23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On today, XX/XX/year> at XXXX, I received a text from Chase stating that they needed more information about my personal and business accounts and I needed to take action and contact them or my accounts will be closed. I also received 2 emails stating the same thing. I tried logging into my mobile app and got the notice that my account was locked due to unusual activity. I called the number that was given in the app and was told by a representative that Chase decided to close my account for suspicious activity which made me request to speak to a supervisor. I explained that the e-mails and texts stated they needed more information from me or they would close the accounts but I was told they made a decision to close the accounts. supervisor told me that Chase was closing my account and the reason for closure was private information. That makes no sense since it's my money and not Chase 's and if something is unusual, I should be given a reason why. I asked to speak to someone above him and was told that his supervisor wasn't available and he could escalate the call to him but it would take time for a call back. I even asked which department made this decision and he told me that it's an inner department and they don't speak to customers or take emails from customers. Chase has me at a disadvantage because I need my account to conduct business
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Dates are blurry due to it being some time ago and having bad memory. Moved with my ex partner to an apart on XXXX XXXX. For some reason he couldnt get the internet connection, so it was put under my name. Everything was paid on time. Until the end of our lease. His behavior was getting worse, he ended kicking out the house. Lease ended and I was never allowed backed in. I thought he paid for the wifi and returned the box. Couples of month later the calls began. I let them know I no longer lived there and had no way to get in and return the box. Month later its now it collections bc the last payment is as never made even though it was pulled out of my bank account bc it was auto payments. The box was never returned even though I let my ex partner know. The calls were very frequent at least four times a week, this went on for three years until they report it on my credit score. I made a dispute but it was tossed. I have information on my ex partner if its needed. Time line is XXXX XXXX  XXXX
Product: Mortgage

During the application process, several forms were not signed by my wife. This includes the appraiser and disclosures. 
DHI mortgage calculated our income incorrectly in the application process. My wife receives XXXX XXXX XXXX. As part our children receive XXXX XXXX The loan process calculated their income as individual but was actually total. They should not have included my daughters as she was XXXX XXXX XXXX. That is within 2 years of a review. 
We then found out during difficulties with warranty work we were deceived. DR Horton provided us the following written statement " The Customer Care Team is committed to making your home buying experience delightful and enjoyable. They defaulted several times on that statement as that prevented us from walking away from the deal. We were told the warranty issues are never difficult. We have over XXXX denied warranty requests, XXXX which have lead to personal injuries due to their defects. 
My wife and I were not have provided over $ XXXX in down payment if we knew the home would need {$60000.00} in repairs the first month. Without that down payment, we would not have been approved. 
We are seeking from XXXX and the FBI for the wire transfer fraud of DR Horton.

DHI Mortgage was to provide a {$4000.00} credit. This credit was concealed in the fact the price of downpayment and finanicing price was increased {$2000.00} each
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

they where takin money from me then i woke of to a violation and closed account because i questioned them about my account i could only chat with them thru cash app chat they wouldnt give me customer service i asked to talk with someone they told me i couldnt and i had to send emails and chat then they email me back and said they have looked over my case and made the decision to close it for wat reason i have no idea when i was looking for cooperate number are to talk to someone i couldnt
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I am unaware of them, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under XXXX and Experian. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in XXXX it shows XXXX & in Experian it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX  children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.
Product: Credit card

On XX/XX/XXXX, I noticed suspicious activity on my credit card where an unknown account was linked to my credit card. A payment in the amount of {$4000.00} was made using that account, I called the back to notify them, that this was not my doing I wasnt the owner of that account and I never make over the phone payments. I was told that at the time they couldnt do anything but in a few days the amount should drop off, which it did. On XX/XX/XXXX th he at B amount was returned to my card bringing me over the limit, I called the bank explained the situation and was told they were opening a fraud investigation and that theyd have to manually remove the return, on XX/XX/XXXX they closed all my credit card accounts for fraud. I did not in any way commit fraud. I reported the activity and I am being treated like a criminal. This is causing more financial stress as it is going to affect my credit. It is causing mental and emotional anguish to me as a customer of the institution. No one at capital one called me to verify or go over the fraud that was reported. They closed my credit card accounts with no justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS VIOLATING THE LAW.I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX..ACCT : XXXX late payment. XX/XX/2021 30DAYS XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Two days ago my venmo account was locked after receiving half of a rent payment from a new roommate. They requested government ID and I sent it immediately. They refuse to actually expedite or explain anything through support. My rent is now late due to the fact that they haven't done anything to remedy this issue they created.
Product: Credit reporting or other personal consumer reports

