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

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm noticing on my credit reports there are accounts that are delinquent and reported consistently when I have no record of giving anyone my information to furnish any information. Wondering why I would have issues for any loans and preventing my family future. Higher interest rates have been applied and need refunds and deletions of ALL ACCOUNTS I don't recognize
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My daughter was inpatient at XXXX point in XXXX XXXX. I gave them both insurance cards at time of admission and one more time while in the hospital. I got a few bills from hospital stating a balance owed, and I called with every single statement received and gave them information again for the secondary insurance. Primary was billed and paid majority. Despite constantly giving this information, her secondary insurance was never billed or saved to her file and they sent me to a collections agency. I called them and was told it was too late to bill insurance now that they are involved. Then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. I have tried numerous times to have this inaccurate reporting removed from my credit file and they have not yet done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX and Trans Union numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally mailed in my dispute letter with my information certified and they have denied it because they believe that it did not come from me. They believe I am using a third party credit repair company which I am not. This morning I called Transunion to see how I can rectify the matter and I was told that its been denied and I explained to them that the letter came from me directly that I am not using no repair service I asked what my letter was missing since I was going to mail it back in they told me that they could not give me that information and that I can process the dispute online or on the phone which clearly that is not what I want to do. I asked for a supervisor which will get back to me 3-5 days I spent money and time to get these letter written up only for them to denied it because they believe it did not come from me and when I called to ask exactly why and what is missing from my letter for them to believe it did not come from me they could not answer me I am trying to dispute incorrect information on my credit from 2 XXXX XXXXXXXX accounts that are not correct with factual errors and I am requesting for it to be deleted. I also would like to add that the representative that I spoke to hung up on me. I have pictures and proof of the letters I mailed in if needed Might I add Transunion let a debt collector add a collection debt which did not belong to me from XXXX which originally was from XXXX. When I spoke to XXXX they confirmed and removed the collection because they stated my social security had no affiliation and it should have never been put on my credit file obviously Transunion is not verifying and confirming my information and let this collection debt company go on my file and now I see other factual errors which need to be addressed and fixed I do not trust Transunion
Product: Mortgage

Trinity Financial Services have not made contact with me until XX/XX/XXXX this year. 
The original second was 14 years ago ( XXXX ). I have not received a mortgage statement. My original debt was with a completely different company I show a loan of {$120000.00}. I do not have documentation of Trinity securing my loan. They are currently stating I owe double the amount including a 11.5 % interest rate. I've had no correspondence or knowledge of this company until a couple months ago.
Product: Payday loan, title loan, or personal loan

Sunset Finance had violated my privacy and has released my personal information to a sibling. I was advised that they were going to " garnish my wages '' through a sibling that they had contacted. This is a violation of a federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that they put medical bills through a collection agency. I want it removed from my credit report immediately. I want some one to call me to resolve this matter. 
I have more been without medical coverage in 20 yrs. I never received any letters regarding these amounts. If these invoices are legitimate the Insurance company will cover them accordingly. I believe the invoices were filled out incomplete or incorrectly by medical billing department. Again this is having a serious inmost impact on my credit score and need removed immediately.
Product: Checking or savings account

The Citibank Banking Products and Services Portfolio NXXXX XXXX was contracted with XXXX Citibank XXXX XXXX it was paid in full until the moment the bank client suffered a claim due to serious illness, the claim was filed on XX/XX/XXXX, it was I present the request for the Protection of the Client with Eleven ( 11 ) Clinical Histories and the coverage of the Portfolio of Banking Products and Services Citibank NXXXX XXXX : Products Covered with the Debtor Life Policy : Credit Check No.- XXXX, Coverage {>= $1,000,000}. 
TC City MasterCard N.- XXXX, Coverage {>= $1,000,000}. 
Citibank Visa Credit Card N.- XXXX. Coverage $ XXXX. 
*Total Product Coverage : $ XXXX. 

Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
*Total Customer Coverage : {>= $1,000,000}. 

For Total Coverage : $ XXXX. 

XXXX Citibank XXXX XXXX and XXXX Only Paid Citibank Visa Credit Card XXXX XXXX. Coverage $ XXXX. On XX/XX/XXXX. 

Pending Payment Total Customer Coverage : {>= $1,000,000}. 
Total Product Coverage : $ XXXX. 
For Total Coverage Due : $ XXXX. 

XXXX Citbank XXXX and XXXX Abused My Fundamental Rights and My State of Defenselessness of My Wife and Minor Children in XXXX, their abuses continue XXXX, XXXX. They have the nerve to continue charging. 

It is reported that each product has an individual complaint in the CFPB, to force the individual and collective Solution of portfolio Citibank XXXX. 
Complaint ID : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I discovered unauthorized accounts opened in my name, including accounts with XXXX XXXX XXXX  ( opened on XX/XX/year> ) and XXXX XXXX XXXX ( opened on XX/XX/year> ). I was alerted to these fraudulent accounts by a third-party consumer reporting company. 

I have contacted the Federal Trade Commission ( FTC ) for assistance and am working to restore my identity. These accounts were opened without my knowledge or consent, and Ive reported the issue to these companies directly for further investigation and they have failed to remove this information from my consumer report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ASKED FOR EQUIPMENT RETURN. IT WAS DELAYED AS I WAS XXXX XXXX XXXX OVERSEAS. UPON MY RETURN I RETURNED THE EQUIPMENT TO THE XXXX LOCATION AS REQUIRED. THEY SENT IT ANYWAY TO XXXX XXXX WHO PROCEED TO THREATENED ME WITH LEGAL ACTION. I TOOK ACTION AGAINST THEM IN SMALL CLAIMS AND WON. THINKING IT WAS OVER, XXXX XXXX XXXX XXXX XXXX XXXX IT TO ANOTHER AGENCY SEQUIUM ASSET SOLUTIONS. i TOLD THEM NOT TO CALL MY CELL AS I PAY FOR MINUTES AND THAT THE DEBT IS DISPUTED AND NOT OWED. THE LADY SAID SHE WILL CALL, TAKE LEGAL ACTION AND DAMAGE MY CREDIT IF I DON'T GIVE HER MY CREDIT CARD.THE EQUIPMENT WAS OUTDATED BECAUSE I WAS SERVING MY COUNTRY OVERSEAS AND COULD NOT RETURN IN A TIMELY FASHION. TO BE THREATENED AGAIN BY A DIFFERENT AGENCY IS AN ABERRATION. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I ordered a computer Graphics card ( {$1500.00} was the total after tax JUST for the graphics card itself. ) along with other miscellaneous technology items through XXXX with my Chase Freedom Unlimited Credit Card and I was suppose to receive an amount of 3 bundled items in one consolidated package. Upon receipt, the  packaging did not contain the computer graphics cards but it did contain the other items. I tried contacting XXXX in trying to resolve this issue, they first wanted a police report and some time for investigation. I supplied them with the requested document, After 15 days I was told that my claim was denied and that no further action was going to be taken. Next I went ahead and tried to open a dispute through Chase.com about the issue I had, they had overlooked my dispute several times with my explanation to them as they wanted a personal email stating explicitly what my issue was. This is what i had sent them, " I want to CONFIRM that I want to continue the dispute. 

The Merchant made a charge to my card in the amount of {$1500.00} for three items in one package. The items listed were a XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX and a quantity of ( 3 ) XXXX XXXX. I am disputing because I did NOT receive the Graphics card that has a retail price of {$1400.00} ( before tax ) at the time of the dispute. Upon receipt of the actual package, I noticed I did not receive the graphics card that was suppose to be included. I contacted the merchant to assist me with my issue. At first they wanted me to file a police report, which I did in a timely manner. Later they said they denied my claim and will not take any further action. I still tried resolving it with them but they did not bother to assist me at all and prefer to end my calls. '' Many days later, about 20 days or 30 days, I received a letter from Chase in the mail, stating that they have closed the dispute and that Chase will take no further action. I am out of money and am expected by Chase to pay the credit balance owed.
Product: Student loan

