23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had the intention of purchasing a puppy from this website : XXXX After email communication with this seller - I was asked to make a payment through XXXX. My bank account uses the XXXX payment system. I initiated the payment and during this time was realizing that things seemed out of sorts and that I was potentially being scammed. I did verify with the bank that I had initiated the payment- so Chase Bank did continue to process my request. After I realized the scam, I called my bank because the payment did say it was still pending. But Chase told me there was no way to reverse the transfer of the funds. I deposit quite a bit of money into my Chase bank accounts- personally and for business. And I would have hoped that they could provide more protection of my funds and use a payment system that protected against fraud. 
Anyhow, I was told by Chase to call XXXX and they provided me with a customer service number. When I called a recorded message came on to say that there was no way to recover funds sent through my bank- they would only be able to assist me or answer questions if I used the actual app for XXXX XXXX This happened on XX/XX/2021. I was scammed out of {$1000.00}. Both Chase and XXXX had nothing to offer me in order to recover my funds- no buyer protection!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing incorrect info on my Equifax credit report. I wrote a 609 letter and sent the credit reports certified mail with highlighted problems on XX/XX/2021. It is currently XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Remove Fraudulent Accounts and Violation of FCRA From Transunion, XXXX & XXXX To Whom It May Concern, I am filing a formal complaint regarding your failure to remove fraudulent accounts from my credit report despite my multiple attempts to dispute them, including providing a Federal Trade Commission ( FTC ) Identity Theft Report and citing my legal rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

I have been trying to resolve this matter for an extended period of time, but despite the documentation I providedclearly demonstrating that these accounts were opened due to identity theftXXXX  has continuously stated that the accounts were " verified, '' without appropriately investigating or taking action in accordance with the law. This is not only incorrect but is in direct violation of the Fair Credit Reporting Act, which mandates that fraudulent information must be blocked and permanently removed from my credit report within XXXX ( XXXX ) business days of receiving the necessary documentation. 

Here is a summary of the issues I am experiencing : Failure to Remove Fraudulent Accounts : I have submitted an FTC Identity Theft Report and clearly outlined the fraudulent nature of these accounts. However, XXXX continues to report them as valid, despite being legally obligated to remove and block this information within the required XXXX business days. 

Violation of FCRA ( 15 U.S.C. 1681c-2 ) : According to the Fair Credit Reporting Act, fraudulent accounts must be blocked and permanently removed from my credit report. XXXX failure to comply with this provision is a violation of federal law. 

Negative Impact on My Financial Well-Being : The continued presence of these fraudulent accounts on my credit report is severely impacting my financial stability. I am unable to secure housing, employment, or basic services due to the damage caused by these inaccuracies. 

