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

My social security number was compromised and an unknown individual attempted to open a new credit card in my name around XX/XX/XXXX. I filed a report with the FTC at identitytheft.gov and requested an Extended Fraud Alert be placed on my XXXX account. XXXX received the Extended Fraud Alert notice from XXXX and added an Extended Fraud Victim Alert to my XXXX credit report on XX/XX/XXXX as required by law. Equifax received the information as well on XX/XX/XXXX but they did not place an Extended Fraud Alert. Instead, they processed it as a dispute and removed any requests related to the fraudulent activity in XX/XX/XXXX. When the initial fraud alert I submitted was set to expire, I submitted a request for an Extended Fraud Alert directly with Equifax via mail in XX/XX/XXXX. As of XX/XX/XXXX, I had not heard anything back from Equifax and I still had no extended alert on my credit report. I was not sure if they had received my request, so I re-mailed it as Priority and Certified mail ( the request is somehow still in transit over a MONTH later, so I assume it was the initial request that they received ). Today, I received a letter stating they processed my request as a dispute, that the case was closed, and " the disputed item is not currently reporting on the Equifax credit file. '' I checked online and there was no fraud alert on my profile. I used the Equifax " FRAUD ALERT REQUEST FORM '' to request an Extended 7-Year Fraud Alert and submitted the required documentation along with it. I should not have needed to file a request directly with Equifax since they received the information from XXXX just as XXXX did. And there is no way that Equifax should have been able to misunderstand my request since their Fraud Alert Request Form does not have an option to request a dispute.
Product: Credit reporting

I do not know if previous submission worked. Equifax is saying my communications are frivolous now. I have XXXX types of items that are still showing despite XXXX disputes of them including documentation ( attached ). 
1 ) Tax Lein Release withdrawal, serial # XXXX, IRS form XXXX. This states the IRS is withdrawing reporting of this lien. I just phoned them, and they told me to submit the attached form ; however, I have done that, on at least XXXX occasions. XXXX XXXX and XXXX have both removed the tax leins ; it is only EQUIFAX who has deemed this irrelevant and frivolous. 
2 ) Judgements : There are XXXX judgements listed in error. Both XXXX and XXXX have removed them, Equifax is saying my requests are frivolous, told me to get hold of the courthouse and attorney, I did, and they can find no record of them. Equifax has not done their job by actually calling the courthouse and/or attorney. XXXX and XXXX have deleted these items. 
I am XXXX, XXXX, and do not have much money. I can not get credit, which I need, and have trouble renting. Please help. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, an XXXX XXXX XXXX XXXX XXXX helped me contact the company that attached a negative collection debt on my credit report. I thought this was a fraudulent act initially. However, when Pacific Credit Service was reached by phone, I found out this collection was for a medical claim from XXXX XXXX XXXX that should have been paid by my medical insurance company, XXXX XXXX. The Pacific Credit Service representative, XXXX, stated the bill was mailed back in XX/XX/XXXX from the XXXX  department to my address WITHOUT my unit number, as it was unknown. Moreover, Pacific Credit Service also claims they mailed a collection notice with the incorrect mailing information sometime in XX/XX/XXXX. I never received either invoices, nor did either entity have my medical insurance information. On XX/XX/XXXX, I also provided my medical record number and correct mailing address. Pacific Credit Service was going to mail XXXX XXXX Claims Dept. the bill, as I provided the mailing address. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX and was admitted as an XXXX  XXXX XXXX. When I finally had the mental capacity to provide some ( not all ) personal information, my family was notified XXXX days later and they provided some insurance information, such as the insurance company and my name. Upon my release, my insurance company ( XXXX XXXX ) was sent multiple bills from XXXX XXXX XXXX. The bills that were submitted correctly were paid. XXXX XXXX claims department stated my hospital bills are paid in full. There is no record of a bill from the XXXX department, and XXXX XXXX Department stated today, XX/XX/XXXX, that the provider only has 180 days from date of service to submit a claim. Because this claim is outside the time for reimbursement, XXXX will deny this claim if it is submitted again. There were paid claims from physicians, which could be from XXXX. Unfortunately, because I have no record of this invoice, I can not determine if this claim was part of the payments made by XXXX to XXXX XXXX. XXXX suggested that I contest this {$1900.00} collection plus interest, as I am not responsible for any hospital payment ; I am covered 100 % by my medical insurance provider, as you will find {$0.00} as my share of the bill. XXXX XXXX payments will be attached to this complaint. Finally, I tried to contact XXXX XXXX billing department today, XX/XX/XXXX ; however, no records of a claim were found. In fact, the hospital representative could not find me in their system. She provided another number to call, but they could not find me either, as they changed systems back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit report on the XX/XX/2021 from XXXX and TransUnion. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to XXXX and TransUnion demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX  loans when XXXX loan payments were paused last year XXXX
Product: Debt collection

