23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bank with Fifth Third Bank. 
On XX/XX/XXXX my account was suspended for a fraudulent check that was deposited into my account. I was not aware the check was fraudulent until this occurred. I called the fraud department and made a complaint. I was informed that my account was going to be suspended for XXXX  days. I removed my bank direct deposit information from my XXXX account immediately. XX/XX/XXXX I received a paper check from my job. XX/XX/XXXX I called the fraud dept to get an update regarding my account and was told that my account was setup to be closed. They told me I can go to the bank and make a final withdrawal to withdraw the funds in my account and close it. On XX/XX/XXXX, I went to the bank to make my final withdrawal and had them close the account. XX/XX/XXXX I received a notification on my phone from Fifth Third stating my direct deposit hit my account. I was confused because I was under the impression that the account was closed as of Monday. XX/XX/XXXX I went back to the branch to see what was going on. The teller told me that account actually showed to be closed on the XXXX. I spoke with a banker who reopened the account and told me to call the bank the next day and see if the funds were available. I called the bank today only to find out that my account was closed again and that they failed to inform me that I was to make a small deposit to keep it open. I dont understand why I wouldve had to make a deposit on an account that already existed and had a pending check deposited. Im very frustrated with this whole ordeal. 
This has caused a major inconvenience for me and caused a financial burden on me. Ive had bill payments bounce back and behind on payments.
Product: Debt collection

I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service. 

This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop. 

Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again. 

All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.
Product: Credit reporting or other personal consumer reports

I have a XXXX account that was open in XXXX XXXX and I was XXXX at that time I would like for it to be removed. I also have something called, XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was XXXX  at this time. I also will like to dispute PRANCER CAPITAL CORP  XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also XXXX at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX for this too
Product: Credit card or prepaid card

On XX/XX/XXXX, I added the carryon bag fee for {$69.00} for my Frontier airline flight XXXX from XXXX Florida to XXXX Maine. The flight was to leave XXXX but was cancelled. I then had to rebook on another airline. Frontier never refunded my money so I filed a dispute with XXXX XXXX XXXX. At first the gave me the credit, but then readded the fee to my bill claiming that the airline said the charge was valid and are now recharging for the fee. The flight was cancelled so how is this valid. I have spoken to both the airline and the c/c company and no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys 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 XXXXXX/XX/2022 all these are fraud and should be
Product: Credit card or prepaid card

I received a letter from the company confirming if I had changed the address on my credit card. I did not. Someone was apparently using my card. I contacted the bank and they informed me that I had to go to the bench to be verified in person. I learned that the perpetrator called in to their customer service and convinced them that she was me and chandlers the address, e-mail and phone number. Also changed online log in information and proceeded to use my card, which was a XXXX balance for months before this. This all happened in no of XXXX, early XXXX. I went to the branch XX/XX/XXXX and with the help of the branch personal, filed a claim over the phone with the fraud department. Prior to that the bridge person had been in contact with the credit card department Customer Service via chat, and had given them my information so that they could correct it, including phone number address and email. I was told it could take up to two billing cycles to fix. I was also told that they couldnt remove it from my credit report. I waited patiently through two billing cycles, and then had to make another appointment to find out what was going on. Apparently nothing was going on and the information wasnt saved in the system so the account still showed the perpetrators information instead. All I could get was a claim number that would show that I was getting my phone call escalated to a member of management and I would get a call within five business days. This appointment happened Friday, XX/XX/XXXX. I had to make another appointment to find out why I didnt get a phone call and I went in today, XX/XX/XXXX. The branch person got the credit card fraud department on the phone and they told me that the original claim was declined but because the address didnt get change I didnt get the ladder so I had been waiting for nothing the claim number I received play just a number that told me I was getting a phone call from a member of management and they did not start a new claim on me yet, so I have no idea why this wasnt processed in the Beginning. I had gone into the bridge timely in the very beginning when charges were still pending and now this Kriminal has gotten over {$5000.00} of money and merchandise. I have been getting collection calls and my credit report has been affected. I want this resolved immediately and I want my credit restored.
Product: Debt collection

HAP/HUD Department of Community Affairs Fema Voucher 70 % subsidized living and XXXX advocate contacted XXXX XXXX XXXX XXXX XXXX XXXX and I had to prove 3xs rental $ XXXX rent income to qualify and XXXX  qualify for leasing the apartment through ft apartment on XXXX 

XXXX sever was issued XX/XX/2021, of XXXX move out date 11 month lease. 

{$650.00} of move out damages contract was issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ of Again, XXXX XXXX XXXX XXXX Subsidized living lease. 