Given these violations, I am formally requesting that XXXX take the following immediate actions : Block and permanently remove all fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
Provide written confirmation that these accounts have been removed and blocked, including an updated credit report reflecting the changes. 
A clear explanation of why my previous requests were not handled in accordance with the law, and the actions being taken to rectify this situation. 
I expect this matter to be resolved immediately and within the statutory timeframe. If these actions are not taken, I will be forced to escalate this complaint further and consider legal action. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was stolen and used from my XXXX address while I was living in XXXX, XXXX. I have repeatedly tried to get this off my credit report. XXXX Statie of Limitation debt credit reporting is 6 years and its been reporting for 5 fraudulently, so i dont understand why they wont comply and take it off my credit report. Automotive credit Corp, auto opened XX/XX/2013, balance {$12000.00}. I filed a police report years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, please investigate Equifax Inc. 's practices! Please see my previous complaint - XXXX. After submitting my online dispute through Equifax and selecting the " I am no longer liable for this account. '' option, I explained to them that the accounts are greater than 10 years old and that there has been no payments or activity in more than 10 years. Equifax has notified XXXX XXXX that I said the account was fraudulent. I received a letter today from XXXX XXXX saying that my claim of fraud has been found to be untrue and that there are no signs of fraud. Just by coincidence, I received a call from the other company XXXX XXXX ( XXXX XXXX ). At XXXX XXXX, XXXX, from the Credit Bureau dept. called from XXXX. She was returning my call from XX/XX/20. I told her that Equifax was refusing to remove the credit inquiry. She insisted that they have to do this. I was finally able to view the status of my 3 disputes online. It appears that Equifax may be changing the dispute reasons. I never said that any of the reportings were fraudulent. I have indicated on each dispute, month after month, that the accounts are old and need to be removed. XXXX  XXXX states " We've finished our investigation on your fraud claim. Our research found no signs of fraud ... .If you have any other questions, please give us a call at XXXX ''. The extension is XXXX. How is Equifax allowed to tamper with their customer 's disputes? How is Equifax allowed to treat customers this way. Is there any organization that can investigate this company and make them abide by the rules.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Problem with chase bank and XXXX XXXX. I have clear title on my property. XXXX XXXX   claimed they did a foreclosure on XX/XX/XXXX. It was done by XXXX XXXX XXXX. I do not have an account with XXXX XXXX. This start in XX/XX/XXXX with Chase calling me telling me that they were the servicing company. It turns out they were not they were just collecting money from. As I looked into this XXXX XXXX kept appear on the documents.the name on the documents. When I did check  they had nothing to do with me either. XXXX XXXX took me court using the law firm of XXXX XXXX. They first start this action as work for CHASE but the documents said XXXX XXXX on them. XXXX XXXX  XXXX started with CHASE but when they filed the fake foreclosure paper under XXXX XXXX. They just switched without giving me any notice of the change. XXXX XXXX XXXX was to be trustee in this matter in there documents. Contacted them they said they never received any documents in this matter. They stayed they no interest in the property. I check my title I have no liens. But the attorneys for XXXX XXXX  claim they did a foreclosure. They had fake conveyance feed from XXXX XXXX XXXX. Which stated that they have no interest in the property. The created them selves. The never did a foreclosure, but went post foreclosure. Went to court on this matter showed judge title of ownership he ignored it and there attorney show no proof of anything, but the judge have a writ of ejectment. Which says they have to show proof of ownership first. They never showed anything. About 20 sheriffs came kick me and my child out of the house took every thing I own and my business. Now I am XXXX   for last 3 months. Now they are trying to sell my property again ( XX/XX/XXXX ). I need help with this matter. They texted me court date to find when where. They could not find. It just says XX/XX/XXXX at XXXX. But no case is outstanding. They have been trying to change documents to read Chase and do another fake sale. Help please
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. I need to get these things fixed immediately, it is hindering my livelihood and my quality of life. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

1. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CREDIT CARD INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A savings Bank account was opened in my name. I did not authorize it. Someone stole my identity and opened a bank account in my name at Bank of America
Product: Debt collection

I have been receiving disturbing/harassing calls pertaining a debt ( or debts ) not mine since XX/XX/XXXX. Please refer to my prior case number XXXX ] ( XXXX XXXX. 
Since last reported to you, I have received numerous calls XX/XX/XXXX from a company called Premier Recovery Group XXXX. They leave messages indicating they have received formal complaint pertaining a debt and we need to contact them immediately at XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX various calls from unknown numbers ; from various states such as XXXX, XXXX ; XXXX ; XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX ; message from Premier Recovery Group ; final notification, file will be closed and referred out. File No : XXXX. Call XXXX. 
From XX/XX/XXXX to XX/XX/XXXX several calls from XXXX. 
XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX XXXX XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX ) Please note that I have no outstanding debts. I have checked my credit reports and find nothing suspicious. I have not received any correspondence in the mail from any agency regarding any outstanding debt or debts. They are harassing me regarding a debt or debts pertaining to someone from XXXX with a similar name ; different middle initial ; different social security number.
Product: Credit reporting or other personal consumer reports