I received letter to my mailbox from 'I.Q. Data International , Inc ' dated XX/XX/XXXX and stating that they are trying to collect the debt that I owe to XXXX XXXX XXXX XXXX XXXX apartment complex where I lived in the period of XXXX. The outstanding debt in the amount of {$120.00} to XXXX XXXX was paid by me to another debt collector - XXXX XXXX earlier on XX/XX/XXXX and I received confirmation letter that funds have been received. I called 'I.Q. Data International , Inc ' on XX/XX/XXXX and informed that I paid that amount and there should not be any outstanding debt to be collected for XXXX XXXX. I also sent email to 'I.Q. Data International , Inc ' containing letter from XXXX XXXX  stating that the amount was paid. I requested email confirmation from 'I.Q. Data International , Inc ' that they received email with the letter from me but they refused to confirm the receipt. I contacted XXXX XXXX apartment complex to clarify the claim and they stated that they do not work with 'I.Q. Data International , Inc ' for any debt collection. Thereby, I sent mail to the mailbox of so called 'I.Q. Data International , Inc ' containing all evidence that the payment has been made. I am concerned that 'I.Q. Data International , Inc ' is a scam that trying to collect money just in case people do not have any evidence confirming payment clearance. I attach all evidence here below for your information. 

Parties involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.Q. Data International , Inc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a domestic wire transfer into my XXXX Checking Account. Chase withdrew {$15.00} from my Account as a fee for the transaction. 

I am familiar with this technology. Theres no cost to Chase. There are no personnel involved. A wire transfer is no different from a payroll or XXXX transfer. And neither are assessed a fee. Wire transfers should be treated the same.
Product: Bank account or service

Have had routine issues with a paypal account with attached line of credit. Customer service is impossible to contact. Account has been closed and reopened without my authorization. History of unauthorized transactions on the account. I want all my paypal accounts closed, future account openings with my social security number block from their systems and all disputed transactions credited in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo bank I missed XXXX payment because of family member got XXXX. It cause my credit core XXXX to XXXX. I missed only XXXX payment. Wells Fargo bank XXXX XXXX. 
I bought XXXX with 3 years XXXX percent interest. 
My credit score went down from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will call my lawyer ASAP!
Product: Money transfer, virtual currency, or money service

Binance.US does not return emails and has failed to make good on the return of my assets. See attached prior complaint.
Product: Credit card or prepaid card

CHASE CREDIT CARD HAD WRONG ADDRESS ON ACCOUNT I CORRECTED IT BUT THEY ARE NOT REMOVING LATE PAYMENTS ON ACCOUNT THAT WAS THERE ISSUE FOR HAVING WRONG ADRRESS
Product: Credit card

I know I pay on time every month, but I cant figure out why Im being reported late. As per USC 1666b, any mistake should be corrected and the account should reflect " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

The information is a result of identity theft the balance of {$2100.00} doesn't belong to me the phone number used, payments made and verification used was not done by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX : XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am sending you an FTC report regarding these fraudulent inquiries, and you refused to remove them, which is against the FCRA. I have contacted you several times regarding this matter, and you have not responded! If you do not remove these inquiries, I will seek an attorney. I know my consumer rights, and your company is not following the FCRA. I am a natural person, exactly as I have stated in this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 