The State of XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX - XXXX XXXX XXXX XXXXXXXX ) overpaid although move packet issued and severed lease prorate of XXXX against XXXX MO and Security Deposit was issued and agreed by XXXX. 

State overpaid two months rent XXXX & XX/XX/2021 post lease severance and vacate of apartment and when recalled XXXX deduced {$650.00} debt damages from {$2500.00} overpaid by state HAP/HUD portion then issued {$1400.00} debt to me on XXXX through XXXX, California XXXX XXXX XXXX National Credit Systems unlawfully . 

It has been over two years of attempts to make settlement arrangement offer and outreach of phone call and documents submit as disputes to XXXX and i have not been able to remove this false fraud indebtedness from My NLS leaving me to delinquent housing and homelessness eleven months. 

I have the ability to upload the lease, the severance, the payment acknowledgement to XXXX from XXXX, and the correspondence as well as the lease severance corporate sheet as well as the damage contract for {$650.00},, which was paid by the two months overpayment as a deduction on the former XXXX lease.
Product: Vehicle loan or lease

American Credit Acceptance report inaccurate payments and balances. My balance was {$9000.00} in XXXX I have made 3 payments {$510.00} in the months of XXXX, XXXX and XXXX and my balance on my statement says {$8500.00}. it should be a lower balances
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 4 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. 

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
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any
inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX please update all payment, all payment was made on time 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}
Product: Credit card or prepaid card

My Bank of America credit card was stolen from me while I was at the gym on XX/XX/2022. There were two unauthorized charges from XXXX XXXX that day : one of {$1800.00} and one of {$520.00}. The {$1800.00} was denied, while the {$520.00} charge went through. Same store, same day, same time. I did not realize my card was stolen until I got home hours after I came back from the gym, but had already cancelled my card and filed a fraud claim right away as soon as I received a text from Bank of America saying that a charge of {$1800.00} was denied. Initially, I thought my cards information was leaked and stolen that way because I was a customer of a subscription service that had been hacked very recently ( XXXX ), so that what I initially wrote down as suspected reason of fraud. Immediately after I realized my card was stolen from my wallet, I updated my claim, filed a police report with the XXXX XXXX XXXX Police Department, and supplied the report number to Bank of America. Every step of the way, I was also in contact with people from my gym who would be assisting with the investigation. The police detective and I had follow up calls and messages to confirm my story. I was even subtly reassured every step of the way by Bank of America employees that this should be fine, especially considering the other charge did not go through and it was on the same day, at the same store, and around the same time. I even temporarily received a credit on my account for {$520.00} from Bank of America before they took it away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I work for this XXXX, I made calls and was given to debt collector. Very rude and continued to give different people to call for an itemized statement of original bill. I have no knowledge of what this bill is, where it came from, or why I would this debt .... I requested that information on my original dispute. I was not provided that information only what the debt collection bill says EXPERIAN IS THE AGENCY AND I HAVE AN ACCT WITH THEM THAT I PAY FOR ... .. doesnt look like they are trying to truly provide me an investigation.
Product: Credit reporting or other personal consumer reports

XXXX Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from Experian. I have attempted to remedy this issue with XXXX, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to XXXX for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, XXXX continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.
Product: Prepaid card

XX/XX/2024 : Received the {$320.00} Amex Gift Card XX/XX/2024 : Activated the Gift Card by calling the number on the back of the card. I attempted to use the card to reload my XXXX XXXX and was declined. I then attempted to add the card to my XXXX account but it was also declined. 
XX/XX/2024 : I checked the amexgiftcard.com website to see if I could get help with my card and saw the FAQ and I made sure that the card number, expiration, and XXXX digit security code matched the gift card and that I ran the card as credit with my name and address in the billing section as requested. The card was declined again at XXXX, then at XXXX, and at XXXX XXXX  for various amounts under {$50.00} that were much lower than the face value of the card. I attempted to call the number at the back of my card, XXXX, but was unable to talk to a human and instead heard the same information of usage as the website. 
XX/XX/2024 : Searched through the internet to see how others were able to use the Amex Gift Card and saw many people were having the same issues using their Amex Gift Cards even though the AmexGiftCard.com website states : You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and District of Columbia, except the Gift Card may not be used for recurring billing or at ATMs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$41.00} XXXX XXXX  XXXX Balance : {$3800.00} Please consider this complaint as my follow-up to ensure that the listed accounts are verified as soon as feasible
Product: Money transfer, virtual currency, or money service

Tuesday XXXX XXXX XXXX {$460.00} was token out of my account by a chime worker and I talked to the main person and he said there was nothing he could do about me getting it back