23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I PURCHASED A RECHARGEABLE BATTERY FOR A RECLINER SOFA AT XXXX XXXX XXXX ON XX/XX/XXXX. IT DOESN'T WORK PROPERLY ( LOSES CHARGE QUICKLY ) I TALKED TO THE PERSON WHO SOLD IT TO ME AND HE TOLD ME THAT THE PROBLEM WOULD BE SOLVED. AND AS OF TODAY, XX/XX/XXXX, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM. I DO NOT WANT A REPLACEMENT. I JUST WANT MY MONEY TO BE REFUNDED. 
Purchase Date : XX/XX/XXXX Sales order : XXXX Customer ID XXXX Store Phone Number : XXXX Sales Person : XXXX XXXX XXXX
Product: Debt collection

snerprise consultants listed a XXXX bill on my credit report. I dont know what it is
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have repeatedly ignored my identity theft report that I have submitted in regard to acct ( XXXX ). Although, XXXX XXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX  XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms 3949 and 211 treasury omb to audit consumers ' accounts. 

TransUnion, XXXX, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, TransUnion, XXXX, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. 

Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I've noticed this problem on my credit report in XXXX XXXX.I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

sent all FTC guideline documents. to prove the violation
Product: Credit reporting

To Whom It May Concern : I have requested that you remove the fraud alert from my account. Please remove all freezes as well. Contact me if you have any trouble doing so. XXXX. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, FL XXXX XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX REPORTED SSN/ID : XXXX Drivers License : XXXX STATE : TX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$220.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX XX/XX/XXXX Bank of America, The above entry where SUSPECTED FRAUD ACTIVITY . is being reported by you ( BANK OF AMERICA ) to reporting agencies since XX/XX/XXXX which is not only inaccurate but false. 

A simple overdraft does not constitute fraud. Moreover, any fraudulent act must also demonstrate intent. This is why that BANK OF AMERICA must produce any and all documentation that would warrant suspected fraud. Suspected fraud without documentation is not fraud at all thus BANK OF AMERICAs intent is to cause harm to me the consumer in this case. When did BANK OF AMERICA notify me, the consumer, of this adverse information as required under FCRA. 

Since EARLY WARNING SYSTEM has repeated the inaccurate information, this has caused additional harm to me, the consumer. 

This false information has caused me financial and mental harm since you ( BANK OF AMERICA ) has refused to correct or delete this false information. I am unable to open another checking account due to the SUSPECTED FRAUD ACTIVITY that BANK OF AMERICA has noted on this closed account without any documentation demonstrating fraudulent activity. I demand that BANK OF AMERICA forward valid documentation of fraud or delete the account as required under FCRA. 

I am demanding that you ( BANK OF AMERICA ) provided accurate documentation of fraud activity to me with regards to this issue or delete this information and halt reporting this inaccurate information to the reporting agencies, XXXX XXXX XXXX & XXXXXXXX XXXX, with in thirty days of receipt of this letter. 

Failure to do so as required under FCRA, I will seek {$1500.00} per day from the time you ( BANK OF AMERICA ) began reporting this false and inaccurate information, XX/XX/XXXX, until it is deleted. 

BANK OF AMERICA, provided me with accurate documentation or delete the erroneous information and send me a copy. 


XXXX XXXX Cc : State Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding errors on my credit report but Experian refuses to let me view my dispute results without paying their {$29.00} fee. I was under the impression it is free to create/initiate/resolve disputes on credit reports. I ordered a free credit report via XXXX.
Product: Debt collection

Noticed collection on XXXX credit bureaus from XXXX XXXX for XXXX. 
I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus
Product: Credit reporting or other personal consumer reports

THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY XXXX. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXXXXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card or prepaid card

Suntrust bank in XXXX Md said I had a credit of {$5000.00} ask where to send i said put in checking, ask do I have to pay this money back she laughed and said no said in 4 days money should be in my account. Have spent about {$900.00}, put {$2000.00} in savings. Last XXXX XX/XX/XXXX person from Presidents office called said all money in my checking and saving they will take, I told her I would as a senior who receive social security and pension be devastated if they took all my money she said today XX/XX/XXXX she will call, spioke to a supervisor who said money will be taken today they have the right
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent over 2 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.
Product: Checking or savings account

Over XXXX Of My ( XXXX XXXX ) Navy Federal Credit Union Banking Transactions ( Business & Personal ) Has Been Reported To A XXXX Party Non-Affiliated. According To Navy Federal Credit Union 's Their On-Line Privacy They Will Protect Their Customer 's Privacy ( Transactions ) Unless Suspected Fraud Or Subpoena. Information Pursuant to 16 CFR 313 and Breach of Privacy Policy Commitments. Pursuant to 16 CFR 313, which implements the privacy provisions of the Gramm-Leach-Bliley Act ( hereinafter " GLBA '' ), financial institutions such as Navy Federal are strictly prohibited from disclosing nonpublic personal information ( " NPI '' ) to nonaffiliated third parties without providing prior notice and an opportunity for the consumer to opt-out, except in limited and clearly defined circumstances.
Product: Credit reporting or other personal consumer reports

