23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lack of credit for loan. I am XXXX. I have been on SSDI forever. I had been working on gaining credit before but then when I got married XXXX XXXX, government took over half my check. So tell me how am I supposed to build my credit further. So regardless of the fact that I have a good score and almost the total amount needed in my account already. Still denied. Their system is completely biased against those with low income and in poverty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.
Product: Debt collection

Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... 
I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?
Product: Debt collection

I received a letter from American Coradius International LLC with my address on a bill purporting to collect a debt from a XXXX account but with someone else 's name on it. I do not owe anything to XXXX. This person or company is applying my address to someone else 's debt. I am sure this is a scam at best and could represent identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- Equifax, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, XXXX, and Equifax. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. Equifax Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX  added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. XXXX XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX Account number XXXX, XXXX XXXX  balance {$1900.00} account number XXXX open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$19000.00} open date XX/XX/XXXX, XXXX XXXX XXXX account number XXXX balance {$1200.00} open date XX/XX/XXXX, XXXX XXXX XXXX  account number XXXX balance {$570.00} open date XX/XX/XXXX, XXXXXXXX XXXX account number XXXX open date XX/XX/XXXX balance {$10000.00}, XXXX XXXX account number XXXX balance zero open date XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX balance XXXX account number XXXX XXXX XXXX Account number XXXX balance XXXX open date XX/XX/XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX open dates XX/XX/XXXX XXXX XXXX open date, XX/XX/XXXX balance {$690.00} account number XXXX,
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

I received repeated calls from XXXX from people claiming to represent Pacific Retrieval. They told me a car was in my name was towed and they were going to charge a fee and proceed to debt collections. They continued to call all of my family members and used aggressive language to harass over 4 family members. I do not have this car and they won't stop harassing us.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I contacted the Pentagon Federal Credit Union so they could assist transferring {$5000.00} from my checking account to XXXX, as I was trying to pay more on the principle of my vehicle note. At that time, I was informed that a cashier 's check would be issued. After checking daily to see if the check had posted and calling Penfed to see what was the holdup, I was informed that I should give the mail system some time. 

After seeing that it was XX/XX/year>, and the check had not been posted, I called Penfed once again and requested that the check be cancelled. At that time, the agent I spoke to told me that the check would be cancelled as requested. The following day, I called Penfed again to verify that the check was cancelled only to find out that the check had been cashed through XXXX. After multiple attempts to find out why the money had not been posted on either account, I decided to file this complaint. XXXX states they never received the $ XXXX and Penfed says that they can not do anything because the check had been cashed. 

On XX/XX/year>, I filed a dispute through Penfed and was given new accounts. However, I am still $ XXXX in the hole and no one can tell me where the funds are located or have placed it back in my account. I have spoken to numerous representatives since XX/XX/year>, from Penfed as well as XXXX and STILL have no resolution. XXXX also stated that they could not help me since the check had been cashed through XXXX.
Product: Money transfer, virtual currency, or money service

I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received on my credit report, Sequium Asset Solutions, has charged me {$950.00} for an XXXX XXXX XXXX bill. I have contacted XXXX XXXX XXXX  and they can not pull anything up when I have given them my information. I have looked online and the company is a scam and they have done this various times. I am disputing the charge from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting

Experian refused to investigate my identity theft claim of unauthorized and fraudulent accounts and credit inquiries listed on my Experian credit report, even though I filed a police report with the XXXX XXXX Police Department and have a police report on file. Police report case number : XXXX : XXXX. I am a victim of identity theft. The following accounts and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXX Bank, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX.
Product: Mortgage

we got behind while I had to change jobs during XXXX. we got with the finance company and split the skipped payment up over the next three months with no late fees. we were told by the original payment planner that it would not go on our credit if the payments over the next XXXX months were made on time and increase by XXXX % to cover the missed payment. we did that and never had an issue or call from the mortgage company. was not aware this was on our credit report until we filed for an XXXX loan XXXX weeks ago. XXXX loan pending removal of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. 


ELOAN/BPPR/AVANT XXXX XXXX XXXX
Product: Credit card

Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.
Product: Checking or savings account

XXXX XXXX called me on XX/XX/XXXX. Upon answering the phone, a gentleman told me i qualified for a subsidy but i would first have to pay a enrollment fee. i told them i did not have the money for the fee at that time. I made it very clear to the man that any funds i had was spoken for, for upcoming routine bills. He put me on hold as he connected me thru to his finance manager to possibly approve for delayed partial payment. A lady answered and after i re-explained the importance of the money i had and my unfortunate financial situation at that time, the lady agreed and promised not to take the funds from my account until XX/XX/XXXX. I asked her, '' you're sure my account won't be affected until XX/XX/XXXX? She responded, " yes sir, we will not withdraw any funds until XX/XX/XXXX. '' i said, " okay then. We finished the conversation and hung up the phone. They took out more than what they initially told me they were going to take ( {$160.00} ) less than an hour after i talked to them. I immediately called Credit Karma and filed a dispute. Almost weeks later i managed to find XXXX XXXX email from notes I wrote down during our conversation and requested a cancelation of their services. Since then Credit Karma denied my dispute XXXX XXXX took out another {$130.00} from my Credit Karma account on XXXX XXXX XXXX, XXXX Innovative Health took another {$130.00} from my account. Credit Karma still has done nothing when i talk to them. They tell me my dispute in another review and to monitor my email for their response
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX  - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hello, after 4 months of trying to resolve a transaction on my CITI credit card with the merchant I filed a transaction dispute with CITI on XX/XX/XXXX. I provided a timeline of the events, cancellation, and conversations between the merchant and myself. 

