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

This issue started around XXXX or XXXX XXXX XXXX I have called Self several times and disputed these charges. Instead of protecting the consumer SELF held me responsible for the charges. This has been an ongoing issues even after me replacing my card 5 times. I have called the merchant directly and being that the charges was not made from my account they could not locate the charges. I even asked if they could search the last 4 digits of my card and find the person who charged the card ( something that should have been done by SELF during the dispute process ). No one has been able to help me so I got a new card and never activated it. I got my new card in XXXX which was the last fraudulent charge. I literally activated my card on or around XX/XX/XXXX. Today is XX/XX/XXXX and my card has had another fraudulent charge. I have come to the conclusion that SELF is not protecting the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any security in place to stop this merchant from continuously charging my card. At this point this is a security risk and until SELF put better security measures in place to protect consumers they should be held responsible for consumers having to go through being exposed to fraud. If my card information can keep getting hacked then SELF isn't protecting my personal information as well. If a financial institution can't protect the consumers then the service should not be able to operate. Per the phone call I had with the rep from SELF today even if the charges are fraud the merchant doesn't have to pay it back, which is what happened to me on the previous charges. If my account and personal information cant be protected by SELF and the will not update their security measures, I will seek further action. It is not okay for a company to expose consumers to fraud or possible identity theft. I am not the only person going through this with self and I would hate to have to be apart of a class action suit but something needs to be done ASAP! I have also attached a photo of SELF so called disputing the charge but turned right around and took the funds back, leaving me liable for another unauthorized purchases!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020 at XXXX ( pst ), I contacted Equifax XXXX and it was a bad connection, because the representative was in XXXX XXXX and she could not understand me, however, I mentioned she was around of people. Then she insisted on informing me that she was alone, and I could here laughter, different conversations. At this point I requested for her name, she provided and spelled her name XXXX. I do not know if this is truly her name, because she continually lied, in fact another woman, would begin speaking to me, that was around XXXX, meaning it was not a transfer, it is someone who was sitting beside her. Equifax is notorious for having data breaches, and I must admit, I do not understand why Equifax continues to hire non-Americans to handle Americans most secure information? The phone call lasted approximately lasted 10 minutes, because of XXXX 's refusal to disconnect the call, probably out of fear of the rating. However, eventually I did rate the call and leave a voice message stating the reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was suppose to be deferred until XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The document that I have attached will reflect the dates and amount that the account was paid off on on. I settled this XXXX account with Jefferson Capital systems back in XXXX of XXXX. The account is still showing as a charged-off bad debt on my credit report which is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$580.00} Date Account Opened XX/XX/XXXX I paid it off and wasnt removed off my credit report.
Product: Mortgage

I went to look at properties in XXXX, NV for a new family home, my Real Estate Agent couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. 

I Sign a Contract for a Conventional loan with a rate of XXXX for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. 
Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year> 30 Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( 5 days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by Lennar Mortgage. Therefore, my Conventional Loan was denied but I have not been provided a denial letter for the conventional loan. Lennar Mortgage did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. 

I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). 

Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. 
b ) In the case where the property is purchased. In two years if I refinance with Lennar Mortgage, could there be a waiver for the closing costs and fees for the transaction? 

For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the Conventional Loan and the return of my deposit for XXXX dollars.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke with a payment specialist there was some miscommunication obviously about my loan repayment. I called to inquire and was told that there was a notation on their system of something that was said. I asked management to review the call. The notation in the system did not match the call between the payment specialist and I. I assumed all my loans were set up to be paid on this call on 2 were. The manager did not advise me of this I could get a transcript of the call. She advise she listened to the call. After listening to the call she tried to advised me of why the specialist added three notes however that is not what was discussed on the call. I inquired about their dispute process and she only provided me the number to 2 credit bureaus. I asked what their back policy is for credit disputes she states there isnt one I need to contact the credit bureaus to dispute the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit card or prepaid card

I called Chase on XX/XX/2021 around XXXX XXXX  to let them know that the hotel that we were supposed to check in at XXXX  XXXX XXXX, XXXX XXXX, CA, and surprisingly even though we had a confirmed reservation booked way in advance they did not have any available rooms for us and we had to cancel our vacation. Chase travel representative never tried to help me out and always kept me on hold without providing any actual information. 

