23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I originally made Transunion and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Transunion should have blocked and removed these items no later than 4 business days after receiving the required information. I have attached appropriate proof of my identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. I am also submitting proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Transunion is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX. XXXX Overdraft / reserve checking account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$950.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX - XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
XXXX. XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}.
Product: Checking or savings account

XX/XX/XXXX the amount was XXXX and XXXX was taken out of my .. payactiv account..I called my card to tell the that a company by the name of XXXX took money from my account that I never authorized or ever been to this place before or use them and they told me I wasnt getting a refund back so I told them Im going to report them because if Im telling you I never use them or had a history of purchasing anything from them how I cant get my money back because thats fraud activity on my account
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX of State Recovery Systems, XXXX, left a message on my cell with a reference #, when I returned the call on XX/XX/XXXX, and asked what creditor they represented, Mile stated he needed further verification, and asked if he had the correct address on file ( which he did ). Given the fact that I had my email hacked recently, I said I would not offer any information, nor confirm my address. I asked hime to please give me access to their website/portal so I may see for myself. He gave me the reference number mentioned in the voicemail, and issued a pin. 

When I went online, https : //www.statesrecovery.com/, and input the the reference # and pin # it states I have a balance of {$290.00} and had my correct address HOWEVER no creditor was identified, only a way to make a payment. Given the fact that my address is correct, and in my experience, creditors try to reach you via mail first, AND I have yet to receive any outstanding bills, AND know I don't have any outstanding debts, I thought it seemed fishy.
Product: Credit card

On XX/XX/year> I booked a reservation through XXXX XXXXn error. I immediately cancelled and was sent an email that states that I would be receiving a refund in XXXX days. This timeframe as past and I have contact Citi bank to file a dispute on the charge, the representative XXXX, who did not want to process my request to file a dispute told me that XXXX XXXX XXXX XXXX  of Citi XXXX reputable merchant and i should contact the contact service team after XX/XX/XXXX to try filling my disputes once more. I did and they closed out my dispute with out a proper investigation in favor of their reputable merchant.
Product: Checking or savings account

Bank of America allowed XXXX, who I reported as fraudulent, to steal my money & made a deal with XXXX XXXX XXXX Bank of America corroborated with XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX  has admitted to me in XXXX now XX/XX/2022 that a refund is necessary and that BOA can contact them but its lostvnow in fraudulent Bank of America !
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Mortgage

In the letter from SPS of CFPB complain # XXXX SPS # XXXX. In your inquiry, you requested an escrow refund. Our review found that SPS has not yet received the tax refund from the taxing authority for the incorrect parcel that was being tracked. 
Customer # XXXX. We dont understand about tax refund from the taxing authority. We contacted XXXX XXXX tax department. They said they got only one tax payment in XX/XX/XXXX. And your company also provide only one receipt for this ( tax period : XX/XX/XXXX, to XX/XX/XXXX ). Therefore, we can not understand why your company keeps saying not yet received the tax refund from the taxing authority. To prove your comment, provide two different receipts for tax payment for XXXX. And, this issue was coming from your company fault, not our fault. I have always paid in time with your company statements without any delay. 

SPS # XXXX On XX/XX/XXXX, SPS followed up with the tax agency for the status of the refund. Once the refund in the amount of {$7800.00} is received, funds will be applied to escrow, and you may then request to have any overages refunded to you. 
Customer # XXXX. Since We have requested the refund of two times escrow charges, we have investigated the documents precisely and contacted your company and XXXX XXXX department so many times, even we can not count it. Despite our countless efforts to fix this problem, we still didnt get the exact date and information when it will be fixed or when we can get the refund. Please, provide the date when your company fix this problem. We have a severe pain with this monthly payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

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

I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX TX XXXX {$460.00} XXXX XXXX TX XXXX {$240.00} XXXX   XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX   TX XXXX
Product: Credit card

I am having a problem disputing a transaction with JPMorgan Chase & Co at Chase Bank. I was traveling in XXXX recently. I was about to miss my flight so I XXXX XXXXXXXX XXXX, and what I thought was XXXXXXXX XXXX from all information displayed on XXXX, I called the phone number. The agent impersonated XXXX XXXX and took my credit card to purchase a new flight for me. Once I gave my credit card I knew I fell victim to a scam. The crazy part is Chase automatically marked this transaction as a fraud, but somehow they were able to charge it again and get around that. I hung up and I quickly found the real XXXX XXXX  and got my flight figured out right away. Then I see a charge appear on my credit card statement XXXX XXXX, I immediately disputed it with Chase. Chase somehow resolved it in their favor when I had received no goods or services with this purchase. How could I? I had already contacted XXXX and had my flight figured out as soon as I spoke with XXXX. The XXXX impersonator claimed to be switching my flight ticket on my behalf. I never seen my booking update except after I spoke with XXXX. The real XXXX agent had no knowledge of anyone trying to change my original ticket. My ticket was never changed until I spoke with the real XXXX agent. Chase needs to resolve this dispute in my favor and stop doing business with this merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  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  Bank  XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by XXXX  and Experian. 
So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by XXXX  yet they have not provided me the service. I have receipts of the online transactions via my bank. 
Lastly my balances on XXXX  and Experian are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Equifax consumer credit report and file online and Equifax refuses to give me access. This is the second time the issue has occurred. Equifax provided a false and misleading statement that my consumer credit report and file was already accessed online. Equifax is in violation of my federally protected consumer rights.
Product: Credit card or prepaid card

I am filing this complaint about the credit card charge dispute. I used my Chase Freedom Card ending XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The transaction involved the purchase of three {$500.00} gift cards. However, the store was able to activate only two of three gift cards but I was still charged for all three. I brought this to the attention of the store manager, store bookkeeper. They helped me reach out to the store headquarters and file case # XXXX to document this incorrect charge. I was also advised to dispute the charge with the credit card company to get a refund. 

I disputed the charge on my said credit card on XX/XX/XXXX, but my claim was declined by Chase indicating that the charge was valid. The document shared by XXXX XXXX to Chase was given to me which clearly showed that the Gift card activation had FAILED. I brought this to the notice of Chase Customer Agent and they helped me file a redispute in XXXX. There has not been any further action taken since. 

I reached out today ( XX/XX/XXXX ) for the status of the dispute, it has not been resolved or handled yet. I have all the documents ( store receipts ) and the letter shared by XXXX to Chase that shows the transaction had indeed FAILED. 

I am hoping filing this complaint will help me recover my hard-earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held a mortgage for over 27 years with no issues with credit reporting. In XX/XX/2019 & in the process of changing my payor banking accounts, I inadvertently failed to pay my monthly mortgage to Wells Fargo. On XX/XX/XXXX, Wells Fargo filed a 30 days credit report. Prior to Wells Fargo filing the credit report, I never received a phone message, an email, or a letter from Wells Fargo to inform me they had not received my payment. ( WF claimed they called on XX/XX/XXXX but did not leave a message. I see no such record on my call list. ) On Saturday, XX/XX/XXXX, I finally received a call from a Wells Fargo representative who informed me of my delinquency. I immediately sent in my payment. This representative even waived my late fee. The following Monday on XX/XX/XXXX, I then sent a written request via fax to Wells Fargo and asked them to recall the 30 day credit report. My WF representative was XXXX XXXX. She simply refused stating they had no power or authority to do so. I asked to speak to a supervisor but no supervisor has called me back. I have asked if I could provide any additional evidence and no one has given me guidance or a forum to plead my case to a higher level where the goodwill recall and discretion can be given. The 30-day credit report will affect not only my credit score but my security clearance for which my job is dependent. I believe Wells Fargos actions are unreasonable and without any regard to true customer service and appreciation. I question their practice of filing a credit report so quickly when actual contact was not made with me. ( The first letter I received was the week of XX/XX/XXXX dated by XXXX in XX/XX/XXXX, the day the crrdit report was file. ) I am begging for mercy.
Product: Checking or savings account

On XX/XX/2022 I tried accessing my USAA mobile application ( as I do every morning ), and noticed my credentials were rejected by the system, and a message populated stating that my account was locked. I called, and after being transferred to multiple people over the course of nearly two hours, I found out that USAA decided to investigate my account for potential fraud activity. Unfortunately there wasnt a single person able to explain the reason behind the review, and my biggest fear was ( and is ) that such review was the result of some kind of account/profile takeover. Nobody would give me a straight answer, and the best they could share with me is that such reviews are taking up to 5 days! Meanwhile, I can not access my accounts, neither can I request any transactions such as ACH or wire transfers. As a result of this I have lost {$1300.00} on non refundable fees from a vendor whom I was doing business with the day prior, and had put non refundable deposits down towards a personal purchase I was trying to make. I am not sure what USAA is thinking, but it would help to gain some clarity about the root cause of their review. While I respect banking processes, both execution and communication must be done/timed rightly, neither of which USAA seems to understand. The bottom line, I need access to my account ( and my funds ) immediately and Im not in a position to wait for USAA to take their own time to complete whatever it is theyre attempting to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : ... XXXX Citibank has not credited all of the payments I have made to the credit card referenced bove. I have been making regular payments to Citi Bank since the inception of my credit card account. Citi Bank has repeatedly returned these payments to my checkin g account and has reported them unpaid. 

I have attempted to correct this problem by contacting Citi Bank via certified mail and also by calling their customer service department and I have only experienced gross incompetence on the part of the staff. 

Because of Citi 's company 's gross incompetence and the damage made to my credit, my fico scores are now in the low 600 's from an a verage score of XXXX. 

Recently, I tried to refinance my HELOC and was declined due to poor credi t scores thanks to Citi Bank. 

I need help in resolving this issue and restoring my credit.
Product: Checking or savings account

Experian smart account I opened fraudulently garnished my account by their associate company they agreed but will not release nor return the {$4500.00} and more in fraudulent funds that were taken
Product: Mortgage

inquired USAA team regarding refinancing and understanding the current interest rate offering. After getting into the call, the Loan Officer said they could lock me into a 3.5 % APR rate if I started today. There was an initial fee of {$530.00} appraisal fee upfront. Following the appraisal fee and appraisal, the USAA team increased the interest rate to 3.625 % ( the change was just done in paperwork and not verbally discussed ) and have dragged the processes along to where they now want an additional {$660.00} to extend the changed interest rate an additional 15 days to complete the process. I had reached out to the USAA team on several occasions after not hearing any status for periods of 10 days. The delay and lack of communicating the process/timeline and next steps falls on them. I have since talked with the loan officer, who has said it the interest rate increased because the appraisal came back lower. There was never a conversation that the interest rate could change and the loan office had stated when I started these processes that I was " Locked in at 3.5 % ''. The Manager of the Loan officer has left me a voice mail stating that there was no concern during the initial processing of my refinance because they work off the value I provide for the home. The appraisal was set up by the USAA team. It contradicts popular site such as XXXX. Had there been any communication or indicate that the 3.5 % interest rate was not locked in and what it was based on, I would have continued to hold off on refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Midland have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. Midland have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Product: Credit reporting

Equifax is listing a paid account which has been paid and is affecting my credit. 
Equifax is the only bureau that lists this as such.
Product: Debt or credit management

Agents of a debt settlement program made false and misleading claims to me in an attempt to fraudulently induce me to contract for their services. 

XX/XX/year> : I received an unsolicited text-message solicitation regarding a personal loan from XXXXXXXX XXXX XXXXXXXX, using phone number ( XXXX ) XXXX. ( They provided no other company contact info. ) She made a misleading claim that she was following up on my request for a personal loan. I had not made such a request. Because I do need a personal loan for debt consolidation, I asked for more information. She connected me with a " consultant '' by phone - see below. 

XX/XX/year> : Spoke by phone with XXXX XXXX of Boostify Financial Solutions. He made several false or misleading claims : * That the late payments caused by following through with their settlement process would only hurt my credit for a few months and then my credit would be back to normal within six months, because lenders don't care about the past, only my current ability to pay * That credit card account balances slightly over the credit limit were being counted as accounts with late payments, and that they would continue to be counted as late payments every time the balance ticked above the limit because of monthly interest charges being applied, even if I made my full payments due on time * That I would probably not receive 1099-C forms from these lenders when my balances were reduced, and further that if I did receive a 1099-C, there was a simple IRS form to fill out and I would definitely not have to pay taxes on the balance reductions He did not reveal that part of the process was stopping payments to creditors even though I have the ability to make the payments. When we discussed it, he said I have to stop paying the lenders so that it will look like I am insolvent, even though I do have the ability to pay them now. He did not reveal until asked that part of their process involves giving them power of attorney to act on my behalf. 

Overall, XXXX coached and encouraged me to commit fraud and made fraudulent claims himself to induce me to sign up for a service that I did not want or understand. 

The contact info I was given for his company is : Boostify Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax continuously reports the following account as Charged Off as of XXXX. XXXX, XXXX, XX/XX/XXXX, and every month prior for the past few years. This negligence on Equifax 's part, and allowing any agency to break the law according to the FCRA is illegal as well. Since then the account has repeatedly been updated as Charged Off XXXX XXXX XXXX XXXX XXXX XXXX every month. This account is updated in the payment history, and to my understanding charged off accounts should Not be include as an Active payment history. This falsely manipulates the statute of limitations, and is not in accordance with the laws of Fair Debt Collection Practices Act ( FDCPA ). I am demanding the deletion of the following account off my credit report : XXXX XXXX  last Report Date : XXXX. XXXX, XXXX ( Re-aging accounts is illegal ), Acct. # XXXX XXXXXXXX, Account Balance- {$2300.00}. A Charge Off account should not have a XXXX, nor should they have an active payment history. This is false manipulation of the statute of limitations on these accounts. Resetting the statute of limitation on a debt every month is illegal according to 15 U.S.C. 1681c ( a ) ( 5 ). Delete this account now and mail me a corrected copy of my credit report.
Product: Debt collection

Reported XX/XX/year> Amount- {$990.00} I am not liable for this debt with MIDLAND CREDIT MANAGEMENT . I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as I requested. Please delete and remove from my credit report.