23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, a third party delivered an expensive package to the wrong home. Soon after receiving the notification, I reached out to the third party stating that they delivered to the wrong house. I was in an exam at the time and could not get home. The third party never responded, I called them immediately as well and no response. I left a voicemail. After no word from them, I reached out to Best Buy customer service and told them the situation. They said not to worry, a replacement would be issued. I asked if there's anything else I can do to help the situation and they stated no, that someone would be in touch within 24-48 hours to let me know when the replacement is being shipped out. I contacted them again via chat on XX/XX/XXXX, asking on the update and to see if I can pick it up in store instead. They stated that they will just cancel the replacement and I can go get it myself in store. That was fine, I was waiting for the refund and had not heard anything. I reached back out via chat in which they stated they will process the refund, and to keep an eye on email within 3 business days. Nothing ever came, I still see the charge on my credit card. I reached out again and they stated it takes 7-10 business days. Then again, I reached out and it says the same thing. After that, I get an email stating the investigation is complete and they're unable to refund me for an item that was considered " lost ''. They said the third party stated they delivered it, and I told them that the third party delivery service never contacted me and never responded to me. Also that after many attempts with speaking to Best Buy agents, a refund was guaranteed. Everything is in chat transcript but they claim they are not liable to do anything at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.
Product: Mortgage

Itried sen ding them mulltiple application ffor a loan modification but they dont process my application for a loan modiffication, they only want the whole reinstatement amount and I dont have $ XXXX. 

I have a stable business income and PHH dosent want to give me an opprtunity to pay my moragage.
Product: Debt collection

Original balance {$1500.00}. After receiving a settlement offer letter from Portfolio Recovery Associates, I decided to pay the single payment plan of {$1000.00} that was offered in the letter. The letter also stated that once paid, the account would be considered " Settled in Full ''. I sent a cashier 's check for the {$1000.00}, as well as a letter back to them stating that I have paid what they offered. However, they have not made my account as settled in full like they said they would. They only deducted the {$1000.00} from original balance, saying that I still owe {$470.00} on my credit report. I have copies of their letter, my letter, and the cashier 's check. I do n't know what to do.
Product: Credit card or prepaid card

I filed a dispute with Bank of America about a purchase that was made on my card, I gave my card to a vendor to charge for cut and sew services that I requested of him, and when I received the products his work was subpar, it was so bad that I couldn't sell the blankets at all which made me incur a loss of the cost of the fabrics as well. 
I filed a dispute for the charge with BoFA and they requested a second opinion letter from another manufacturer, I got them a second opinion letter, from XXXX of the largest manufacturers in the XXXX for this type of blankets, he's a minority owned business based out of XXXX. 
Please let me take a small detour, and explain you a little about the manufacturer I reached out to for a second opinion : XXXX XXXX XXXX of XXXX XXXX, is an immigrant from XXXX, who came here with nothing, has worked very hard to build up his manufacturing business, so that he can support his family, he tried to hire as many other minorities as he can, so that they can also have work to help support their families, he's by no means rich, yet he works really hard to support his family, and support as many in his community as he can in a dignified manner by giving them jobs. 
BoFA refused to accept his letter, and asked me for another more detailed letter, when I got them the more detailed letter, they again denied my claim and said I never gave them a letter, when I called today to question them about it, an employee by the name of XXXX XXXX # XXXX told me " we can't accept his letter, because it's not on an official letterhead, it's just a typed letterhead '', when I tried explaining her that XXXX XXXX is a small minority owned business who struggles to pay his bills, and therefore can't afford to hire a designer to make him a letterhead, she refused to listen and said sorry too bad. 
I couldn't believe that a corporation like BoFA would discriminate against, and demean a hard working minority business owner " because he can't afford to hire someone to make him " proper stationary '', so I called BoFA back, and spoke to XXXX, Employee # XXXX who again started telling me how it needs to be on a letterhead with his information, address with his company name, which it does, after asking to speak to a supervisor, I received a callback a few hours later from someone called XXXX XXXX # XXXX based out of XXXX, who again started telling me that they don't approve of the letterhead XXXX uses, when I said this is really not okay the way your behaving towards a minority business owner, to disqualify him as a company because h doesn't have the funds or time to create something professional looking like BoFA, check him out, he has a registered company in XXXX, call him, reach out to him, he again refused, when I said I'm going to report this all to the federal government, he first refused to give me his name or employee number, then started threatening me that he's going to document this all ( so that when I call back they will see and know who I am )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Medical Data Systems about my debt and the information they are not supposed to have. They have personal detailed billing of when I was at the hospital. They are not supposed to have all of that information. That is a HIPPA violation. I have filed a dispute with the XXXX  and XXXX. Neither one have resolved my problem. I have proof of what they can see because they sent the information to me. They are only supposed to see basic stuff about me. I will be attaching what they sent me.
Product: Credit reporting

I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
Did I give you written instructions to furnish this items on my credit report? 
XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6800.00}
Product: Checking or savings account

I have maintained some degree of banking relationship with Bank of America for nearly 15 years. Over the course of that relationship this institution has made changes to its policies, procedures, and promotions.

These changes usually do not affect our operation but in the few instances where they have, we'd visit a local banking center and come up with alternative solutions. While these solutions would vary, the common goal was to ensure that the services we received were comparable to what was in place prior to the change. 

Recently, one change has been made for which there is no comparable alternative. Earlier this year we began to see a number of fees appearing on our accounts. The fees we were charged for were " monthly maintenance fees '' and " Overdraft transfer fees ''. When we contacted the bank we were told that these are typical fees that we had always been charged and that nothing had changed. After escalating the issue, we had two different supervisors claim that the only difference was that we were just now noticing the fees.

We were able to convince the last supervisor we had to look through our account to verify that there was no such history of us being charged theses fees. He found that in the months prior we were not charged a maintenance fee. He also found several instances where funds were automatically transferred from one account to the other with no overdraft transfer fee. Although he was able to verify our claim, he stated that there must have been some mistake with the system that was behind the reason we weren't being charged.

We later discovered that the system was issuing the charge but immediatley crediting the account in the same amount. This prompted the supervisor to do a little more research and it was ultimately discovered that there had been a change earlier in the year that removed a " perk '' that kept us from incurring these fees.

The supervisor apologized for all of the calls that we had to make to discover this information and said that our account would be credited for any of the fees that we had not already been issued a courtesy credit on. After completing the credit, we were then advised that we would need to visit a banking center to discuss options on opening different accounts that would afford us the same benefits that we had before this change.

We attempted to follow this instruction but was stymied in the process as we discovered that Bank of America no longer offers any account without fees unless you meet new criteria that was established when they made this change. We've since continued to incur these fees.

I can not force Bank of America to change its policy and understand that it's our responsibility to find a bank that does offer services that line up with how we operate. I don't have a problem doing this but it wouldn't be fair to expect us to complete the transitioning of 11 accounts ( Personal, business, and credit ) to another institution in such a short time span. Sufficient time should be allocated before forcing us to be subjected to a new fee structure.
Product: Credit reporting or other personal consumer reports

I had a card with Navy Federal a few years ago. I went through some unforeseen financial hardship and the card was charged off. I Once I was back on my feet, I made payments to pay it off in full. I wanted to purchase my first home, and this needed to be paid for my mortgage to be approved. I spoke with several people asking for this to be removed from my credit as a pay to delete but they refused. The information that they have listed on my credit report shows " charge off/paid account ''. However, if it was a charge off then they should send me tax information for me to file it as a 1099, which they haven't done. Therefore, it should be removed from my credit report as it seems they are able to use this as a charge off and receive the money, which is egregious. They should not receive the tax beneifts of a deby write off and receive the debt as well. Furthermore, although I have good creidt now, it's still a blemish that sits on my credit where I paid it off in full. The debt ended on XX/XX/2017 and we are now over the 7 years of remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine and wiener just appeared on the consumer credit report with out having a contract or even consent to furnish private source data information, clear violation of permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry.

1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX 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 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  A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 XXXX 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

My information was sold and bought illegally because I was a victim of the XXXX data breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am just going off memory, so my dates might be a little off. In XXXX or XXXX of 2016, I called Bank of America because I noticed a transaction on my account that I didn't authorize. I went through the dispute process and my card was supposed to be closed and a new one would be sent. Again, my CARD was supposed to be closed NOT my account, which was. About a month after I called, I called again because I had not received the new card. I was told the rep mistakenly closed my account instead of just the card. I asked if they could re-open it but was told it was too late. I was dealing with a lot of family health issues at the time and lost track of the bills that were sent and it ended up getting charged-off at over {$400.00}. Since I have been dealing with family issues for the past couple years, I haven't been focused on my credit like I should. I have been trying to rebuild and have made attempts to rectify this. They have reported on my credit report that I requested the account be closed but that is factually incorrect. I talked to Bank of America and was told it was they can't change anything they've reported because they are obligated to report information accurately ( well, they aren't doing that ). They also said that the account has been sold to a Collection 's Agency.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. I provided all three bureaus with payment receipts showing that my policy was paid on time during my contract. 

After speaking to superviors from XXXX and XXXX the account for XXXX XXXX XXXX was removed. However, after speaking to a superviosr from TransUnion who assured me that the account who be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. 

To date, I have not received a reply from TransUnion and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion and have yet to receive a response within a resonable amount of time.
Product: Credit reporting

I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting

This company has no XXXX in the state of XXXX and has no right to report on my credit report.. I called the Texas Department XXXX XXXX and regulations and they further verified that In Texas this company has no XXXX bond to collect in the state of XXXX.
Product: Credit reporting or other personal consumer reports

FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/year> XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this message finds you well! I am contacting you regarding the addition of my personal information into your records system as detailed above. 

Thank you for taking the time to assist me with this request ; I look forward to hearing from you soon! 

Warm regards, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2020 I sent a second dispute letter to XXXX XXXX XXXX and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting and promptly requesting for proof of claim along with investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX This account is reporting on my credit report to all XXXX credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a 1099-c form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.