Hard time to getting XXXX authorized inquiries off my report after letting rep know my rights and letting know it was XXXX authorized and i did not give my permission the disputes are as follows XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a particular account since XXXX. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.
Product: Credit reporting or other personal consumer reports

All the collections on my account are fraudulent please have them removed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.
Product: Credit reporting or other personal consumer reports

Contrary to my rights under the Fair Credit Reporting Act, LexisNexis has a ) maintained inaccurate information that was previously disputed on my report, b ) not provided " a description of the procedure used to determine the accuracy and completeness of disputed information, '' and c ) not " [ furnished ] notification of the deletion of disputed information ... who has received a LexisNexis consumer report ... '' Including but not limited to the following inaccuracies still remain, referencing the 42-page document with Consumer Number : XXXX and Case Number : XXXX : On Total Pages 5 of 42 : - XXXX XXXXXXXX is not my name. ( inaccuracy ) This record needs to be disputed. 
- XXXX XXXX is not my name. ( inaccuracy ) This record needs to be disputed. 
- XXXX is not my date of birth. ( inaccuracy ) This record needs to be disputed. 

On Total Pages 6 of 42 : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not a valid address ( inaccuracy ) and is contained within multiple entries ( on Total Pages 7-9 of 42 ) within this report. This record needs to be disputed. 
- XXXX, XXXX XXXXXXXX is not a valid address ( inaccuracy ) This record needs to be disputed. 
- INVALID is not one of my phone numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX is an unrecognized source. ( inaccuracy ) This record needs to be disputed. 

On Total Pages 14 of 42  : - Under Record 3, name " XXXX XXXX '' is invalid. ( inaccuracy ) This record needs to be disputed. 

On Total Pages 19-20 of 42 : - Under Record 1, " XXXX '' was not a policy I was insured under ; the record is invalid ( inaccuracy ). When this record was disputed with LexisNexis, LexisNexis failed to remove the record and also failed to provide " a description of the procedure used to determine the accuracy and completeness of disputed information, '' a consumer right under the Fair Credit Reporting Act. This record was already disputed and mis-handled by LexisNexis. 

On Total Pages 21 of 42 : - Under Record 3, I was never licensed in VA nor have a date of birth of XXXX ( invalid birth year ; inaccuracy ). This record needs to be disputed. 
- Under Record 2 ( at the bottom of the page ), the court never ruled a conviction of " EXCEED XXXX OR XXXX XXXX FOR ALL VEHICLES BY XXXX XXXX. '' This record needs to be disputed. The conviction was, as the record ( Record XXXX ) right above states and rather, " VIOLATE HAZARD REGULATION. '' On Total Pages 22 of 42 : - Under Record 3, it says the conviction was " XX/XX/25 SP. '' This record needs to be disputed. The conviction was, as the record ( Record XXXX ) below states and rather, " XX/XX/25 SPEED. '' On Total Pages 29 of 42 : - " XXXX '' is not a policy I was insured under. When this record was disputed with LexisNexis, LexisNexis failed to remove the record and also failed to provide " a description of the procedure used to determine the accuracy and completeness of disputed information, '' a consumer right under the Fair Credit Reporting Act. This record was already disputed and mis-handled by LexisNexis.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis for failing to adequately respond to my dispute letter, which I sent via USPS Certified Mail ( Tracking # XXXX ) on XX/XX/year>. 
In my letter, I challenged the following inaccuracies on my LexisNexis XXXX report : XXXX Personal Information XXXX Accuracy and Verifiability of a Bankruptcy Record Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to USPS tracking, LexisNexis received my dispute on XX/XX/year>. Despite fulfilling all necessary requirements, I have not received any response or resolution. It has now been over 30 days, and LexisNexis has failed to investigate or communicate any findings. 
Under the FCRA, consumer reporting agencies are legally required to conduct a reasonable investigation of disputed items and provide a resolution within 30 days. LexisNexiss failure to comply with this obligation constitutes a direct violation of my consumer rights. 
LexisNexis inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with XXXX sent ftc, cra violation and po report
Product: Debt collection

They caled from several companys saying that I owe them when I didn't purchase anything from them. they called my job several time, and I asked them to not to call me while I'm at work. which the repeatedly do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX - XXXX XXXX Balance : {$8900.00}