I am attaching my FTC identity theft report, the following accounts need to be removed from my TransUnion credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( This account is the XXXX  account listed on the XXXX report ). I would also like for the inquiries that are listed on this FTC report to be removed from all three bureaus, XXXX, XXXX, and TransUnion as I didnt authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A change on my credit report came in under NCA ... Origional creditor was XXXX XXXX and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.
Product: Debt collection

I unfortunately had an unpaid vet bill unbeknownst to me, which lead to this creditor receiving the account and making contact about debt and agreement of payment in full and non-furnishing of account on any credit reporting agencies or accounts going forward with payment of unaware past due accounts stated.
Product: Credit card or prepaid card

Company closed credit card accounts ending in XXXX and XXXX while I am aware all companies reserve the right to make the best decision for their business these were closed as a result of returned payments that stemmed from my personal bank account having been compromised stemming from lost wallet and checkbook. 

The creditor was furnished with a police report and bank memo. Multiple reps including one from executive relations stated the account was being reopened allow 30 days. 

I have since inquired 21 times only today XXXX XX/XX/2020 did they follow up with me. They stated the account was in a fraud status as a result of returned payments that had zero to do with them and while they acknowledge miscommunications by former staff they wont reopen but theyll remove it out of the status. 

Im on hold for 16 minutes, Im hung up on they call back and then tell me no they wont remove the block again despite just having told me otherwise 16 minutes prior. The disconnect in service is absurd. Apparently I am now blacklisted for life for something that had zero to do with me. Important to note I still continue to make payments monthly with zero issues and pay with debit card not ach zero issues.

I was told repeatedly that this would be reopened they even stated 2 weeks ago at the very least it appears at minimum one of the 2 could be reopened again neither happened. Again this has zero to do with me I have paid like clockwork since even with the account closed I did not charge it off or just stop lying like you stopped extending credit If this block is not removed and Im not able to either use these accounts again or open new accounts I will continue to exhaust every remedy available and ensure I use every platform to share my negative experiences
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed Experian and XXXX credit bureaus about investigating and removing unfamiliar accounts on my credit file. The letter sent requested a response within 30 days. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.
Product: Debt collection

Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.
Product: Checking or savings account

I opened a BMO Alto account on XX/XX/year>, to take advantage of their high interest rate. My plan was to put 11 months of mortgage payments into this account, and then transfer one month at a time into the bank account from which my mortgage is automatically withdrawn. 

I funded my BMO Alto account on or around XX/XX/XXXX with two deposits totaling $ XXXX. On XX/XX/XXXX, I requested a $ XXXX transfer to XXXX XXXX. This request resulted in my account being frozen due to suspicion of fraud. BMO requested a photo ID, and an un-redacted monthly statement from the funding bank, which I provided. I called the fraud department multiple times trying to get a status on the investigation, and of course offered to provide as much clarity as they needed. The fraud department phone reps were unhelpful, uninterested, and in some cases uninformed about their own company policy and procedures. 

After six weeks, BMO Alto finally closed my account on XX/XX/XXXX. I called their customer service number, and was told it would take 2-3 days to return my money to the funding bank. Ten days later nothing had been transferred. When I called the BMO Alto customer service back, they connected me to the fraud department, and I was told this time that there is no timeline on which the money will be returned. They could not even give me a range of dates. It is now XX/XX/XXXX, almost a month after my account was closed and I have no communication from BMO Alto as to the status, and I don'e have access to critical mortgage funding. The BMO Alto organization does not care about its consumers.
Product: Payday loan

Just received a call saying I owe {$1300.00} from XXXX debt collection from 10 yrs ago. I never applied for one and have n't heard about this until today. They do n't have any paperwork to show proof so I need to file this complaint. Their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report that I believe to be inaccurate. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct/update this inaccurate information on my credit report The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Please correct/update this inaccurate information on my credit report The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done two disputes to transunion and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for transunion were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my XXXX  account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!
Product: Credit reporting or other personal consumer reports

i have been aXX/XX/XXXX these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> ODE XX/XX/year> XX/XX/XXXX XX/XX/XXXX XX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all my personal info
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XX/XX/XXXXXXXX Important dates Inquiry date XX/XX/2023 XX/XX/XXXX Important dates Inquiry date XX/XX/XX/XX/XXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts.

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Checking or savings account

I called about an unauthorized charge. I was told that they had to cancel my card which I was not happy about and did not want to happen. Ive been called back to acquire my new card information because they told me they would provide me that over the phone but I was with a patient had to get off the phone and called them back. When I called them back Ive identified myself by jumping through their mini hoops they provided me my card number and my expiration date and then hung up on me. I called back because they had hung up on me and had not provided me with a three digit security code and I was then told I would not be getting it and I would need to wait 10 days for my car to arrive because I was being either forced to set up a digital wallet. That is not my financial choice, I do not want to digital wallet they need to provide me my data. I essentially was told that I can only have my financial information if I set up a digital valet which is extortion. It is extortion to see you can have your card information issue set up an account with this or that service. This is a conflict of interest and none of their business.