On XX/XX/XXXX I received a notification from CITI saying the merchant would not provide a refund and CITI asked for a confirmed cancellation. I called to reopen the case and requested that they review the cancellation / notes provided to the merchant. Note : No one ever reached out to me about the matter and I had to continue to call to get a status within the 60 day timeframe of resolving the initial dispute. I sent the documents requested, but never heard anything back. On XX/XX/XXXX I contacted CITI asking for a status. CITI noted that they were still missing a document ( but no one ever called me on it ). I resent a signed document to XXXX. They also noted they had 180 days to resolve the dispute. 

Each week / month I would call asking for a status and I was told an investigator would be reaching out to me, but never had anyone contact me. 

On XX/XX/XXXX when I was following up again ( with still no one contacting about the transaction I did not authorize ) XXXX from CITI advised me that they were still missing documentation. Which did not make sense because I had been calling for weeks/ months and this was the first I was hearing of this. He also noted the investigator should have reached out to me and that all they need is a cancellation statement and would refund me.. I resubmitted all my documentation again to XXXX. 

On XX/XX/XXXX I received a letter saying that the proper documentation was not provided and my case would be closed. I called and spoke to XXXX  ( supervisor ) and was advised that some one should have contacted me on the case and that they also should have told me about the document issue. XXXX advised that the case would be re-opened and that an investigator would contact me on the facts. 

On XX/XX/XXXX I received a letter saying that the merchant did not want to provide a refund and the case was officially closed. When I called the supervisor said there was nothing they could do if the merchant did not want to return the funds, but I never authorized the transacted amount! 

To sum it up, I was never contacted once on my case outside of the letters, I was never advised on the documents the investigator wanted, and they are allowing merchants to overcharge on amounts not confirmed! 

Based on my review CITI is violating the Record Retention - Section 1026.25 and did not properly handle the billing dispute. They also did not following the process for the Fair Credit Billing Act of 1975 with the merchant error.
Product: Credit card

I, XXXX XXXX, respectfully requested a full and permanent settlement of disputes in my favor. XXXX  business credit card account number ending : XXXX. 
Case XXXX & XXXX & XXXX & XXXX. 

For this I have reopened my disputes yet Bank of America continues to bill me interest for the open disputes.
Product: Credit reporting or other personal consumer reports

I received a response for my initial complaint on XX/XX/XXXX from XXXX XXXX I am disappointed and to be quite frank, just flat out insulted. There was NO evidence or documentation sent with MY signature anywhere on it, proving validity of this account. She literally just sent a copy of a generic agreement that PNC established in XXXX and typed up a summary of the attachment that I initially sent ; everything she stated was information that was just pulled from my copy of my credit report that I sent, very unprofessional. Please provide LEGAL paperwork showing where both parties have " signed '' and " agreed '' ( Myself & PNC BANK XXXX. ) for the opening of this alleged account or simply discontinue any collection activity ; including any reporting/collections from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XXXX XXXX and noticed something are incomplete and not accurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. i sent a letter asking them to reinvestigate these accounts listed below because..syncb/lowes.XXXX
Product: Credit card or prepaid card

On my XXXX Chase Credit Card statement, the total shown for all balances subject to interest going forward in time is greater than the statement closing balance. When I questioned Chase how this could be, they did not answer my question. See attached files for explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home Loan was with XXXX without my knowlege trasfer my loan to SLS special loan service thgey took mutiple payment from my BANK account Give me trouble sionce very first day when i provide them my account number when i reauest to correct amount they increse more monthly payment when i request again they sent wrong info to credit beuaru my loan in modification my score down and impact my good hiostory make meesed up very unprofesional and incenane
Product: Debt collection

Collection agency is continually harassing staff at my place of business to try to collect a debt that is not mine. Agency is asking personal questions about me to other people at my place of business. Agency is threatening to garnish wages without justification. Agency has not honored repeated requests to not call again, especially to my place of business.
Product: Credit reporting or other personal consumer reports

Southwest Credit Systems LP, said account to had been opened XX/XX/2025 ; the said amount owed {$360.00} has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. XXXX Account Number : XXXX 4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.