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

Chase Cardmember Services Fax : XXXX XX/XX/XXXX To : Chase Dispute Handling Team, Re : Account ending in XXXX Claim ID : XXXX Transaction Post Date Merchant Name Transaction Amount Dispute Amount XX/XX/XXXX XXXX {$130.00} {$130.00} Please re-open dispute investigation and credit my account for the above disputed charges. Your investigation revealed Chase reviewed information available. Your letter included the following resolution : No evidence of a billing error based on your research and information available to Chase. 
Pursuant to CFPB Regulation 1026.13 ( a ) ( 3 ) ( ii ) : Nondelivery of property or services. In conducting an investigation of a billing error notice alleging the nondelivery of property or services under 1026.13 ( a ) ( 3 ), the creditor shall not deny the assertion unless it conducts a reasonable investigation and determines that the property or services were actually delivered, mailed, or sent as agreed. 
I contacted Chase Customer Service on XX/XX/XXXX and was provided the below tracking number and updates pertaining to my purchase. 

I have not received my products and unable to contact XXXX ( Merchant ) directly. There is no known/published customer service number, website, or address for merchant. The merchant did not provide a confirmation or tracking update. 
Chase is in violation of not conducting a reasonable investigation. In conducting an investigation of a notice of billing error alleging an unauthorized transaction under 1026.13 ( a ) ( 1 ), actions such as the following represent steps that a creditor may take, as appropriate, in conducting a reasonable investigation : B. Reviewing where the purchases were delivered in relation to the consumer 's residence or place of business. 
D. Comparing any signature on credit slips for the purchases to the signature of the consumer ( or an authorized user in the case of a credit card account ) in the creditor 's records, including other credit slips. E. Requesting documentation to assist in the verification of the claim.

I would like a credit to my account in the amount of {$130.00} upon review. Please advise at your earliest convenience.
Product: Mortgage

My lender ( Raymond James Bank ) & the servicer of my ARM loan ( Dovenmuehle ) advised me via telephone today ( XX/XX/XXXX ) that they can not discuss with me ( the borrower/consumer ) anything regarding my interest rate/index on my ARM loan which was transferred to them in XXXX. They have not been calculating my interest rate correctly ( the published indexes via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Term ) & going back further than the 45-day lookback period ever since XX/XX/XXXX when they transitioned from XXXX to XXXX XXXX XXXX ( 6-month ), et al. 

Additionally, the index provided by XXXX XXXX ( whom Raymond James Bank chose as their index provider ) has been going up, even after the Federal Reserve cut rates by a quarter point ( XXXX basis points ) on XX/XX/XXXX. Instead of going down even a little bit, the index has risen. I check the published indexes every single day at XXXX XXXX when they are published on the XXXX XXXX website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

I purchased {$4000.00} in USDT to the platform XXXX from an ATM on XX/XX/2023. Then I made a wire transfer from Chase Bank to XXXX in the amount of {$16000.00} on XX/XX/2023. This money from XXXX was then sent to the XXXX Cryptocurrency Platform under the website address XXXX. The {$20000.00} was used to trade and resulted in an amount of {$370000.00}. On XX/XX/2023 I asked to withdraw the money from the XXXX platform and the customer service agent told me I needed to pay {$48000.00} in personal taxes before my money could be withdrawn. They said if I pay these taxes I would not need to report my earning to the IRS. I told them just to send me my {$20000.00} back and keep the rest and they said they could not do that. They also said they could not cancel any withdrawal over {$100000.00}. Therefore, because I do not have {$48000.00} to pay the taxes I can not withdraw my money and according to my tax agent, I should not be paying any taxes to them anyways.
Product: Debt collection

Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reached out to the US Dept of edXXXX, which has been reported on my credit report since XXXX. Equifax recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped XXXX  points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by XXXX  XXXX was reported to Equifax, for charges that were pending on my account from a purchase made at XXXX late the evening before. When I called Equifax on XX/XX/XXXX, the representatives stated that XXXX XXXX provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet Equifax had access to my shopping in XXXX, transaction still pending, to which my credit score was reduced XXXX points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing XXXX points. It is also fair to note that XXXX XXXX would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How did Equifax get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.
Product: Debt collection

I disputed a collection from a debt collection agency due to the collection not being mine ( identity theft ). The collection appears to be XXXX XXXX XXXX. I believe that my ex husband opened this account with his previous girlfriend while we were married 12 years ago and used my identification information ( state issued ID, social security number ) instead of hers due to her having a criminal record. The debt was for renting an apartment. He has since then filed bankruptcy and was relieved of the collection but it remains under my name even though it is not my debt and I did not authorize the use of my identity. The collection is not on my credit report, it actually was dropped from it due to the identity theft claim. The collection agency sent me a letter XX/XX/22 stating I still owed this debt. They are threatening to garnish my current husband 's wages for it even though it is also not his debt. The collection amount is {$5000.00}, originally from XXXX XXXX XXXX. The collection agency is Financial Recoveries Inc, located in XXXX XXXX XXXX WI.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries made on my credit report as listed below. These inquiries were conducted without my authorization and have negatively impacted my credit standing. 
XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Mortgage

Lakeview Loan Servicing company prepared an escrow analysis in XX/XX/XXXX. Their analysis was faulty, and resulted in them issuing me a refund check for overpayment while simultaneously raising my required monthly payment due to an " escrow shortage ''. I contacted them by phone, and email with the information that they did not use the correct property tax information ( my property taxes for XXXX are significantly lower than for XXXX ). I also asked for an explanation why I was not offered the option of updating the escrow balance rather than being forced to make a higher monthly payment. This contact occurred on XX/XX/XXXX, and I was told I would hear back within 15 days at the longest ( attached document from XXXX XXXX was included to verify tax amounts ). The only contact I have received from Lakeview Loan Servicing was a solicitation to refinance my loan from an " affiliated party '' which I had not asked for, or authorized. I followed up with more email requests on XXXX XXXX, and again on XX/XX/XXXX, but never received any reply. Today, I received email notification that escrow disbursed funds for my property taxes in the amount I stated was due when I alerted them to their faulty escrow analysis, but still have no acknowledgment that they are collecting too much for my escrow, nor any other reply to my inquiry. I have made it clear I wish for my payment to go back to the prior, lower amount, but can not get any answer. In the past, when escrow analysis revealed a possible shortage, I was offered the option to correct this with a single payment rather than requiring a higher recurring monthly payment which presents a hardship. I simply want Lakeview to acknowledge the math, and their mistake so that I can get back to the monthly payment required per the Note on my loan. At this point, they again have excess funds in escrow, and yet refuse to respond, or lower my monthly payment accordingly which is unacceptable.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In XXXX I took out a mortgage loan with XXXX XXXX Mortgage XXXX for the amount of {$330000.00}. On XXXX/XXXX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX Mortgage XXXX to XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. On XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX started a foreclosure action against me for the amount of {$340000.00}, which is {$4900.00} more from my original mortgage. How does that make sense, when I had paid about {$100000.00}. Also, even though XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage Investor XXXX, XXXX XXXX named as the plaintiff in my case why am I not receiving my mortgage statements from them but rather from Citi Mortgage. I have tried fixing the problem, and the response I get from the bank is that the investor does n't participate in loan modifications. How am I going to save my home if they are not even giving me a chance. It seems like they do n't care if I pay them back or not, they just want me out of my home. I am victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Product: Debt collection

Pinnacle Asset XXXX called me and my employer at least XXXX times each. Trying to collect on a debt that is 20 years old and NOT mine! Saying they are going to garnish my wages. Wo n't give me an address to send a cease and desist letter. Telling my employer they are going to garnish my wages if she does n't give them information on me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am writing to formally dispute inaccurate credit reporting from Transunion, Equifax, and Experian. Additionally, I am writing to understand how Transunion, Equifax, and Experian gather credit information, how long they are required to keep closed records on file, and the formula for generating a credit score. 

After pulling my credit report from all three companies and the following was discovered. 

Credit Score # of Credit Accounts # of Closed/Sold/Transferred Accounts Transunion XXXX XXXX XXXX Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX As you can see my credit scores, number of accounts, and the number of closed accounts vary between each company. Why and how does this happen? 

I have written to all three credit reporting agencies requesting the inaccurate information be removed from my credit history. I filed XXXX XXXX solely to secure a court date after a summary judgment was wrongfully entered against me by XXXX XXXX XXXX. This legal action allowed me to proceed to an appeal in XX/XX/XXXX. The appeal case, XXXX, ultimately overturned the summary judgment on XX/XX/XXXX. Following this, I requested a dismissal of my XXXX  XXXX case, which was approved on XX/XX/XXXX. Throughout this entire process I maintained my financial obligations, continuing to pay all my bills. My consistent XXXX  years of credit behavior reflects my financial responsibility. 

Finally, I want to highlight that I am not a typical borrower in terms of credit reporting. Over the years I have managed and grown a portfolio of XXXX companies, which involved numerous requests for credit. Through these efforts, I have provided over XXXX jobs throughout my career and I have consistently demonstrated a track record of growth and financial responsibility. Given this history, I would argue that my creditworthiness can not be judged purely by traditional credit score metrics, especially when it comes to larger amounts borrowed. I am open to discussing this further and would welcome the opportunity to explain how my unique business structure and history impact my financial decisions.
Product: Credit reporting or other personal consumer reports

XXXX hard inquiry appeared on my Equifax credit report that I have no knowledge of. One from XXXX XXXX on XX/XX/2022 and the other from XXXX on XX/XX/2022.
Product: Debt collection

Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through XXXX different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.
Product: Debt collection

NOTICE Regarding Freedom of information Act request due to unauthorized use or unlawful activities or no consent or lawful authority to close account in question.