23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a CD with BMO on XX/XX/2023. I received an email confirmation at XXXX on XX/XX/XXXX that my account had been created. I received an additional email at XXXX on XX/XX/XXXX that my opening deposit of {$100000.00} was complete. 

On XX/XX/XXXX, the funds left my XXXX XXXX Bank account. 

On XX/XX/XXXX, I contacted BMO because my account balance was showing {$0.00} with no pending deposits. On this occasion, I was told that they could see the money in the account, and it would post overnight. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO had placed a freeze on my account because of a funding error. They asked me to contact XXXX XXXX to verify the funds. I contacted XXXX XXXX, who insisted that the funds successfully left my account, which was clear through my mobile banking app. I contacted BMO and was told that the hold had been lifted and the account would be funded by the next morning. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO never received the funds because XXXX XXXX ( and or XXXX ) had placed a hold on the funds. I verified this was inaccurate with XXXX XXXX while still on the phone with BMO. XXXX XXXX insisted that I needed to verify my identity. I had a notary public sign a form that verified my identity and uploaded it to BMOs secure portal. They told me that this would release the hold on their end, but that XXXX XXXX was still holding the funds. I received an official form from XXXX XXXX documenting that they had officially transferred the funds on XX/XX/XXXX. I was then placed on hold for over 2 hours while BMO contacted the fraud department. That is the most up to date information. 

This remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and Medicare, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX first ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from Experian. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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.

Delete this at once! XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX {$2000.00} XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

Extremely rude and calling constantly asking me 30 times my name and trying to get info from me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$46000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit card

Rec 'd email statement saying my account was 2 months overdo. This is the first email I ever received from this store - I always pay my bill on time, and never carry a finance charge. Paid my account in full that day. I have been a credit card holder since about XX/XX/XXXX. They have reported me to credit bureaus and basically are saying that I am lying - that they sent the previous statements by email and there is no way that there could have been a mistake. I have checked my entire email account - trash, spam and messages rec 'd and sent. Nowhere is there a record of them sending previous statements for that month - bill was for XX/XX/XXXX ( Amount {$150.00} ) Why is there no consideration for me - as a responsible credit card holder - why is it assumed that I am lying? I have cancelled my credit card with Bloomingdale 's but I would like to protest their unfairness.
Product: Credit reporting 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 Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 th

an 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: Debt collection

I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and XXXX for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$5900.00} Balance Updated : XX/XX/XXXX Credit Limit : {$5000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$1300.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose. XXXX XXXX
Product: Student loan

I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors and companies XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX continue to report information that I have requested to be fully verified. I requested on multiple occasions by mail online and over the phone to have the items they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule XXXX Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS XXXX XXXX XXXX XXXX, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Product: Credit card or prepaid card

Discover raised my APR several times in the last year without notification and without cause. It was originally 12.99 % and is currently at 17.49 %. When I reached out to Discover, I was told that notification is provided in the XXXX XXXX XXXX and that Discover doesnt directly notify the customer of such changes. The conversation took place on their app via chat ; snapshots can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX Open/Closed Account Type Balance Date Opened 2 Credit cards & credit lines Closed Credit Card {$200.00} XX/XX/2021 And i keep trying to get it off and it keep saying verified remains and how is it and its not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXXXXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX. 
XXXX, XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  {$120.00} XXXXXXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my credit report " XX/XX/XXXXXXXX Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
XX/XX/XXXX XXXX '' I assume this means the XX/XX/XXXXXXXX XXXX, with who I don't have a credit account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX XXXX # XXXX has violated my rights. 15u.s.c 1681 section 602 .A states I have the right to privacy. 15 u.s.c 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

There were two problems : 1. XXXX card sent to me in mail. I did not apply for the card. Resolution : Called XXXX XXXX. The card was cancelled. 
2. XXXX XXXX application started in my name. XXXX ( Comenity ) sent me a letter asking me to confirm the opening of the account. Resolution : I called Comenity bank customer service and was forwarded to the account protection line. However, I was on hold a considerable amount of time and hung up. No one answered. There doesn't appear to be a way to resolve the issue through email either. 

I have placed a lock on my credit report, so hopefully, this will keep additional attempts to use my identity to open accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One refuses to let me access my online account, which is the only way to use my cash rewards points. I have called over 5 times to speak with customer service, and they keep telling me they can not verify my identity. They make me submit my proof of identity, then they tell me they can't read it. I've even had customer service reps stay on the line with me while I submit it, verify they received it, verify they can personally read what I submitted, then they send it to their fraud department who says they can't read it and can't verify my identity. This has been going on ever since I took out the account. I always stay on the line with the rep until they promise me it has been resolved, and each time it is never resolved. It is clearly a ruse to prevent as many people as possible from using the promised cash rewards benefits and to jack up payments when you can't find out what you owe for a payment. I am happy to provide documentation regarding my account upon request, and I would like to point out that my information is not under any sort of data lock for prior privacy breaches -they have no reason to withhold my information from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of several accounts on my credit report, as reported by creditors or collection agencies. These inaccuracies are damaging my credit profile, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Furthermore, I urge you to ensure that the reporting complies with METRO 2 standards as set forth by the Consumer Data Industry Association ( CDIA ).

Accounts in Dispute RentDebt Automated Collections Account Number : XXXX XXXX XXXX Issue : Incorrect reporting of charge-off and inaccurate balance of {$730.00}. 
Discrepancy : The Date of First Delinquency ( DOFD ) is not established, potentially causing incorrect reporting duration. 
XXXX  Account Number : [ Insert Account Number ] Issue : The Charge-off was reported incorrectly as {$770.00} without proper substantiation. 
Discrepancy : Inaccurate DOFD and unclear balance calculation, including fees and interest rates. 
XXXX XXXX XXXX Account Number : XXXX Issue : Charge-off reported with a balance of {$11000.00}. 
Discrepancy : The account status and reporting of payments do not comply with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ Insert Account Number ] Issue : Late payments and charge-offs were reported inaccurately. 
Discrepancy : Payment history does not align with the original creditors documentation. 
Specific METRO 2 Concerns Under METRO 2 guidelines, all data furnishers must ensure the accuracy of the following : Base Segment Field 25 ( Date of First Delinquency ) : Accurate DOFD is required to determine the appropriate reporting period.

Field Code 19 ( Payment Rating ) : Must accurately reflect the payment performance at the time of reporting.

Field Code 21 ( Special Comments ) : Must include any clarifications if the account was impacted by extraordinary circumstances, such as disputes or errors.

Compliance Condition Codes ( CCC ) : Ensure proper coding for disputes, charge-offs, and late payments to avoid misleading reporting.