23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Subject : Request for XXXX Form and Deletion of Account from Credit Report Dear XXXX Auto, I hope this letter finds you well. I am writing regarding the account with the reference number XXXX, which I understand has been discharged or forgiven. I would like to request the following : 1. Issuance of IRS Form 1099-C : Please provide a copy of the 1099-C form for the year in which this debt was canceled. This will be necessary for my tax filing purposes, as I am required to report the cancellation of debt as income.

2. Deletion of the Account from My Credit Report : Since the debt has been canceled, I kindly request that you ensure the account is removed from my credit report with all the major credit bureaus ( XXXX, XXXX, and XXXX ). As the account is no longer active, I believe it should not appear on my credit report, and I would appreciate your prompt assistance in this matter. 
Please let me know if you require any additional information from me to process this request. I would be grateful for your assistance in providing the 1099-C form and ensuring the removal of the account from my credit file.

Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a generic voicemail asking for my current address and employment. The voicemail did not disclose what the purpose of the call was for or why the info was needed. On XX/XX/2021 I received another voicemail from XXXX XXXX who asked the same questions and did not state the reasons why the personal info was needed. That same day a couple of friends and family members reported getting voicemails from XXXX XXXX asking the same questions about me. On XX/XX/2021 I tried to call the number from a blocked number to try to find the name of the company. XXXX answered and did not disclose the company name. I ended the call. She immediately called back and left a voicemail asking me to call her back letting me know the call was ended even though the number was blocked. I filed a complaint with the XXXX  on XX/XX/2021. One XX/XX/2021 I left XXXX a voicemail requesting a call back requesting the name of the company and the nature of the call. On XX/XX/2021 I called since I have not heard from her. The director, XXXX XXXX, answered the phone and proceeded to tell him since I filed a complaint with the XXXX  he would not talk to me. He said he responded to the XXXX. I checked the XXXX  and he did respond on XX/XX/2021 and it stated I could call him and he would be more than happy to explain what is going on, but yet when I call today he refused to provide any info. I have no idea why this company is calling me since they refuse to speak with me and no letter has been mailed.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Everything has to be 100 % accurate on my credit report.

The HIPAA Privacy Rule sets limits and conditions on the uses and disclosures of XXXX that covered entities and business associates may make without an individuals authorization and provides individuals with rights with respect to their health information. 

The attached letter was sent via certified mail on XXXX/XXXX/3023 to Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXX The customer service representative on the phone told me the reason for the visit. The company sent a breakdown of fees and diagnosis codes from XXXX XXXX XXXX XXXX but did not provide written proof that I had give permission for them to have access to my health information. The company removed the derogatory remark form my credit report with XXXX, XXXX, and XXXX and re-added the remark on XX/XX/2023. XXXX customer service representatives with Wakefield & Associates confirmed there is a " cease & desist '' remark attached to the account in their computer system yet the company reported the same account to the XXXX credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2023 I made a payment of {$6100.00} to be applied to a balance of {$8400.00}. Approximately 2 weeks later Upgrade XXXX lowered my credit limit to {$2300.00} without an in detail notice - just a very vague email. I have always paid on time except for back in XXXX when my payment was 6 days late. This happened due to a family emergency and my mom being hospitalized. I contacted them and went on their hardship program for 3 months and made the hardship payment on time every month for 3 months. While on the hardship program my account was suspended which I was aware of. After finishing the hardship program at the end of XXXX, Upgrade reviewed my account and gave me back my full line of credit to use. My point is is that they should have lowered the credit limit then- at the end of my hardship program when they reviewed my. Not after I paid them a huge payment of {$6100.00} over a month later. That is indirectly stealing a consumers hard earned money. I am asking for {$4000.00} of that money back or pay the current balance of {$2300.00} and receive the remaining amount back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

The following inquires were opened up under my social security file fraudulently. These inquiries were not done by me. These inquiries are in violation of my FCRA rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

This company sent me a letter that does not belong to me, the only thing that appears to match any of my information is a first name, the last name is incorrect I believe they are mixing my file with someone else 's because there is also an incorrect drivers license number. They claim that there's a warrant for my arrest yet I've just updated my drivers license and nothing was ever mentioned about warrants also this is a collection from over 20 years ago and this is the first time I've ever heard of this and they are sending notices to my address, the date of offense on the letter is XX/XX/1994. I was in highschool at that time and have never wrote a check while in highschool so the entire letter to me seems odd and suspicious. I've checked with the courts whom they say theres a warrant with and there is no warrant for me because they have invalid information.
Product: Debt collection

We are a restoration repair company, we performed repairs on a residential home due to water damage. The insurance company issued us a check with the homeowners name on the check and their mortgage company. We sent the check to the mortgage company, for their endorsement, so they could send back to us so we could deposit in our bank. Then the mortgage company kept the check because the homeowner 's had not made a mortgage payment in a year and a half. The mortgage company gave us false information to get us to mail them the check.
Product: Mortgage

My mortgage was sold by XXXX to Freedom Mortgage and in spite of my numerous communications with Freedom, I have not received complete and accurate loan ownership transfer notice.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account XXXX  XXXX Bankruptcy XXXX XXXX : XXXX :
Product: Debt collection

Original creditor removed negative report on my credit, due to the fact that they were billing me for debt that was not mine. 
Lvnv funding collections is trying to collect on a false debt. They are claiming it is valid. That is false. Please report this company and please remove this from my credit. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I have been a victim of Identity theft and have requested an investigation from the credit bureaus. As part of my request, I provided a copy of my Identity theft report with proof of Idenity... ( ID and SSN Card ). I also requested a fraud alert be placed on my credit profile as well as the removal of the fraudulent accounts and any addresses associated with the fraudulent accounts. The bureaus have responded by asking for more verification which I have provided.
Product: Checking or savings account

On XX/XX/2023 my account through NetSpend was closed. I was not told why and the remaining money was supposed to be refunded to me in a check sent to my address. I inform them XXXX different times that my address had changed and tried to give them my address. I called them tonight on XX/XX/2023 to see what the tech was cuz I had not received it yet. The customer service representative informed me that due to security reasons they could not change my address to have this check sent to me therefore I don't get my money.
Product: Debt collection

Was told I had a charge off account with Navy federal for a mastercard platinum from XX/XX/XXXXfor about {$950.00} and will not let me withdraw my savings account or close it out until the debt is paid and when I asked for statements and ways to verify the debt they said they cant because it's a very old account I told them I will not pay for a debt that I cant even verify is mine and that they cant just hold my savings account funds indefinitely to cover that debt. I also found a letter dated from XX/XX/XXXX and it said I had to make a payment or they would contact my chain of command to force me into making a payment arrangement back then. I think Navy Federal has unethical collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX : # XXXX, Account XXXX  XXXX XXXX : # XXXX, Account XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

On XX/XX/23 I wrote Experian and sent a letter of that same day for the account XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX. XXXX  is XX/XX/23 and I have yet to receive any type of response. You are reporting a completely incorrect payment history! Please investigate this matter immediately and remove all of these late payments. I have never been late!! Furthermore, you are reporting my mortgage ( which is closed now because the house has been sold FOR A PROFIT ) as a foreclosure. Your reportings are completely incorrect and false!!! This home was NEVER a foreclosure. It was PAID AND CLOSED IN FULL. I want you to please remove this inaccurate information from my credit report please.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.
Product: Credit card

Saturday XX/XX/XXXX I learned by account Goodman Sachs - Apple Card had been restricted. It was because their systems had flagged it because of an open bankruptcy case. I and the co-onwer do not have any open bankruptcy case. My automatic payment schedule for Sunday XX/XX/XXXX was canceled. 

Tuesday XX/XX/XXXX I received a call from Goldman Sachs and was told the review would take about 15 - 20 days when before I was told it would take 10 days. At this point I told the representative that I wanted to pay off the full balance on the account and close it. The representative said that could not be done while the account was being reviewed. 

Monday XX/XX/XXXX the co-owner on the account received an alert of a collection account being added to his credit report from XXXX. According to XXXX the collect account was added XX/XX/XXXX. I contacted Goldman Sachs about this and they said there was nothing that could be done until the review was complete and the representative said it should be done by XX/XX/XXXX. Again I said I wanted to payoff and close the account and was told I could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX XXXX  XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( TRANSUNION ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ STAUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( XXXX ).