than I was quoted for the amount of items that were in the unit. The people in office quoted me wrong. they failed to pick up my items and deliver them to Washington state as agreed. When I disputed the transaction twice, the bank told me that there was nothing I could do as I agreed to the payment. But the service was not completed.
Product: Credit card or prepaid card

I had a case opened earlier ; but it was closed and I received a letter stating that the case looks to have been computer generated/not submitted by me. The previous case # is XXXX. 
I opened this Purchase Protection Claim with my credit card/eclaims on XXXX XXXX, XXXX. As of XX/XX/XXXX, the claim has still not been actioned on by the provider. After initially submitting the claim, I did not find out that the claim agent needed additional paperwork until I called in 3 weeks later to follow-up on the status ( email follow-ups were not being replied to and required me a call to get any sort of reply ). When I called, the agent on the phone apologized and informed me what documents were needed. I submitted them the same day. I followed up again 5 days later, and I was told that the claim is under review and I would be updated by the latest at the end of the following week. This cycle of me calling in and being told it's under review and to call back end of the following week has continued since. At one point, the claim portal online showed my case as CLOSED and I had to call in to get them to update the status. I've reached out to Chase, XXXX, and Chase Sapphire Reserve over email, and to Chase over XXXX. I'm just told it's under review. When I press for a timeline for next steps, update, or anything of the like, I'm told there's nothing I can do, and no ETA that can be provided. Per the Purchase Protection section of the Benefits guide for Chase Sapphire Reserve : No legal action for a claim may be brought against the Provider until sixty ( 60 ) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than three ( 3 ) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully. Forget the 5 day response time- they're way past even the legal action timeline. 
To date, XXXX. XXXX, XXXX, eclaims and Chase are refusing to give me any information or update aside from they're working on it. Could you please help? 

Additional claim details below. 
File XXXX Claim Type : Purchase Protection/Security Incident State : TX Purchase Date : XX/XX/XXXX Claimed Amount : {$15000.00} USD
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

Calvary Portfolio Service representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from Experian XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 XXXX  21 Experian that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account on XXXX and used my identity to pay an item on XXXX in a totally different location. I called XXXX and XXXX and they confirmed about the transaction. The person that used my identity presented ID card with my name to pick up the item they bought. XXXX did not cooperate with me I field 3 time a report and they keep saying it take 3 - 5 days to get a response. I never received anything like that rather only to pay the loan under my name. I am reaching to you because affirm filed a credit report and now my credit score dropped and I see it on my Experian account. I filed police report, locked my credit file and changed the passwords to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the debt with XXXXXXXX XXXX according to the FCRA laws Section 1681 ( i ) a, I heard that you have to provide proof of this debt, if you can't provide proof of the accuracy of this debt it has to be deleted. There are inconsistencies with balances and dates between the reporting of this debt on XXXX and Experian. I can't get validation to the accuracy of the debt amount. I am suppose to be provided the info to how much the vehicle sold. I have not obtain any written proof to challenge the debt and its validity. The credit bureau sided with the company without adequate proof.
Product: Debt collection

Collections on behalf of XXXX XXXX XXXX - {$1400.00} ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/18 I was to move into XXXX XXXX Apartments. I moved in after-hours on Friday, XX/XX/18. When I entered the apartment, there was a strong foul smell of mold. The apartment was not clean and I was concerned about the shabby construction ( particle board cabinets, kitchen/bathroom counters, and closet walls, and a craft spray-on paint for counter surfaces ; also, visible mold and a water leak under the kitchen sink ). On XX/XX/18, I spoke with on-site assistant manager XXXX XXXX to tell her that the condition of the apartment was not acceptable and that I did not intend to stay. The apartment was completely different from the model I had been shown. She did not offer me options. I stayed a few more days, but the mold smell gave me migraine headaches. On XX/XX/18, I verbally informed Ms. XXXX I would be vacating before the end of my first month. She said I'd need to speak with the Property Manager, who was away on vacation. On XX/XX/18, I met with Property Manager XXXX XXXX and told her I would be vacating before the end of the month ( XX/XX/18 ) primarily due to the hazardous condition of the apartment - a bait & switch, but also due to having lost my job in a workforce reduction lay-off. I paid {$660.00} XXXX on XX/XX/18 ) for first month 's pro-rated rent and utility deposit, and {$250.00} rent deposit ( on XX/XX/18 ). Per my conversation with Ms. XXXX, I cleaned and vacated the apartment on XX/XX/18. On XX/XX/18, I emailed Ms. XXXX to inform that keys were being mailed back, utilities already shut off, and I attached both my Move-In Inspection Report and photos of the poor condition of the apartment. I sent keys via Certified Mail on XX/XX/18. I did not hear from XXXX XXXX XXXX until a " Notice Of Intention To Impose Claim On Security Deposit '' arrived XXXX dated XX/XX/18 ). The letter stated they were keeping my full deposit and subtracting it from a bill for {$1700.00}, leaving me a balance to be paid of {$1400.00}. I could not and did not pay this sum. This matter has been turned over to a collection agency, derogatory marks have been placed on my credit reports, and solely due to this action, my credit score is declining. I will not be able to purchase a home and can be denied employment for this action.
Product: Mortgage

