23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted Gitmeid Law to help pay off my creditors .I was told that with a small fee they would help me. instead they put me in contact with XXXX XXXX  and i was told that I would only have to pay back the money that was used even thou I did not want any new creditors.Gitmeid law kept {$8400.00} and took the full amount to pay my creditors from XXXX XXXX  which was {$16000.00} .With the interest rate that was calculated at 24 % my debt is now over {$32000.00} plus the money that was paid Gitmeid law my debt has now tripled. Gitmeid law did nothing to help me. Except kept the {$8400.00} that i paid them as thier fee.
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

THIS COMPLAINT IS DIRECTED TO XXXX XXXX XXXX XXXX IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE COUNTY RECORDERS OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. CHASE BANK FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, CHASE BANK TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE CHASE BANK IS IN NON COMPLIANCE, THIS ALSO APPLIES TO XXXX XXXX XXXX XXXX. I RECIEVED A EMAIL FROM XXXX XXXX XXXX XXXX ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .CHASE BANK HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.CHASE BANK CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS CHASE BANK IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST XXXX XXXX XXXX XXXX ASK CHASE BANK INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK CHASE INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me 30 days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, 30 days late, on my XXXX and experian. I really think XXXX XXXX need to be shut down- because they are selling credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a Southwest Airlines credit card through Chase and when applying all my information was inputted and I submitted the application I got notified that they needed proof of my date of birth and proof of current address I submitted my temporary driver license due to me renewing my license and in the state of Oklahoma they hand you a paper copy of your license and mail the actual drivers license in the mail to address. I applied for this credit card on Thursday XX/XX/XXXX. I was denied because they would not accept what is a legal document in the state of Oklahoma that showed proof of both my date of birth and current physical address. I called company numerous of times and explained to them that is a legal document that was submitted.
Product: Payday loan, title loan, or personal loan

I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.
Product: Student loan

Navient will not stop calling unlisted relatives at their homes or jobs looking for me. I have made numerous requests for them to stop doing this, but my wife just got a call at her job about 5 minutes ago. I made another formal request to Navient this past week and here they are still making robo calls. 

Something has to be done. They are blatantly violating laws XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ive tried settling my loan, they refuse, I ask for a repayment play and they say my loan doesnt qualify. They tell me my account is in good standing so they can only assist if I default, so I default then they say my specific type of loan is ineligible. I borrowed XXXX, payed over XXXX back and I somehow owe $ XXXX after 10 years. 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

I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that XXXX XXXX XXXX accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation. 

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information. 

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA
Product: Debt collection

Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since XX/XX/2018 : ( from XXXX ) XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud account has been disputed and they have charge off the debt with a 1009 c form with the IRS and still reporting every monthly that this fraud account is past due.
Product: Money transfer, virtual currency, or money service

I was scammed by some who claimed to do investment in XXXX XXXX. I was made to wire transfer the amount from my Wells Fargo account to XXXX  account where it was sent to the platform called XXXX XXXX XXXX which trade on XXXX XXXX. 
I reported the Incident to the police and both the Wells Fargo Bank and XXXX but have not been helped in getting backy money. 
I lost everything saved and this has cost me huge credit card debts
Product: Debt collection

After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
Product: Checking or savings account

On XX/XX/2020-XX/XX/2020my debit card was stolen along with my wallet. A total of XXXX $ was sent to XXXX XXXX  and XXXX XXXX in that time frame, I have disputed the charges filed a police report and called and reported the card stolen my claim was denied for unknown reasons. Ive submitted all the nessasary documents including filing a police report and my claim was still denied
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

We have reviewed the Fay Servicing response and my wife & I - plus our family adviser have found the answer Unacceptable. Again, for the better portion of a Year, Fay ( individuals named additionally-emails retained for examination ) Maintained continually, that the derogatory comment would Not, repeat-NOT affect our Credit Rating. Basically they said " Fu-get-about-it ''. From last spring, we have written documentation that in fact It Did impact and Prevent our family from obtaining a home improvement loan. Our conversations with Fay Servicing concerning this matter have altogether been Unsatisfactory 'at the minimum '. They do not seem to grasp the number or substance of proof we retain proving our side of the dispute. Further can be documented.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there are incorrect personal information on my credit report. I have no idea why this happened so please check the documents I've sent as it contains my accurate and correct personal information.
Product: Consumer Loan

One the customer service representative lied and stated that I was current on my payment in which I was n't which caused me to be a week begind. Two, they contact me repeatedly even after I tell them when I 'm going to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

Experian Is sabotaging my credit report, it has been constantly dropping for the last XXXXweeks with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is Experian keep negatively reporting my account with no reason or explanation.
Product: Credit reporting or other personal consumer reports

Trademark Infringement It has come to my attention that XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XXXX are attempting to make an unauthorized use ( s ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under federal registration laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and Trademark Office under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( s ) within XXXX hours, I will have no choice but to pursue all legal causes of action
Product: Credit card

For 10 years Ive banked with Chase and been a private client for most of them without a problem. I have been a victim of fraud and identity theft many times and have had cards reissued to me. On XX/XX/year> my credit card account was closed without my knowledge. I went into a branch and asked what was going on and spoke to someone in the phone from the Fraud dept and was told that my account was closed because I was a risk. I had conjured up XXXX points and was given no option but to withdraw them as cash or lose them. XXXX only Much less than the XXXX it would have been worth to travel with. I was also told in the bank that I was pre approved for another card so I applied and got it on the spot. My balance was {$0.00} on the account that was closed and a refund of monies owing were issued to me as a check. Days later I received my new credit card and almost the same day it too was closed. Nothing was made on it nor was it used. I called and o find out what was going on and was told that my credit card relationship had ended. So I was unable to ever get a card with them again. Furious I went into the branch and withdrew all my funds from checking and savings account and I closed off all my accounts and ended my relationship with Chase. A few weeks later I recieved calls that I owed money in my credit card. I said thats impossible as I closed off all accounts and the crust card account was already closed by the bank. With a XXXX balance. They tried and harassed me over and over. Calling daily to say I had to pay it off. No one had helped me and no one had anything else to say. Now Im in 90 days overdue. My credit score Has gone from XXXX to XXXX and keeps dropping and I dont know what to do. It is impossible that An account that was closed be reopened under my name without my Knowledge. And that I owe money when being told I didnt and had no way of ever having a fair card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all fraud alerts and security alerts now!
Product: Mortgage

My mortgage is owned by Bank of America and is a XXXX backed mortgage. Sometime around XX/XX/2011 we started a home loan modification process with BOA. This process took over 3 years of back and forth. We even took the steps to find a pro-bono attorney to help us the BOA gave him the same run around. In the end, BOA added almost {$90000.00} to the loan, increased our interest rate, and added fees to the loan that to this day have yet to provide proof as to what those fees were for to me. I have attempted to try and seek legal help and I am unable to find an attorney anywhere that will assist us with taking on BOA. All of them quickly say that they can not help us the second they hear that our bank is BOA. I have countless letters from them directing us to XXXX who request the same documents month after month. Emails between me, BOA, and my attorney at the time. 

Bank of America also knew that this loan was a VA loan. They failed to notify the VA that we were seeking a modification in a timely matter. In fact, they tried telling me that they did n't know my loan was a VA loan. By the time the VA was notified, it was beyond the point that the VA could do anything to assist me. 

I 'm a XXXX with XXXX tours in XXXX, XXXX tour in XXXX, a XXXX and an XXXX Commendation XXXX with " XXXX '' device. I 'm currently out on XXXX and this whole situation has in part contributed to my XXXX and XXXX getting worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance {$3000.00} XXXX XXXX XX/XX/2024
Product: Checking or savings account

I disputed a charge for {$250.00} for a merchant that DID NOT provide the services I asked of them. After a back and forth with them and unnecessary stress, I contacted Chime for the dispute. I also provided them proof that my vehicle was NOT fixed and they told me I had to wait til XX/XX/XXXX to maybe get my money back. If I am paying a merchant to provide a service and they do not and give proof to my bank that they did not do said services, why do I have to wait THREE MONTHS to MAYBE get my money back? That makes ZERO sense.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX