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

I'm a XXXX XXXX XXXX man who has never been able to properly use my credit since the age of XXXX. The credit bureaus left judgements, bankruptcies, evictions etc. on my name for many years from my father having the same name. I tried to handle this for many years XXXX, Transunion nor XXXX would ever assist. They even stated they would give me a new social but it never happened. Fast forward I have those things off left with a devastating score and my life has never been able to be on course with the use of credit. I feel I need to be compensated for all of these years of not being able to live a proper lifestyle due to my credit being tarnished before I was even out of high school.
Product: Debt collection

I was in a lease agreement at XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was in a XXXX XXXXXXXX situation living in the property which the property manager was aware about. I stayed until my lease was over and I had a past due balance which was paid in full prior to me leaving. I tried to go back to my email receipts which the property manager sent me on XX/XX/XXXX stating that I was paid in full and now I'm not able to access the emails at all, it's now saying " This message can not be loaded '' as if it was tampered with. I've also reached out to the property numerous of times regarding this issue leaving voicemails and constantly calling throughout the days with no contact back. I'm very concerned with this issue because it's affecting my credit report and the last interaction I've had with this property ; I was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX criminals!!
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Credit card or prepaid card

On XX/XX/XXXX, we purchased a treadmill through XXXX for {$1300.00} on our Chase ( Southwest Airlines ) card. The treadmill was not delivered to us -- with many ( documented ) calls and chats to/from XXXX. We received tracking information showing it was delivered to someone we don't know in a different city. XXXX kept asking for more time to deliver it to us.

On XX/XX/XXXX, after 6 weeks, we disputed the charge with Chase after trying to cancel the order with XXXX. XXXX then challenged our dispute -- stating they had delivered the treadmill. After many calls with Chase, we mailed back to them a 50+-page packet on XX/XX/XXXX showing our paper trail ( chat call logs and dates/times of phone calls, etc ) including the delivery of the treadmill to the other city, not to our home address as it showed on the order. Chase had sent that packet to us -- and it already showed our address on the order, as well as the address in the other city where it was delivered. In talking with Chase representatives, they never seemed to " understand '' that they had the information -- instead putting the onus of proof on us.

Today, XX/XX/XXXX, I received an email from Chase that the " Return Protection '' on my card is no longer available -- even though the dispute has not been resolved yet. I called Chase. I spoke with two different representatives trying to complain about the Return Protection being cancelled. XXXX told me that the service provider for benefits is a different company. I asked her if Chase does not care that this other provider is not handling disputes well and that I plan to cancel my card. She re-directed my call back to the original menu. After being on hold again, I hung up.

I am complaining that my " Return Protection '' was terminated simply because I challenged the charge -- even before the dispute has been resolved. I also am complaining that disputing the charge has been difficult and time-consuming when they had evidence that we never received the treadmill.
Product: Credit reporting or other personal consumer reports

Ive disputed incorrect information multiple times and it comes back as accurate there is so many inaccurate things on my report
Product: Debt collection

I, XXXX XXXX, consumer, HEREBY DEMAND LVNV Funding LLC to comply with the Fair Debt Collection Practices Act15 U.S. Code 1692g ( b ) - Validation of debts. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I have been trying to get Equifax to report correctly. They sent me a letter stating it 's been taken care of, but it 's still reporting the same -- that the amount is owed. XXXX has not corrected it as well, I 've been trying to deal with this issue for over a year and it is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports through XXXX XXXX and Experian. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Product: Debt collection

XXXX XXXX XXXX  XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( insert date. Always add month and year ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Consider this an unequivocal demand for your immediate investigation of specific items that I firmly believe have been erroneously reported. These items are not only factually incorrect but are also inflicting severe financial and emotional distress upon me due to their damaging nature. I insist upon the immediate deletion of the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These listed items are grossly inaccurate and demand correction without delay. It is my unwavering belief in the law that mandates your investigation to be completed within a strict thirty-day window. I anticipate nothing short of a prompt response from your end. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX and again XX/XX/XXXX to dispute some personal information inaccuracies on my credit report. I included a copy of a utility bill, my social security card and my drivers license with my correct name XXXX XXXX XXXX XXXX as well as my correct address 4XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I informed Experian of the errors on my report which were an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and an incorrect name of XXXX XXXX. I do not live at this address and I have never gone by the name XXXX XXXX. I received a response from Experian on XX/XX/XXXX that the information had been updated. I am unhappy with this response because false/inaccurate information should be deleted not updated. I find it hard to believe that a thorough investigation was conducted in 11 days. As I stated previously I provided my social, state issued ID, and a utility bill verifying my address and correct name. There is no reason for this inaccurate information to be on my credit report. It is a violation of the FCRA.
Product: Credit card or prepaid card

I made the mistake of signing up for a XXXX Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment ... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month ... a hassle I haven't had to deal with for nearly a decade. Dark ages in terms of financial services. So when I was traveling last summer ... guess what? Forgot to pay my bill online and they hit my credit AGAIN. They also hounded me mercilessly by phone after I emailed about the problems, to the point of harassment. I finally asked for my outstanding balance and instructions to close the account because I was so sick of dealing with them and guess what they did. Closed the account without further communication and reported the outstanding balance to credit agencies, further damaging my credit. I wanted to pay it off and then close the account, not close it with an outstanding balance. They are responsible for lowering my credit score over 100 points for less than {$800.00} in credit. I am also now convinced that XXXX refuses to offer autopay to induce late fees, which according to other reviews Ive read are consistently added in bad faith. CORRUPT AND ABUSIVE.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on May 31st, 2024 and noticed some things 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX XXXX account number XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
<P/>
Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
<P/>
Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
<P/>
I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.
Product: Checking or savings account

I'm sure that I didn't even have a real account and on several times I could not cash my payroll checks
Product: Mortgage

I want to complain about Citi mortgage service. 
I applied for refinance back on XX/XX/XXXX. However, it still hasnt been closed now ( Today is XX/XX/XXXX ). so Its been 6 months without closing. The due date and rate lock due date shows on their website is a joke!!! The date was postponed 3 times until now. I was asked to submit some documentation on XXXX XXXX but after that I havent heard anything back from them. I tried to directly email, call the loan officer, associate, assistant that used to have communication with me. but I got nothing. no email reply. thousands of voice mail, but no picking up. Finally the loan officer gave us a call on someday XXXX, XXXX, but the conversation didnt help at all, just let us keep waiting. 
I am also a XXXX customer, and the customer service also doesnt help at at all. They just redirected me to the mortgage department. and speaking of mortgage department, its the worst customer experience I have ever seen. Not only because I was treated rudely, also not helpful at all. I called them for any solutions. Guess what they proposed. They told me to cancel the mortgage. Excuse me, if I want to cancel the mortgage, why would I waste time calling you? 
Today I got an email form them to provide some updated docs, but the mortgage is still pending underwrite. I emailed back and ask for them to give me a call back. but again. I was ignored. 
I do appreciate the competitive rate they provide, but Im actually losing money if I keep waiting for close. 
I really want to type the name of the loan officer and associate here, but it will be against the rule.

Im really exhausted working with Citi at any point. I just wish the mortgage can be closed soon. If they postpone the due date again, Ill definitely consider canceling it. So disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) 3 ) 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 tried to have Trans Union to correct the inaccurate information and I also notified them of the fact that they were in violation of my federally protected consumer rights. They have yet to delete the information per my request or update my consumer report.
Product: Checking or savings account

I am attempting to close the Estate of my deceased parents. PNC holds at least one account in their names. I have submitted everything legally necessary to validate my authority for both deceased parents. Yet PNC will not release the funds. I initiated this process with them in XXXX of 2020 and have followed up multiple times speaking to multiple PNC associates about this matter. Still no action on their part. 

XX/XX/XXXX : Met with XXXX XXXX ( XXXX ) at PNC to present my information. I have at least 13 e-mail follow ups to XXXX XXXX and others plus multiple phone calls. 

PNC initially asked for additional legal documentation which I have provided. 

Others Spoken with : XXXX XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Ph. XXXX Fax. XXXX XXXX XXXX XXXX, Retail Escalations XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my student loans and grants that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX XXXX etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my UTMA account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for loan XXXX XXXX and the late payment on XX/XX/XXXXthat was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor XXXX XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC.,  reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.