In XX/XX/2013 I was involved in a XXXX XXXX XXXX that resulted in my needing to withdraw from school to handle both XXXX  and XXXX  XXXX. The XXXX XXXX representative I spoke with informed me that medical leaves of absence were covered and I would not face any payment responsibilities while I went through treatments. Within a month XXXX XXXX was calling both myself and my co-signer upwards of 30 times a day demanding immediate payment on my loans. When I explained that I was only temporarily withdrawn from school I was told that, under no circumstances, are medical leaves of absences covered and that payment was due immediately or I would face negative marks to my and my cosigner 's credit. I did not have the ability to pay or return to school so the negative marks were placed. I eventually was able to push for a deferment but was informed that I can only use 12 months for the entire duration of my loans. I was also informed that now my loans do not qualify for six months of no payments. Each time I now go onto any kind of school break ( ie winter or summer breaks ) I am immediately harassed with 30 phone calls a day demanding payments even though I am registered for the following semester and I was told that summer and winter breaks do not count towards not being in school. 

I have provided XXXX XXXX with both medical records and police reports of the XXXX XXXX and I have provided them with records of the people I have spoken with at their company. Managers with their company have informed me that lower level reps do not have the authority to " grant promises '' and therefore they do not have honour what was stated. Mine and my cosigner 's credit scores have suffered because of the less than scrupulous practices of XXXX XXXX. They have shamed me for being a victim of XXXX and made it clear that money is the only priority. Looking back I wish I had never opted to attending university.
Product: Money transfer, virtual currency, or money service

Coinbase Inc.    XXXX  Every time the  XXXX  market price dips the Coinbase systems shuts down buying and selling of the currency. It makes it impossible for investors remain in control of their investment and ties our hands. It happens EVERY TIME the price changes and is not available for HOURS. Investors are at the mercy of the market and can only watch the price spike or plummet and have no control of our investment.
Product: Vehicle loan or lease

In XXXX XXXX XXXX I couldnt make my payment by the due date and I incurred a late charge of {$29.00}. They showed my balance for XXXX at {$610.00} on XX/XX/XXXX, and I paid {$620.00}. Then I paid another {$30.00} on XX/XX/XXXX to cover the late charge. The late charged was still showing as of XX/XX/XXXX. I wrote several chat messages and called Santander about the issue and was informed that I was still late. That cant be possible when I paid {$61.00} over the {$580.00} due for the month. Santander is possibly doing this as retaliation for a complaint I filed against them with the XXXX  and corporate. They also refused to honor moving a payment to the end of the loan because they knew I lost my job and the vehicle had over {$7000.00} worth of damage that needed to be paid. I asked them to move one payment to the end of the loan and they said no, even though I qualified for the move. They said they didnt feel they should do it. I asked them to moved my payment date to the XXXX of the month and they said no. So I had no choice but to be late paying the bill for XXXX. A comment was made that I probably needed the money for XXXX, which was XXXX since I never celebrate holidays. These people are so horrible. They mistreat customers and then intentionally try to set customers up to fail. There is no way I should still owe money on a late fee when I paid over by {$61.00}.
Product: Credit reporting or other personal consumer reports

i do not recognize these inquires. TransUnion, XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX  opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( XXXX, XXXX, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all needed information to Transunion and XXXX to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.
Product: Credit card

I purchased an XXXX  from XXXX on XX/XX/year>. I waited two weeks and haven't heard anything, then saw seller left a XXXX tracking number XXXX, that said it delivered on XX/XX/year>. That's clearly not my house. And when I called XXXX to correct the mistake, but there was no mistake, it was delivered to a XXXX XXXX., someone I don't know. And the house address wasn't mine either. 

I told the seller about this, they said they were going to send out another package, but never did. And they've been giving me the runaround. Then I see customer complaints about this same seller, that they've been sending out fake XXXX numbers to cheat the XXXX and Paypal systems. 

I've asked XXXX to step in, but they haven't stepped in. And when I asked Paypal, they've sided with the merchant, twice, because of the tracking number. Not once considering the photos showing that the tracking number picture and my house front porch don't match.
Product: Money transfer, virtual currency, or money service

trying to add PNC checking account number for XXXX app send/receive service. PNC is bloking the add.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a new hard inquiry showed up on my credit card that I do not recognize. It is from JPMCB card services, which I have no idea what that is. Today on XX/XX/XXXX, another new inquiry shows from Jpmbc card that I did request. I have no knowledge of what this company this or how it ended up on my credit report.