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

I am requesting a reinvestigation of the negative items on my credit report, which remain unresolved despite my previous disputes and the submission of all necessary documentation. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX Balance Owed : {$31000.00} FNCC XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue wasnt about credit report being inaccessible. The issue is my credit report is FROZEN and I cant unlock it online. Also Im unable to submit a collection dispute through the online portal
Product: Debt collection

I am a cosigner on a loan issued by Transform Credit. For several consecutive days ( XX/XX/23 XX/XX/23 ), they have sent me menacing text messages, even indicating they have tried reaching me by calling and emailing as well. An invitation is given to make arrangements when payment is not made on the due date. The person who is primary on the loan has followed through in making payment arrangements, but those arrangements are never honored by Transform Credit! Even though the arrangement is made within their system, they say it is not a formal payment arrangement but term it a payment note. Their texts to me continuously indicate the number of days past due, threaten processing on my banking account, threaten legal action, threaten efforts to collect the full amount due immediately, threaten my having to come to court and face having a judgement filed etc. Irrespective of the payment arrangement scheduled by the primary loan holder, they have moved forward to collect from my financial account ( several days ahead of the date arranged ). Also, they once collected from both my and the primary loan holders accounts in the same month for that months payment. They would not return the duplicate payment, stating it would go toward the next months payment. ( Thankfully, my bank did return the duplicate payment to my account. ) If Transform Credit is going to offer to allow one to schedule a payment arrangement, can they at least be required to honor the date that is set?
Product: Credit card or prepaid card

I monitor my credit score using free online services. These services showed that one of my credit card companies had reported an incorrect balance for the month of XXXX. It should have been XXXX. This caused my credit score to go down 5 points. I filed a dispute with each of the credit monitoring companies : XXXX, XXXX and XXXX. XXXX fixed the problem, but after a month of waiting for XXXX  to correct the error, their results showed a different incorrect amount instead of XXXX. They told me that's what the credit card company had given them. I always pay in full each month. And when I requested that the credit card company send me a statement for XXXX, they emailed back saying that there was no statement for that month because there was no activity and a balance of XXXX. Added note : The card in question is in my husband 's name with me as an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX XXXX account got hacked that had my chime debit card linked to it and I only used XXXX XXXX to send money to a game I play but other than that I don't use it to send any money to anyone and before I knew that my XXXX XXXX account was hacked and whoever used my card to transfer money to 2 different XXXX XXXX accounts on multiple days that I didn't catch till later on because I don't usually check my account much especially XXXX XXXX  until this happened so I disputed it with XXXX XXXX  and my chime bank multiple times and told chime I disputed it with XXXX XXXX and rebuttaled my case 5 times at least which one time I rebuttaled that day they made their decision that same day like they didn't investigate anything and this keeps happening they don't seem to care about me or my money I was shorted rent because XXXX XXXX security was compromised and XXXX XXXX even shut down their app for a bit because they were having connection issues and gave screen shots of this information as well to chime my bank and they still refuse to help me or fight for me saying there was no error and so I lost XXXX dollars from this
Product: Debt collection

when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect addresses showing on my credit reports. The only address I have is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, US DEPT. OF EDUCATIONXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a citi bank account on XXXX, submitted my paystub to verify my account on XX/XX/XXXX ( documented in my email ). Citi then locked my account ( can't access my money ) and said they never received my document. This was on XX/XX/XXXX. I resubmitted my documents, and the email says approval within XXXX days. It is currently the XXXX, which is more than the days in the email. I have called them multiple times, but to no avail because they always say it's another department that reviews these documents. As of now, 90 % of my money is in that account and I need to pay my bills soon.
Product: Debt collection

I have no idea of what happened. I went to XXXX DC in XX/XX/XXXX to care for my mother and have been there ever since. Sometime in XXXX, I received correspondence from the Creditor Regional Finance. I have no idea who they are and have tried to receive documents on this loan they claim I took out in XXXX XXXX SC. I do own a home there and my husband lived in the home until XX/XX/XXXX. The loan number from the credit report is XXXX. The address of these people is XXXX XXXX XXXX, XXXX XXXX ; XXXX, SC XXXX. I have also reported this to two of the three credit unions with no response. I don't understand how they are getting away with this and as a company, I feel like they are commenting identity theft. How are they allowed to put something on your credit report and have no information to provide to me that I have a loan? Please get these people to give you all of the paperwork so that I have it to know anything about this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Experian, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Product: Vehicle loan or lease

Hi! I decided to buy out my lease for a Toyota XXXX. I paid for it in full, and the total I paid ( including sales tax ) was {$14000.00}. I mailed them the payment using a Cashier 's Check, on XX/XX/XXXX. Based on Toyota Financial Services ( TFS ) 's record, they received the payment on XX/XX/XXXX. Then, based on TFS 's customer service, they mailed me the title on XX/XX/XXXX, however I never received the title. 

