23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2017, I went to the XXXX XXXX XXXX XXXX XXXX Hospital in XXXX. I provided them my insurance information from XXXX XXXX XXXX XXXX XXXX XXXX ( we had just moved and our insurance was still active ). We paid the co-pay of {$250.00} and they billed insurance for the rest of the amount. 

The original total was {$1300.00}. 

For some reason, the insurance payment did not go through due to a coding error. XXXX XXXX XXXX XXXX XXXX resubmitted it, but before the payment was received by them from insurance, they had sold the debt to a collection agency. When it originally went on my credit report in 2017, I called them and they removed it from the collection agency ( it was too long ago for me to remember which one it was called ), and that collection agency removed it from all credit reports including XXXX, XXXX and XXXX. 

In early XXXX, I noticed on XXXX XXXX that I had a new collections added to my account and I saw it was for Sequoia Concepts Inc. I never recieved anything via USPS ( mail ), email, or a phone call to inform me of this debt being collected. They put it on my credit report before I had a chance to refute it with them and work it out on a three-way call with the hospital. 

When I called Sequoia Concepts INC and asked for them to send me proof of debt, while refuting it with them and doing a three-way call between them and the hospital, they told the hospital and myself they could not send a letter of proof, but that the debt had been sold to them and accrued over four years of interest on it, now making the balance {$1900.00}. They said my only option to get it removed from my credit report was to pay it in full. They refused to send proof, or agree to remove it at the request of the hospital. 

I have tried to dispute this with XXXX but they wanted me to file with the CFPB first because Sequoia Concepts INC just tell them it's valid. I'm left with no other option than to try to see if you guys can help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act displaying the address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, GA XXXX. I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, XXXX is reporting unknow payment status and and no payment history, XXXX is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$420.00}, XXXX is not reporting this account, XXXX XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$26000.00}, XXXX is not reporting this account, XXXX/XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$0.00} and XXXX  is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX and XXXX are not reporting this account, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$350.00}, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Mortgage

In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a loan for my XXXX XXXX XXXX , back in XXXX to attend the XXXX XXXX XXXX XXXX for {$7000.00}. She has since XXXX  and has moved on to acquiring XXXX XXXX XXXX and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with XXXX XXXX scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.
Product: Credit reporting or other personal consumer reports

I am sending this request to dispute the inaccurate reporting of a XXXX account on my credit report. Upon reviewing my credit report, I found that XXXX is reporting the information correctly, while the Equifax and XXXX credit Bureaus is not. 
XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

My vehicle was serviced XX/XX/2023 at XXXX XXXX XXXX XXXX. They charged {$2100.00} ( that was with a {$900.00} discount so originally it was calculated at {$3000.00} repair ) I got my vehicle back in worse condition, it took a few weeks for me to research and check it out to make sure it was just because my vehicle is old, when I found out they did not do the repairs they charged for, I called the shop, a worker said bring it in we will fix it, took it back to the shop, the owner called and said this is not our problem get your vehicle immediately off our property we do not even have the equipment to fix your type of vehicle, I spoke with him calmly and directly and asked how he fixed it in the first place, what repairs were done, why it was doing the things it was doing now, he started yelling and said take it to someone else, you got what you paid for discount service. 
I contacted Credit Karma immediately to dispute the amount that was charged by the shop. I received an email with no explanation just stating my dispute was denied. It took months for me to find a new repair shop I believed could be trusted, would inspect the entire vehicle and possibly fix what someone else may have messed up or done wrong. 
I received the inspection report and contacted credit karma again stating I have proof this charge was for a service that was not rendered. They replied " Hope this email finds you in good spirits .... After careful consideration your dispute has been denied ''. Again no explanation or anything just a informal email like writing to a distant family member. I responded with legal information, agreement terms, all the reasons why I believed they should help my situation. 
They responded over a week later, there has been no error we were unable to recoup any funds to refund your dispute. 

My understanding, they should not have to get approval from or be in agreement with the merchant/provider they should accept the proof of non service, review and provide a refund if it supports the customers claim.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious issue with TransUnion 's credit reporting practices, which have significantly impacted my ability to secure loans and credit. Over the past few months, I have been consistently denied credit and loan applications due to inaccurate information provided by TransUnion. Despite my credit report being accurate, the credit score reported to banks and lenders is often 150 points lower than my actual score. Furthermore, TransUnion incorrectly reports public record delinquencies and bankruptcy, which I have never had. 

On XXXX, XX/XX/year>, I contacted TransUnion and was assured by an agent that the information being sent to lenders was indeed inaccurate. After updating my address and phone number, I was told that my credit report would be updated " almost immediately. '' However, when I applied for a credit card on XXXX, XX/XX/year>, I discovered that TransUnion had again provided incorrect information to the lenders, XXXX XXXX and XXXX. The reported credit score was XXXX, while my actual credit score is XXXX. 

This discrepancy has resulted in repeated denials of credit and loan applications, causing significant financial hardship and limiting my access to essential financial services. I urge the Consumer Financial Protection Bureau to investigate this matter and take necessary actions to ensure that TransUnion corrects these errors and provides accurate information to lenders.
Product: Credit card

This complaint is against Comenity Bank with the Lane Bryant Credit Card. 