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :
Product: Debt collection

I owe credit card debt to Chase. I have asked the company to quit calling me more then one time to the same number. I contacted them again on XX/XX/2021 and spoked to a XXXX ( Supervisor ). Chase is calling me from XXXX. They called my wifes 's number twice to the same number within 30. They called her at XXXX and again at XXXX. They have been doing this for several months. This is clearly a violation of FDCPA. I have told them on a number of occasion not to call me or my wife I even sent a letter in. They are charging me absurd fees and late charges of {$160.00} a month. I have had an XXXX XXXX and currently have the XXXX XXXX. I tried to resolve this debt for {$7000.00}. I owe {$13000.00}. However my brother passed away and I had to pay for funeral expenses. They keep on calling me twice a day to my wife 's number ( XXXX ) XXXX and my number XXXX. This is stressing me out and causing XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Mortgage

I filled out an online preapproval application and was contacted by XXXX XXXX. She was very upbeat and positive and after I provided all of the requested information she contacted me to discuss my application. She reviewed my credit report with me over the phone and asked me why with no late payments and a strong length of credit did I have XXXX  boost on my report of 4 bills. I explained I added it when I downloaded the app because the app suggested it. She told me that I should remove the 4 accounts because they were reducing the amount I could pay monthly on a mortgage. She also told me I should take out a new loan to pay of a personal loan on my credit because the personal loan payment was so high ( XXXX but I only had 12 more payments and had chosen the high payment amount to pay it off quicker ). She gave me a preapproval with desk underwriting and actually referred me to my agent who I got along well with. 

We finally got an offer accepted and I paid the appraisal fee, etc. she said the loan was approved and already underwritten. That we were good to remove contingencies. She sent me closing disclosures and I waited for my signing date. As our closing date came and went she said that the loan was approved, underwriters were satisfied, but a system issue was preventing me from signing and that she had all the area managers working on it to figure it out. My agent made an appointment with her XXXX to discuss the issue because the seller had begun charging us a daily fee for not closing. At that time he told her he didnt know why I removed positive trade lines and paid off a two year old loan with perfect payment history for a new loan, but that had affected my credit dramatically and now the desk underwriting was kicking my loan out as high risk. She sent me an email with him saying the same. Luckily I had emails that showed XXXX had actually told me to do this. He worked for a week trying to find a way to close the loan, but in the end I lost the house, my {$8000.00} earnest money deposit, and now have to go out and find someplace to rent with my credit literally in shambles. I cant caution enough to be very careful using this company.
Product: Debt collection

On or around XX/XX/XXXX, XXXX XXXX XXXX LoanCare , LLC and XXXX XXXX XXXX XXXX XXXX XXXX collected {$60000.00} for alleged mortgage or loan and took monthly payments of {$4600.00} on an alleged mortgage debt that we do not owe, still until today. We require proof of claim for any debt we are liable for, evidenced by a sworn affidavit from a party from : XXXX XXXX XXXX and XXXX XXXX  ; hereafter Principal ( XXXX ) having direct first-hand-knowledge and chain of custody of any debt owed to said Principal ( s ) by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX.LoanCare LLC and XXXX XXXX XXXX XXXX XXXX XXXX with us triggered liability under Sections 15 U.S. Code 1692e - False and misleading representations.
Product: Money transfer, virtual currency, or money service

Bank froze my accounts i signed all required documents AT THE BANK WITH THE MANAGER,,, they continue to send requests for each account ... I received 26 letters in one week ... .My manager doesn't know what the problem is and he can't get answers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have notice fraudulent Account Name XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Debt collection

In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/19 speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX  or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for XXXX  minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX  with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. To date, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX XXXX, XXXX Opened : XXXX. XXXX, XXXX Balance : {$3.00} I request that Equifax promptly corrects or updates the inaccurate information associated with these accounts on my credit report. Both accounts were never late, contrary to the information currently reported. 

Additionally, the following account is not mine, and I request its removal from my credit report : XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX XXXX : {$3600.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX  The following inquiries were not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed certified letters to Experian in regards to credit inquiries that I do not recognize. The inquiries in question are listed below ; - XXXX XX/XX/XXXX -XXXX  XXXX/XXXX XXXX   XX/XX/XXXX -XXXX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX 1XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX