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

I think the take away from this is Chase bank stopped the wire transfer on the first attempt with concerns of security fraud. When I wanted to know the concerns I was given a peace of paper with genetic information about crypto currency fraud Chase should not have allowed the transfer with the information they had about this company and the security certificates they had in their possession at the time of the {$30000.00} dollar transfer. 
Had a woman contact me on XX/XX/XXXX at XXXX XXXX  through XXXX  stating she was a friend of a friend name was XXXX XXXX XXXX immediately noticed that her name on the book she was holding in her photo was different XXXX. XXXX, XXXX stated she was in America to help her daughters in XXXX XXXX XXXX, XXXX XXXX area open up a second store that they also have in XXXX. We talked for several months prior to her, introducing me to crypto currency, and directed me to use XXXX as the exchange it started out slow as you may guess my suspicions are really high, and there are no problems at all. We made a couple of pretty decent returns and more money invested more money invested I was dragging my feet. Thats why the transaction dates are spread apart, but it continue to make returns and show the returns in the my account but when I went to the returns out I was unable to remove any money from XXXX XXXX. This person ( XXXX ) talked me into a loan from XXXX, in the amount of $ XXXX which I sent to chase bank and put in saving account Later creating a wire transfer Ive had all the transcripts from day one where we started chatting on XXXX to. Switch to XXXX on XX/XX/XXXX to when she quit talking to me on XX/XX/XXXX asked if I was willing to put more money into the program and I said no and her response was OK I get it. Im ready to go have dinner now and havent spoken with her since when I tried to remove money from XXXX theres always an excuse on why it cant be moved from the equipment is down for maintenance to now the excuse is I havent paid any income tax on it so I cant move it and when I asked where the taxes be paid because there is nowhere on the site for taxes to be paid, I havent gotten no response other than someone saying ask a legitimate question? so my balance on XXXX showing {$100000.00} and of course Ive got copies of that as well Cell So I guess the way that the scam must work is you can get your money in there and it shows that youre making money but youre never allowed to pull it back out Wire transfer for {$30000.00} was made on XXXX XXXX through Chase bank XXXX AZ
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I asked for forbearance 180 days because I caught the XXXX  and Im XXXX XXXX and also there is a cares act. I have a construction loan to permanent fha on a manufactured home. The builder did such a horrible job the home didnt pass fha inspection The lender started foreclosure and refused the cares act because the house didnt pass a fha inspection. There a fha lender and servicer and I have a fha loan. I have a attorney for the construction but not the cares act he was not hired for the lender only the builder.
Product: Credit card

close account of prepaid card XXXX XXXX over limit request of me customer with Providian bank
Product: Credit card or prepaid card

Chase Credit Card Member Services re-opened an account in good standing that was closed based on another person had called to state per my request. The credit card company did not check with me whether I made the closing request, nor did it asked the caller for written documentation. 
In opening it failed to activate the credit line and the card works as if closed, such that previous auto-pays bounced back unpaid.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. PLEASE DELETE the accounts below : 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

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, XXXX name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over XXXX XXXX XXXX. This so-called forgotten account did not show up on the credit report. If so my XXXX XXXX would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. XXXX of the credit bureaus are now less than XXXX and the other is less than XXXX. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Product: Credit card or prepaid card

RE : XXXX I, XXXX XXXX XXXX am writing this complaint as a natural person with no third party assistance. In the previous complaint a representative of Navy Federal Credit Union stated that the bill of exchange that I sent to tender payment was not a valid form of payment. If the bills that you send me in the mail are not bills of exchange, what are they? Please define a valid form of payment. Please define a legal negotiable instrument so that I may take steps to settle this matter accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX  WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX  AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


XXXXXXXX XXXX XXXXXXXX XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with this company since last XXXX. I have sent letter after letter after letter. Ive never filed for bankruptcy they continue to report this false information. XXXX fact they are the only company doing so, XXXX and XXXX are not reporting this fraud information but Experian is. I do have an lawyer and have filed a lawsuit against Experian.
Product: Credit reporting or other personal consumer reports