Once again, here are the inquiries that WERE NOT AUTHORIZED : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Mortgage

I made an online payment to Ditech for XX/XX/XXXX for {$550.00}. 
They took out {$1000.00} including the XX/XX/XXXX payment and now my account is overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Removal inaccurate information from my personal information. I have tried three times ( too remove inaccurate employee information and its stated on the the credit file removal occupational ( this is such unethical on their part when I took the time to write and email to remove the inaccurate employment information. To just delete the information thats inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is wilfully reporting inaccurate information and a Charge Off on my Consumer Reports. I spoke with a XXXX agent by the name of XXXX  and she refused to remove the Chargeoff from Consumer Reports " stating MIDLAND CREDIT MANAGEMENT bought the debt '' ; however, my Consumer Reports have no reporting from MIDLAND CREDIT MANAGEMENT. ALL parties above-listed are conspiring and are in violation of my Consumer Rights and the FRCA for their negligent false reporting, damaging my reputation and ability to provide for my family. Remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. See the attached updated Credit report as proof of the blatant violations
Product: Credit card

I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.
Product: Debt collection

The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe
Product: Credit reporting or other personal consumer reports

Transunion is being non compliance to FCRA law by still reporting and did not block per my request incorrect, and inaccurate information, that is the direct result of identity theft. They are also dealing in deceptive practices by claiming I did not send all relevant personal information required to investigate the dispute in an attempt to circumvent following FCRA laws. On XX/XX/1023 I realized XXXX XXXX account XXXX XXXXXXXX is reporting on my credit report.it is inaccurate and incorrect information due to identity theft. I sent Trans Union a dispute, requesting to block the said information along with a FTC report l. They responded 6 days later to which is out side the 4 day block law in the FCRA state they are not blocking the information to which I am in title to have block due to identify theft. This is an attempt to circumvent blocking said information that should be blocked under the law.
Product: Debt collection

XXXX. Went to the XXXX on/around XXXX/XXXX/14 and got XXXX. 
I was interviewed about it by the school and should have been covered by the schools insurance or my health care coverage. 
Can be seen in the recites that payments where made on XXXX/XXXX/14 and on XXXX/XXXX/14. 
So I have no idea why they are still sending this to me.
Product: Mortgage

I have a charged off account originally with XXXX XXXX  now TD Bank. I ha XXXX been trying to pay off the account. When I filed bankruptcy over a year ago TD Bank did now respond to the attorney request for account information. I am now trying to sell my house and can not settle without the payoff information. XXXX for XXXX XXXX XXXX have requested the payoff information three times and I have requested it all with no information for the account or payoff amount. Now I can not go to settlement on the house on XX/XX/2021 due to the lack of response from TD Bank. On XX/XX/2021 I call chairman collection department XXXX and could only leave a message with details of name, account number, and the situation that is happening. 
I have been communicating with TD Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX.
Product: Debt collection

This was a XXXX vacation package from XXXX that I have never reaped or received benefits from. Our Attorney has confirmed this is a bogus/scam and the documents are in XXXX. The XXXX XXXX, XXXX, turned this over to a XXXX XXXX in California, Monterey Collection Services, and as of XX/XX/2020, this company reported to XXXX and was reflected on my XXXX Credit Report as a derogatory Account owing {$20000.00} and the amount increased to {$22000.00} the following month. 

I reported XXXX to the XXXX XXXX XXXX on XX/XX/2020 and the XXXX  was unable to locate the company or the company is no longer in business and therefore the XXXX has closed the complaint. 

XXXX needs to send a " Cease and Desist '' Letter to the the Collection Agency in California, Monterey Collection Services, and Monterey Collection Services and needs to take this off my XXXX Credit Report. 

Per my XXXX Report, as of XX/XX/2020 the Derogatory amount was reported as {$20000.00}. 
As of XX/XX/2020 the Derogatory amount was {$22000.00}.