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

I noticed a pending charge on my Chase Sapphire Reserve Visa account XX/XX/XXXX for {$240.00} to a company that I have never transacted with " XXXX  XXXX  '' I XXXX  to see what the company sold it was steaks. I then called Chase and told this about this charge that I did not make and told them it was fraud and please remove, they temporarily removed the charges and started an investigation. XX/XX/XXXX XXXX XXXX delivers a box from XXXX  XXXX, I call XXXX XXXX and tell them to pickup as I did not order this and had reported a fraud with Chase. I am told by XXXX XXXX  that XXXX  XXXX  can only request a pickup. I then call XXXX XXXX, they have no customer service number, so I begin texting with them. They give me the email from which this order was placed, not my name nor anyone I know, " XXXX '' I tell them not me, please pick up, they say since it's my name on package along with again someone I don't know " XXXX or XXXX  '' and is perishable they wont take back. I put the steaks in my freezer, they are still there now, I also contact XXXX XXXX XXXX XXXX. Today, Chase tells me my fraud claim is denied as I received a benefit, which I disagree as I did not order nor have I eaten, as the steaks are still in my freezer. I have pictures of the box, the texts between XXXX  XXXX  and myself, the email to/from XXXX XXXX and the Fraud Denial by Chase. Please help me, I do not have {$240.00} to pay for 2 steaks I did not order. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX showing inquires not known to me FTC violations ally cowboy motor company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information on my credit report. Despite my best efforts, this issue remains unresolved. I am requesting an immediate investigation and removal as the information is inaccurate and doesn't reflect my true credit history. After moving from rental property on XX/XX/XXXX. The rental property sent it with full amount instead of with our payment included. I tried to have rental property correct the collections but they said thar there was nothing they could do but they emailed me the revised statement. When I submitted it to the XXXX debt collection company in XXXX of XXXX and asked them to get an updated statement, they sent the the original statement that was sent in XX/XX/XXXX instead of inquiring with the rental property for the updated statement. I have tried to dispute with XXXX on XX/XX/XXXX and XXXX in XX/XX/XXXX and they both are saying the information is correct. Even with the updated statement provided. XXXX replied in 12 hours after my complaint. I submitted it at XXXX est. How can an investigation be done overnight?
Product: Checking or savings account

On XX/XX/year>, I signed up for a WISE Business Banking account using the email address " XXXX '' and mistakenly selected the category " Financial and other professional services '' for my company, XXXX XXXX XXXX  ( I provide tax filings services and help to register new businesses and create Operating Agreements for their Companies ). I understand that this category does not accurately reflect my business activities. 

Upon receiving an email notification regarding account deactivation due to the category mismatch, I promptly contacted WISE support team. Unfortunately, the representative informed me that category changes were impossible and the account would be deactivated. Also, I was told that creating a new account with the same business details and a different email address would be encouraged. 

New Account and Subsequent Deactivation : Following the deactivation, I attempted to establish a new account using a different email address XXXX while maintaining all other accurate business information. The account was initially set up successfully. However, upon making a payment of {$31.00} USD to obtain account details, the account was deactivated again citing already existing an account for XXXX XXXX XXXX 

Then I appealed many times to get a bank account but WISE always rejected the case by saying that we've decided to keep your account closed.
Product: Consumer Loan

I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected?
Product: Checking or savings account

I never received assistance with errors on my accounts and was denied information on products when I had XXXX accounts and over {$100000.00} in those accounts. I also previously had issues with a mortgage with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a late on my credit file for XX/XX/2019. I've had this account for a few years and have never had an issues with them in reporting inaccurate information. I have always made my payments on time and I don't know why this late is on my credit. I had no idea it was reporting until I recently checked my credit. I am requesting this is erroneous & needs to be removed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info
Product: Mortgage

My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.
Product: Debt collection

According to IC system inc i own {$5.00} XXXX to XXXX cell phone company and i never have an account with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies XXXX ** I contacted TranUnion via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from TransUnion. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that TransUnion conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit
Product: Debt collection

I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX has been reporting an adverse account in my Equifax XXXX report for more than the time allowed by 15 USC Section 605 1681 ( a ) ( 4 ) of The Fair Credit Reporting Act. I have contacted XXXX XXXXXXXX XXXX XXXX directly requesting additional information but because of the age of the account, they no longer have any information nor record of this account. 

XXXX and XXXX have both removed this account from my consumer report, yet this account continues to report in my Equifax consumer file. I understand errors such as this do occur, but they are easy to resolve. Please investigate this account for accuracy of 15 USC Section 605 1681 ( a ) ( 4 ) of The Fair Credit Reporting Act and any addition reporting inaccuracies. I have attached my first complaint ( 240430-14119070 ) with the CFPB concerning this account for your review. 

Account # XXXX
Product: Student loan

I have a number of issues with my new loan service provider XXXX. 
1. They do not provide bill pay access to Banks. So I have to log into their system to pay my bill. 
2. They do not list under my account the amount I need pay each month. I assume it is the same as under XXXX but can not find it. Nor have they ever provided me with a pay by date. I do not know when it is due. 
3. I have not been able to get email statements despite trying to sign up for it numerous times. The system says I require 2 emails, 1 or the account and 1 for the my statements. I only have XXXX email account. 
All of these issues combine to make it a big hassle to pay. And the only reason they do this is to make money, hoping I am confused and pay the wrong amount or fall behind. By far the most hassle I have every had to deal with in paying bills. Worst then a car loan, worst then my home loan, worst then my credit card. A total lack of information provided about my account online and extremely difficult to contact.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED/NELNET XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Product: Debt collection

I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX  bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous attempt just to make sure that the reported erroneous items in my file are removed or blocked. Please remove or block these items : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of the debt reported by Experian and XXXX XXXX XXXX 
I have never agreed or done business with either of these parties about the matter
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX more than 5 years ago with an approximate financing amount of XXXX XXXX, I paid them on time for almost 4 years, when the pandemic came I couldn't keep up to date, they got the car back in perfect condition in working order, with a market price of more than XXXX XXXX, they didn't discount anything and they even charged me absurd fees where I paid over XXXX dollars in collect and now they are saying that my debt is at XXXX XXXX dollars. they refuse to send me any kind of payment history or contract and they keep messing up my credit month after month.in addition to being super rude when we called, treating us like garbage and not giving any information
Product: Debt collection

This is a dispute about the company below. 
NTL RECOVERY AGENCY # XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX Using law 15usc1692cc It clearly states- If a consumer notifies a debt collector that the consumer refuses to pay a debt collect to cease all communication.
Product: Payday loan, title loan, personal loan, or advance loan

I revoked my ACH and debit card authorization from this company and informed my bank as well via online portal, but funds are showing up as withdrawn by the company ( Dave ) that I specifically did not agree to the withdrawal. Will respond in line to my bank as well. 

{$150.00} was debited from my account without my permission.
Product: Debt collection

Date : XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account XXXX : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX  & ( XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope I'm reporting to the right page it has to do with an inquiry my credit score was at XXXX I received pre-approved credit cards which I was told would not affect my credit in any way or go on my report I applied for the credit card but because my balance was almost to the max I didn't get approved and Capital One still went ahead and put to inquiries on me which now makes a total of 7 and that makes me look over extended
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.