case number XXXX XXXX of XXXX this is concerning house on XXXX ohio XXXX about three or four years ago I borrowed {$120.00} our payment was XXXX a month we paid it down to about XXXX to XXXX when OBama came up with the modification loon we thought that would be good so we could have some extra money to help our children. when I called chase the lady said that we had never been late or behind so the only way we could get help was to stop paying or payment when we heard from them they said to send in XXXX.for 3 month trial then they would work out a payment plan then they said that time had lapsed and we would have to send XXXX for 3 month then XXXX then XXXX then XXXX up to XXXX is what they wanted they would n't work with us we ended up in court in the meantime we received a XXXX check from chase for or part where chase had done homeowners wrong. then chase sold us out to XXXX but chase continued to take us court in the meantime raven cook called me and said she had good news that my payment would be XXXX and that included taxes and insurance and that now we would n't have to go back to court.we sent in XXXX or XXXX payments then back to court again I told the lawyer that I had what raven said on tape a couple days latter chase sent our last check on payment back we were in foreclosure the bank bought it for XXXX and turned it over to a realtor then another realtor.i had a realtor to check with them and they said that no one related to us or by marriage could ever get the house back. we had an attorney who was trying to work with us and possibly even renting the house it seams like a night mare.one morning there was knouk on the door it was a sheriff with an eviction notice and people to seat our possessions out of the house I told them or attorney said that we had at lest two moor months but they said today it was raining awful they put our things out in the yard it rained for three days a lot of our possessions ruined our couch is still in the yard where are my pictures & & & my wife is XXXX and I am a 100 % XXXX XXXX veteran I went off to war and thought that we was doing right. XXXX of us died and over XXXX of them that died then. my country let chase bank steal my house this has been very stressful on us both. we also have a son that has XXXX that was affected by losing our house we would have been so much better if we had n't ever heard of a modification loon where is my help many other families have lost their homes also by modification PS I WANT MY HOUSE BACK BEFORE IT IS SOLD FOR WHAT WE WENT THROUGH AND OUR STILL GOING THROUGH WE SHOULD NOT OWE ANYTHING I THANK THAT JPMORGEN CHASE WE SHOULD BE PAID THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX
Product: Debt collection

They called and said the call was being recorded and asked my name and address. When I asked who they were they only stayed their name and said " this is not debt collections or a solicitor I am calling about a personal matter ''. I asked again who they were and they provided an old address and asked for me to confirm it was my address. I said no and they said they would mark my number as a wrong number and hung up. 

The woman said her name was XXXX XXXX. 

I called back and asked what company they were and she said IC System.
Product: Debt collection

On XX/XX/ I made what I was told by the representative on the phone at Upstart my final payment and that my payment would take 7 days to reflect on the account and that since it was made before XXXX XXXX  it would not be considered 30 days past due since my payments were due on the XXXX of each month. She told me congratulations once the payment was made because the computer told her that it was my final payment and I asked if I would get an email reflecting my final payment and that I no longer owed them anything and she said yes I should get something from them. It is now XX/XX/XXXX and they have been calling me nonstop and today they said that a technical difficulty occurred and that the payment did not go through. That technical difficulty is not my fault and my credit report should not reflect a missed payment or the over XXXX XXXX drop because of their error. I want this removed from my credit reports. All of my other bills got paid that day from the same account but that one had a " technical difficulty ''. They are saying it will take 45 days so add the 42 that they say I'm late already and that's 3 months that my credit report will look this way and continue to drop because of their " technical difficulty ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting or other personal consumer reports

I'm writing to take a gander at my XXXX concern concerning the attempted records recorded on my credit report. I have truly drawn these mistakes out from the shadows and have essentially on different events suggested an exhaustive evaluation. At any rate, paying little brain to what my expected endeavors, I very can't get any goal or restorative activity. 

These stirred up records are truly influencing my credit report and are essentially obliterating my capacity to have a standard presence. The confining consequence of these mistakes has caused XXXX inconveniences for me, and I'm left with no decision near look for your nearby help with surveying what's happening. 

I thoughtfully demand that you lead an exhaustive evaluation concerning the choosing of these attempted records. It is key that the major advances are taken to restore and change my credit report immediately. With your assistance, I truly need to reestablish the precision and uprightness of my credit record, permitting me to recover command over my cash related achievement. 

I truly demand that you propose this matter your generally ludicrous idea and make a rapid move. Your joint exertion and moving in settling this issue rapidly would be enormously colossal. 

Much appreciation to you without a second thought for your appreciation and help.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX all this inquiries reported to my credit report by some one who has my info and try to open credit cards.
Product: Credit reporting 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 as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. 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

This complaint is regarding Experian 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in two automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by Experian twice within the last 7 days. 

This seems like double jeopardy. XXXX sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? XXXX or XXXX XXXX. XXXX must comply with the terms that were made after they sold the debt.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a {$900.00} loan from Fundo in XX/XX/XXXX. I made weekly payments to satisfy the loan until XX/XX/XXXX. At the end of the loan cycle, where all payments were made and loan was satisfied, Fundo began to say my loan went in default -although the loan was already paid off as of XX/XX/XXXX. XXXX took advantage of my lack of knowledge on the status of my loan and continued to charge me through out the year. Fundo then began to add fees and for a {$900.00} loan I have been charged {$4700.00} in total as of XX/XX/XXXX. Regardless of this, Fundo still continues to demand money from me in spite of the original payment terms being paid off in full and continues to state that I still owe additional monies for the loan.