I received my XX/XX/2023 statement for this card with a due date of XXXX for a balance of {$220.00}. On XXXX I paid the balance of {$220.00}. On XXXX, Comenity Bank erroneously charged me interest of {$4.00}. Since it is a store specific card, and I paid the balance, I had not logged back into the card until XX/XX/2023 when I went to make a purchase and my card would not work. I messaged the customer care department and they told me my credit limit was reduced ( from {$300.00} to {$100.00} ) because I was late on my payment. I never received mail, and email, a phone call, or anything from Comenity Bank telling me my balance that I didnt even think that I had was overdue. 

The credit card statement I receive each month states the following : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. **We will not charge you interest on purchases if you pay your entire balance by the due date each month**. 

My due date was XXXX, and my balance was paid in full on XXXX. 
They have also since then assessed fees and interest charges, totaling my now balance they are saying I owe of {$23.00} as of XX/XX/2023. 

I have been going back and forth with them now since XXXX regarding this. I dont care about the credit card, I asked them to close it out, but my issue is they are trying to say I owe interest I do not owe. I have requested several times even to attempt to settle out the account and be done with it to pay the {$4.00} that I should not even owe if they would refund the fees so we can be done with it and they refuse. I dont think I should even owe the XXXX, as their own terms state that they will not charge me interest if i pay my entire balance by the due date of each month, and my entire balance was paid by the due date of the month. 
everytime i bring this up to them, they just send me the same message that i was charged interest on XXXX of XXXX, and completely dismiss the fact that the interest should not have been charged on XXXX because they received payment in full on XXXX. 

Please help me, because this is very frustrating. I shouldnt even have to have had to close the card out and do all this. I have had this card for years, usually use it seasonally then pay the balance off in full and then the next season do the same thing again, as i am seasonally shopping for clothing items. 

thank you for your help.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.
Product: Vehicle loan or lease

I purchased a used vehicle a XXXX XXXX XXXX from a car mart in XXXX they never really told me the amount of the automobile which was for something around XXXX total the loan would have been XXXX for a XXXX XXXX XXXX car XXXX months later I got into a wreck and totaled the car between my insurance company and the car lot took XXXX months to do anything about the vehicle well the night before the insurance company was scheduled to pick up the car dealership came and picked the totaled car up and has since then resold the vehicle well I got stuck with the whole amount of the loan I received no help from either my insurance company or the car dealership I have since then lost my job and house and Im currently homeless and jobless struggling to just survive and I have no one that is willing to help me truthfully Im not sure Ill be XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion via USPS certified mail, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN - XXXX - $ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have these two collection accounts on my credit report from a company call XXXX XXXX XXXX which i have never done business with. It appears those two accounts are original from two capital one credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, XXXX XXXX XXXX started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB did not help me at all and is now not allowing me to provide feedback when they asked for it. The CFPB should NOT allow Equifax to provide a phone number for us that does not answer the question asked. It has taken over 2 years for Equifax to pay {$120.00} each to my husband and myself for the Equifax breach of personal info. They say they are still working on it, then our case ( XXXX ) is closed with no answer of WHEN we will be paid for the breach of our data!!! The CFPB should be demanding payment that has been promised to us for 2 years ( {$120.00} each ), yet we are being ignored and told to contact the FTC or else the CO Legal Services. This is the CFPB pawning us off on other agencies instead of them telling Equifax to pay people for the huge breach they caused over 2 years ago!!! Equifax also sent a confirmation number in a letter dated XX/XX/21 of # XXXX, when I never contacted them. I asked for help on this from the CFPB, and the CFPB did nothing, and then asked for feedback in an e-mail and then does not allow for that feedback to be provided. So here is my feedback : CFPB is nothing to help!!!!!
Product: Checking or savings account

XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
<P/>
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
<P/>
I most certainly can get written statements from everyone if they want that.
<P/>
I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
<P/>
At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
<P/>
Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 my sender from XXXX transferred XXXX Euros to my bank account in XXXX. 

Unfortunately she missed one digit of of my bank account. We have tried to ask Transferwise yo bounce back the money to her but till today over three weeks nothing yet. 

We feel so frustrated by transferwise bearing in mind the sender is a bit aged and tired to keep following. 

It is illegal for them to keep that money for all that time. Kindly help
Product: Credit card or prepaid card

XXXX I filed a dispute for {$77.00} regarding an Amazon return and the fact that Amazon put the amount of refund on an Amazon Gift Card instead of this Amazon XXXX Chase Credit Card. I was advised that the {$77.00} would be immediately credited to my account and that Amazon had 15 days to respond. 
The credit of {$77.00} was not placed on my account. On today, Wednesday, XXXX the representative stated to me that I was trying to get the gift card and credit. This is not true. I have repeatedly requested that Amazon transfer the {$77.00} from the Amazon gift card to Amazon XXXX Chase credit card. The supervisor was antagonistic and would not transfer my call.,