After contacting TFS about not receiving the title, I was told that they are going to provide a lien release letter, so that I could take it to my local XXXX  XXXX to get a duplicate and then transfer the title under my name. I received a lien release letter, dated XX/XX/XXXX, on XX/XX/XXXX. I took the lien of release letter to my local XXXX  XXXX on XX/XX/XXXX, and I was told that TFS has to provide a signed and stamped duplicate title before I can proceed with getting a new title. Moreover, I was told that I need to pay a penalty fee, since based on XXXX  XXXX, the title transfer has to take place within 10 business days from the date the vehicle was purchased. 

After coming back from the local XXXX, I contacted TFS, and they said they have requested a duplicate title, but it may take 6-8 weeks, which is quite a long time! On their own website, they say it should they 15-30 days! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible, so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

I am incredibly frustrated with TFS and would like to be able to get the duplicate title as soon as possible so that I can finally have the car title under my name, since I am the owner and I paid for the car in full long time ago! 

Moreover, I would like to be reimbursed for the penalty fee that I need to pay to my local XXXX  XXXX. 

TFS should overnight/expedite mail the duplicate title to me, as I am the owner of the car and they have neglected to do so in a timely manner over the last several months. Further, TFS should reimburse me for the XXXX penalty fees that accrued because they did not send the title when they were supposed to, and have failed to effectively address my many calls and complaints since that time. 

To be clear, in my view this is the bare minimum to resolve the immediate issue. I have been a loyal Toyota customer and promptly paid any bills or otherwise upheld my responsibilities. If they have any interest in retaining me as a customer in the future, they should compensate me for the significant time and energy I've put into resolving this issue by covering my next bill for Toyota-recommended car service ( based on current mileage ).
Product: Credit card

I made my payment well Over a week and a half before my due date. I called and asked a representative how long it would take for them to take the payment from my account and she said 2-3 business days so I made sure the money was in my account for that time but they never even tried to take the payment but reported the payment as returned and then never notified me and reported me as late to the credit bureaus, which dropped my score by XXXX points.
Product: Debt collection

I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.
Product: Debt collection

There are several issues with this company. 
Beyond the nasty attitude received each time I attempted to resolve, they are reporting inaccurate information. 
The bill includes a Dr From a 2013 visit. They have been very disorganized. They have manipulated information on bill to keep on report. 
This bill also includes a visit that was a result of a false police report and was even told by sheriff 's department to drop bill and refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Product: Credit card

I was off work last year XXXX XXXX months due to illness and unemployment. I have closed both of my Chase credit card accounts and have enrolled into the XXXX XXXX XXXX for both cards. I used the alternate month payment option not being aware that the skipped payments payments would count as 30 and 60 days late on my credit reports. I have contacted Chase, quite angry on several occasions, written to Chase and all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX & XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from FCO in an attempt to collect a debt. Fco has  themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 

1. Full original account number
2. Date original account opened
3. Any and all written agreement ( s ) between myself and the XXXX XXXX stating I agreed to pay alleged debt
3. Consumer address at which original account was opened
4. Date of first delinquency
5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor.
 If FCO is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or  fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : 
 Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX 


Absolutely no phone calls from fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco bureaus to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, XXXX is reporting it as open and XXXX and experian are reporting it as a collection... XXXXXXXX is also reporting this 120 days late and a collection thats double dipping, XXXX is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Product: Credit card

I went into XXXX XXXX XXXX so purchase some XXXX, they were having a special if you opened a credit card and there was a large discount. I usually do not do this but I went ahead and opened an account and spent {$100.00}. This was around the beginning of XXXX or end of XXXX. 

I received a bill and the account number was listed with stars and then the last four of the credit card number. I sent a payment in full on XX/XX/XXXX to avoid any interest. I then received a call from a company called Comenity, I had no idea who they were. They asked me personal questions which of course I refused to answer but they said they were affiliated with XXXX XXXX XXXX. I called the customer service line for XXXX XXXX to find out what was going on and was told they didn't have my payment. I spoke to them XX/XX/XXXX. I filed a request to find my payment and send them proof from my bank that the payment was issued by mail. 

I then received a letter from them and called to find out what was going on on XX/XX/XXXX. The lady advised me to make another payment of {$33.00} to make sure I didn't get another late payment and informed me that late charges were applied. I called my bank and they contacted XXXX XXXX XXXX. We had a conference call and my bank issued another payment for the XXXX. XXXX XXXX XXXX said that they wanted the entire credit card number on the payment but that's not what is on the bill so that it was lost or not processed. She issued a credit for the {$30.00} late fee and XXXX dollars of interest. I asked for the account to be closed but they said until all the payments were processed correctly they didn't want to close it. 

XXXX  XX/XX/XXXX I received another bill from XXXX XXXX with the balance of {$61.00}. They did not apply the {$33.00} payment and I do not see it coming out of any of my accounts. They charged me {$3.00} more interest a {$40.00} late fee and a {$15.00} late fee debit. The {$3.00} interest rate see from last time is still there. 

I called again today XX/XX/XXXX and asked for a supervisor. I I'm very angry and ask them to erase all the fees and close the account. Unbelievable! 

After 1/2 hour on the phone she said that I need to call back tomorrow and they will review the tapes on my account for the recorded calls and I should have a resolution. I have never had this much trouble with any credit card or any bill. I did let them know that I am filing a complaint with you. 
Their phone number is XXXX