I was on a call with Chase travel support on XXXX XXXX XXXX and XXXX. Each time they said that they will compensate by giving XXXX points and because of the inconvenience caused and one free night at the hotel. They used to keep me on hold for more than an hour and were very irresponsible with how they managed the entire situation. They always used to call the hotel and were never able to get hold of the hotel manager. Chase agreed that they signed the contract with XXXX XXXX XXXX, XXXX XXXX, CA. There should be some accountability here and we should be thoroughly compensated for wasting our time and resources. 

Our itinerary number from Chase travel is XXXX. 
Case reference numbers with Chase : XXXX, XXXX, XXXX Chase agents we talked to : 1. XXXX ( employee id : XXXX ) 2. XXXX ( employee id XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i receive message from a fake XXXX  number ( saying that my account was trying to get hacked ) and they were talking me thru on how to help them pervent any further hacks into my account, they sounded like the real deal but in the end they tricked me into send them XXXXXXXX XXXX thru zelle payment. im very disappointed on myself i cant believe i fell for it. I highly appreciate it if you could honestly help me out on getting the money back please and God bless.
Product: Debt collection

Wells Fargo keeps calling me from blocked numbers even though I told them to stop calling me. 3 times in under 10 minutes. I havent had an account with them for over 8 months with no previous contact from them. 

3x yesterday 6x yesterday XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX full name : XXXX XXXX XXXX XXXX, I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : XXXX XXXX Clarity Services for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB -XXXX XXXXXX/XX/21 - CFPB -XXXX XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account XXXX XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All XXXX the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting XXXX  % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Mortgage

Never received a compromised claim disclosure for {$9800.00} ( VA Home Loan Guarantee ) or sale disclosure form from the mortgage company that occured on XX/XX/XXXX. When I attempted to request all documents pertaining to the short sale ( XX/XX/XXXX ), representative was resistant to my request, telling me that I could not have those documents. Later the mortgage rep called back and stated that I could get email correspondences in relation to the sales transaction. I also was informed that any documentation pertaining to the sale of the house would cost me {$5.00} per page. 

At closing of the sale I did not receive any closing disclosure from the sale or a compromised claim documentation submitted to the VA Home Loan Guarantee.
Product: Debt collection

Today, XX/XX/XXXX, I received a phone call from a woman named XXXX regarding midland credit management regarding XXXX Bank. I wanted to work out a plan because they sent me a letter stating they were going to sue me. I already have garnishments coming out of my pay for another debt, I tried to explain to the woman that I just had an emergency move, and I had to come up with so much money to move me and my children that I literally did not have XXXX dollar to my Name, she continued to tell me that I would be sued and unless I made an arrangement, there was nothing she could do. There was no way she could help me. I literally told her I was on the verge of suicide because of these constant threats I understand owing the money, however I can not give something I dont have. I am a single mother with XXXX children, taking care of them alone I have other personal things in life going on one being the emergency move I just had to go through and all of this is very overwhelming. In the past when I had the credit card debt, I was trying to make as many payments as I could towards the credit card but if financially, it got too much for me having XXXX children, there were times at my job or my hours were lowered, so I wasnt making enough money to meet the requirements for everything I had to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with fair collections XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus Im being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three XXXX XXXX, XXXX and Experian are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to all XXXX major CRA 's ( Experian, XXXX, XXXX ) putting them on notice that I have noticed many errors on my credit report. Due to the ignorance of these companies they are in violation of 15 USC 1681 ( a ) which states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would like these all the deragotry accounts either fixed or deleted/removed from the consumer report. If not looked into and fixed then escalation to the federal level might need to be visited upon further investigation. These rules are here to protect consumers from deceptive tactics such as these which can lead to life changing events and not for the good should I say ( stress, mental anguish, embarrassment, homelessness, loss of jobs/careers, low self-esteem, divorce, XXXX  ) all of which can be prevented ( at least on your part ) if followed. I would like my conditions to be met which you have received in this complaint, deletions/removals, financial remedies and etc.