I am inquiring about Experian with the Deletion of XXXX XXXX XXXX, the account was deleted from my credit Report and experian Add it Back to report .I am Asking For a Fill investigation into fraudulent of Experian credit reporting Adding and Deletion of accounts ( Paperwork will be submitted ) XXXX XXXX  is reporting inaccuracies is in violation of my consumer FCRA Rights -5 U.S.C151692c XXXX XXXXXXXX XXXX Card
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA XXXX or XXXX XXXX. XXXX, that you, the TRANSUNION Credit Reporting Agency XXXX XXXX informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX XXXX Unauthorized inquiry : XXXX  XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOE/XXXX Account no : XXXX, XXXX XXXX XXXX account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced officially on XXXX XXXX, XXXX. In the divorce agreement it states the following : The wife shall have title to and possession of the XXXX XXXX XXXX and shall be responsible for any and all loan payments, insurance, ad valorem taxes, maintenance, etc. associated with said vehicle. 

I was to be relieved by court order of all car loan payments for said vehicle as of XXXX XXXX, XXXX. 

Wells Fargo has ignored this court order by the XXXX XXXX Superior Court & the state of Georgia. They have issued negative information to all three credit agencies regarding delinquent payments for this loan against me since XXXX XXXX, XXXX. I have repeatedly try to explain this information to Wells Fargo but they refuse to listen or abide by a court order.
Product: Checking or savings account

Hello, my Name is XXXX XXXX. I bank with Wells Fargo on the XXXX of XXXX someone stolen my debit card & stolen {$1100.00}. From my bank account. I reported to my bank on the XXXX due to pending transactions & the weekend that department is not open. So I called Monday. Thursday come the outcome is no error. I dont know how its no error when the name & addresses dont match mines. Doesnt make sense. One of the transactions is a part for a car? I dont even have a car. So thats how I know this investigation is a lie & they really didnt do their job.
Product: Credit card or prepaid card

On XX/XX/2022, I tried to order a XXXX XXXX XXXX ( {$1100.00} ) on XXXX. My Citi Visa flagged the purchase as a fraudulent purchase, and declined the transaction. I called Citi Visa and had them remove the flag, and Citi Visa then ran the transaction. Meanwhile, the XXXX order had timed out and XXXX had automatically cancelled the order - but the Citi Visa transaction did NOT cancel, which I did not know until I received my statement in XXXX. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and they confirmed they did not receive the payment and only had a cancelled order. So, I submitted a new purchase for the same product ( {$1000.00} ) on XX/XX/2022. 

In late XX/XX/2022, my bill reflected two transactions to XXXX XXXX XXXX. I contacted Citi Visa and requested a refund for the original order of {$1100.00}, which had been cancelled. They issued me a credit, and stated they would investigate the issue. They stated they would let us know if additional information was needed. 

On XX/XX/2022, Citi Visa provided a form for me to fill out, which we submitted with supporting documentation on XX/XX/2022. On XX/XX/2022, Citi Visa denied the dispute ( XXXX ), claiming that there was not enough information in my dispute, and they closed my dispute and rebilled my account with fees and interest charges. This notification only appeared in my on-line account, so I was unaware the dispute had been closed until I noticed the charges reappear in late XXXX when I received the XXXX statement. 

We immediately contacted Citi Visa, and we were told that the Citi Visa fraud department would have to reopen the dispute. We also explained that we do not have additional information, and that the issue was caused by Citi and must be resolved by Citi. We have now been through a series of dead ends trying to get someone in the Citi Visa fraud department to look at the case, Citi Visa now claims that 180 days has expired so they can't look at this case.
Product: Debt collection

Portfolio Recovery Associates continues to break the law and violate consumer 's rights. They refused to send requested documentation that would allow XXXX XXXX to verify the validity of the alleged debts furnished to credit files. Portfolio Recovery Associates willingly and intentionally continues to engage in intimidation, deception, and illegal debt collection tactics. They have made representations about unsubstantiated debts and misrepresented conducting sufficient investigations furnishing inaccurate information to XXXX. In retaliation for attempting to validate the alleged debts furnished, Portfolio Recovery Associates changed the date of last activity to XX/XX/23. This looks deceptive and suspicious. This attempt to misrepresent this alleged debt is to intimidate and harass consumer and violate the cease and desist direct and indirect communication demand. They purposely furnished this erroneous and false derogatory information to injure the consumer.
Product: Mortgage

IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently.