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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have XXXX credit cards with Chase. XXXX had a " Pay Over Time '' balance for a few transactions, where I wasn't being assessed interest on the charges as long as I made the payments according to the " Pay Over Time '' terms. I still had several months left to pay off the transactions before I was to be assessed interest charges. XXXX had a promotional balance-transfer balance that was about to expire, in which I would start being assessed interest on the entire balance starting in XXXX. On XX/XX/year>, I attempted to make a payment towards XXXX, but I accidently entered the account information for XXXX. I caught the error XXXX business days after I made the payment ( XX/XX/year> ), and I called Chase to move the payment to the correct account. They refused! They want to keep my payment towards paying XXXX off early - I still had several months to pay the transactions off before I'd accrue interest ; additionally, they refuse to allocate my payment towards the actual card that will start accruing interest once the promotional period expires in XXXX. This is clearly an unfair and abusive practice designed to extort more interest from me despite me making all the required payments in the required amounts by the required due dates to keep from being assessed interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Product: Mortgage

My mortgage was transferred to XXXX/LoanCare XX/XX/19. My prior mortgage company was collecting and paying my hazard insurance. My insurance carrier ( XXXX ) sent me confirmation that my loan company was changed to Loan Care on XX/XX/19 along with the current premium that was due. It was my understanding that the new mortgage company would pay the bill since they had the funds in escrow. I received communication from the mortgage company that they were going to place hazard insurance under them on my home followed by letters dated XX/XX/19 and XX/XX/19 that the policy 's placed by them had been cancelled which led me to believe they had made the payment to XXXX as they were supposed to per my arrangement with my prior mortgage company. On XX/XX/19 they withdrew {$1400.00} from my escrow account to pay for coverage they placed on my property. I immediately contacted XXXX to find out they had failed to pay my policy and coverage had been cancelled. Upon discovering this, I immediately purchased insurance for my property and informed the mortgage company I had done so. Unfortunately due to their failure to pay my policy, I had a lapse in coverage. XXXX/LoanCare took it upon themselves to charge me for this lapse. As it was their responsibility and failure to pay my insurance, I do not believe I should be paying for this. I believe they owe me {$270.00} as only {$1100.00} of the {$1400.00} was refunded to my escrow account. I have attempted to address this with them on 2 occasions both of which took hours on the phone. I was led to believe the error would be resolved and I would be refunded. I have reviewed all of my mortgage statements and no refund has been issued for this. I believe my money was mishandled by the mortgage company and it is frustrating that I have no choice in who is managing my money that they feel they can spend my money in ways that have not been approved by me. They were given notification of my insurance being due and had ample opportunity to pay for it. They failed to do so and also FAILED to tell me that they had missed the deadline for payment and that I needed to resolve this with XXXX. I feel they have failed me in their fiduciary responsibility to handle my money.
Product: Mortgage

Called XXXX XXXX about payoff of house loan around XX/XX/XXXX to XX/XX/XXXX, told them wanted to payoff loan. Talked to a man said it would be {$33000.00}. I asked if I needed to send a letter to confirm, He said no just send the money wire transfer by XX/XX/XXXX. I asked them to send me email. never got an email. 

I sent {$33000.00} on XXXX XXXX.called on XX/XX/XXXX to see if they received money as didnt show up on loan care web site. man told me it could take 4 or 5 days to get in the computer. 
I called on XX/XX/XXXX they said they tried to call me because I owed an additional {$140.00} of interest .I said what for they tried to tell me because I didnt pay it on XX/XX/XXXX .told me would have to send it by wire imediatly or would incur further charges. Then XXXX came back on phone and said it was going to be {$170.00}. ok I sent {$170.00} on XX/XX/08. So I am not happy as they either misinformed me, or lied to me. 

I got the paper work showing loan payed off .But now I cant get thru as they consider me as paid up so wont let me talk to any one I guess I think I should be reimbursed fpr XXXX plus {$30.00} wire transfer fee.

Automated phones wont let you talk to any one unless you want to make a payment.
Product: Credit card or prepaid card

After having multiple chase products i discontinued my chase student checking account, and my chase unlimited freedom credit card. 

I created a dispute to which there were 0 responses/messages in my inbox, chase closed the dispute without notifying me or communicating with me ; when asked about it i was told i would have to write a letter to them even though the issue was on their digital product 's behalf. 

Chase 's customer service is awful, they wouldn't assist me with disputes, multiple call disconnections, i spent 2 hours on the phone and both " transfer to supervisors '' magically failed. The best part of the customer service is when you get that magical representative that cuts you off every two seconds, give you attitude and then acts like theyre doing you a favor by being on the phone with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint
Product: Money transfer, virtual currency, or money service

Hello, I have been using PayPal for the past XXXX years without any hitches. However, the company requested for verification documents and upon reception closed my account due to suspicious activity on Friday, XX/XX/XXXX. That has since affected my payments. I am not into fraud or any other significant activity. I have always abided by state laws and their terms and conditions. I find the closure unlawful without any backing whatsoever. All I need is my account back as I have never engaged in any unlawful activities or they should provide the activity that they believe I engaged in because I find it so unfair to make baseless claims.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Re : Account # XXXX accreditor : XXXX  As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute. 

I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you DELETE IMMEDIATELY THIS FRAUDULENT ACCOUNT. 
Re : Account # XXXX accreditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to XXXX  - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CHXXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to tranunion - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Product: Credit card or prepaid card

I sent money via cashapp to play an online game. I won XXXX dollars playing this game and they told me I had to send XXXX more dollars in order to release me the funds. I sent them the XXXX And have not received any fund. It says it is still pending and I talked to cash app and they told me to report it as a scam but it is still pending in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter from XXXX XXXX XXXX Department to remove an inquiry dated XXXX XXXX 2021. XXXX contacted Equifax to remove the inquiry and they still will not remove the inquiry. The company that mistakenly made the inquiry asked them to remove it and they willfully will not remove it. Also, Equifax did not contact me after 30 days and never sent me the investigation results
Product: Credit card or prepaid card

Commenity Bank sent me a letter on XX/XX/23 stating that they had reversed an interest charge for my account of {$130.00}. On my statement that closed on XXXX the charge had not been reversed. In addition i filed a complaint about XXXX XXXX making two charges of XXXX that I did not authorize. Only 1 of the 2 charges was reversed on my statement. When I called the person taking my call did not say he would reverse the charges he said he would put in a request to reverse the charges. Also there was a returned check fee of {$28.00} that has not been reversed. I sent an online payment on XX/XX/XXXX and when I received my credit card statement on XXXX I was shocked that the payment was not posted. I called Comenity at about that time and they claimed that they had not received the payment and told me to check with my bank. My bank suggested that I stop payment on the online check. I agreed to stop payment and then I mailed Comenity a replacement check. 

I called Comenity customer service and told them that I had stopped payment on the check and reissued and not to cash the first check but I was still charged a return check fee of {$28.00}. 

I need my account credited {$130.00} for interest plus {$28.00} for a returned check fee plus {$130.00} for the unauthorized XXXX XXXX charge.That is {$290.00} plus the {$10.00} of interest that was charged on the last statement because my account had not been properly credited to begin with. Please credit my account {$300.00}
Product: Credit card

In XXXX, XXXX  phone call from Bank of America stating there was suspicious activity on my account. Charges were to XXXX, XXXX for {$91.00}. I agreed these were fraudulent charges and filled out an online dispute. On XX/XX/XXXX, I received a letter from the company saying the pending transactions that were reported had never posted to my account. The letter ended with the company saying account was resolved. Still on XX/XX/year>, at XXXXXXXX XXXXI called to report that the charges were still on my account. I was told this would be resolved in 2 business days. Still the charges were not removed. I called again on XXXX XXXX at XXXXXXXX XXXX XXXXand talked to another person and a supervisor. I was told that a temporary credit would be on my account because of fraud. This action was never taken. 
On XXXX XXXX, I saw another fraudulent charge on my account from XXXX XXXX, XXXX XXXX for {$16.00}. I filed a dispute on that, and it was resolved with a credit for XXXX XXXX.However, my original dispute has never been resolved for {$91.00}. Online messages from the company said we would receive notifications of dispute status and explanation, but this has not occurred, instead, we have been charged interest and fees for not paying these fraudulent charges. Also our credit reports from all three major companies has been lowered for these disputed charges. 
Most recently on XX/XX/year>, I called the fraud department again. I was told by an agent that another investigation would be opened. I asked for someone to tell us why these charges have not been removed. No explanation give ; no communication received. My husband and I sent a letter on XXXX XXXX, to Bank of America Claims Resolution Dept XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response from letter.