23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TD Bank has informed me my HELOC account has been frozen with no explanation as to the reason. HELOC was recently paid to XXXX and I requested it remain open. I previously submitted a claim to CFPB as TD Bank would not release my over payment refund to me which has since been resolved. 
I was informed by secure TD Bank Portal chat on XX/XX/XXXX that my credit line is frozen and at {$0.00} and I must visit a Branch to complete documentation. I immediately responded to that message asking for more information and I have received no response. I sent another message on XX/XX/XXXX with no response. I have contacted XXXX XXXX of TD Bank on XXXX, XXXX, & XXXX with no response. I have contacted XXXX XXXX of TD Bank of XXXX with no response. I have called TD Bank at XXXX and waited on hold in excess of 60min with no assistance. I have emailed the Manager of my local TD Bank branch on XXXX with no response. 
I am paying a yearly service fee to keep my HELOC open and the funds available for use. My HELOC is in good standing and all payments have been made and paid to XXXX. I do not see any contractual reason why this account has been frozen or why I must visit a branch for further documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

As stated in 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. I, at no time gave anyone written permission to place anything on my credit report. Also if you look at the company website it states the following ... XXXX XXXX XXXX. On the FAQ section it states also... 

Will XXXX, XXXX remove the account from my credit reports after it has been resolved? 

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.
Product: Debt collection

ONLINE INFORMATION SERVICES XXXX Needs to be removed immediately. Im unaware and I do not recognize this.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment : Former : XXXX XXXX XXXX  Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.
Product: Debt collection

Americollect has reported a medical debt to all 3 credit beareus as a " other '' loan for a sum of {$140.00} without contacting me in any way. This bill has already been paid to the XXXX  for an XXXX  visit back in XXXX XXXX XXXX  but they are showing that the account is still open. When I contacted them by the number on my transunion report they told me the ONLY way they would close the account is by granting them electronic access to my bank account.
Product: Bank account or service

Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number : XXXX, XXXX Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. 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 or other personal consumer reports

Due to the mishandling of personal data held in both XXXX and Equifax databases I request that all negative information be purged from my credit report. I was not notified that the break happened nor did they do anything about protecting my personal information. The information on all XXXX bureaus is not accurate. Neither company contacted me about what happened nor offered any kind of monitoring or compensation for the breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchase an item from XXXX XXXX XXXX, they sent me the wrong item, i sent it back. when XXXX XXXX received the return i called them and told them not to send my refund back to my card, they sent the refund back to the card anyway. I inform the company that i closed my account with my bank. The company inform me that the deposit of XXXX was put back on my card. I call the bank and inform them that XXXX XXXX put the deposit back on my card. The bank told me that once an account is closed the deposit get automatically get sent right back. I called XXXX XXXX and informed them what the bank told me, they told me to give the XXXX thirty days to get to them. I called XXXX XXXX after the 30 days was up. XXXX XXXX informed me that the deposit did not come back. they told me that the deposit of XXXX was put back on my card on XX/XX/XXXX. I called the bank and ask them to give me the date they sent the refund back so i could give it to XXXX XXXX, they told me that they do not give that type of information. I told the bank to call XXXX XXXX with me on the phone and tell them what they told me, so they did. I informed the bank that i want to speak to the supervisor. I explained to the supervisor what happened, she told me that she can see when the deposit came in and mailed out, i ask her could i have a copy of that, she told me that she could not do that.I explain to the supervisor that the deposit was sent while my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a living human being, a natural person, I have filed complaint after complaint to inaccurate account information with company not providing verification of information complete refusal. I have rights under 15 USC 1681 TransUnion is governed by 15 USC 1681 an they have violated my rights numerous times. I demand the accounts listed below be deleted because XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items within 30 days gives reason to delete 15 USC 1681s-2 ( b ) reporting of information after notice of errors-15USC 1681e ( b ) accuracy of report- 15USC 1681n Civil liability for willful non compliance -15USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency. Deleted immediately!
Product: Credit reporting or other personal consumer reports

For the last 2 years I have been fighting a vehicle loan ( regional ACCEPTANCE ) that's been on my report ( XXXX and XXXX ) that isn't mines it is a fraudulent account I have submitted police report ftc report etc over and over and the company ( XXXX and XXXX ) they hit me with invalid ftc report number a ftc representive has even submitted XXXX they never remove it instead just send dispute to company ( regional ACCEPTANCE ) claiming its my debt and then comes back verified I have even reached out to the company stating it was idendity theft still to no avail.
Product: Credit reporting or other personal consumer reports

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently XXXXXXXX ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : Fair Collections and Outsourcing - XXXX XXXX XXXX XXXXXXXX XXXX, Fl. I have never lived in the city of XXXX one day of my life. I provided evidence of my residence for the last 20 yrs. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Product: Debt collection

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of identity theft. The unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX,, Balance : {$980.00} ), XXXX XXXX A ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ), XXXX XXXX XXXX ( Opened XXXX  XXXX, XXXX, Credit limit {$500.00} ), XXXX ( XXXX XXXX XXXX, XXXX, Credit limit {$1500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted credit freeze requests to XXXX XXXX, XXXX, and Equifax on line. Today XX/XX/XXXX I received by US MAIL my proof of request for a credit freeze from XXXX XXXX and XXXX including my personal identification number and or pin and well as contact number for modification of the freeze. I checked our band and the state fees were deducted from our account from XXXX XXXX and XXXX 

The complaint I have is with Equifax. I placed all these requests the same day. The online Equifax web site took our credit card information to charge our account for the appropriate state fee. The site stated it would display a one time PDF for viewing and Printing. I wrote the number and confirmation number down but WE DO NOT OWN A PRINTER!! I have been checking our bank daily since placing the freeze request with Equifax but nothing has been debited from our account. I have NO PROOF THEY FOLLOWED THRU WITH MY REQUEST FOR A CREDIT FREEZE. I DO NOT OWN A PRINTER AND COULD NOT PRINT THE PDF. I have tried multiple times to reach Equifax by phone to verify they did their job in protecting me by applying my request for a credit freeze on my behalf but to no avail. I have tried to reach Equifax online to explain their error in assuming everyone can print the PDF but I can find no location on their web site to notify them of such. PERSONS WITHOUT A PRINTER ARE BEING PLACED AT RISK as EQUIFAX is NOT providing proof of their placing credit freezes on those who requested them. EQUIFAX IS DISCRIMINATING THOSE WHO CAN NOT AFFORD A PRINTER
Product: Money transfer, virtual currency, or money service

I had transferred XXXX dollar to my XXXX account it's said successful but i haven't received yet.
Product: Debt collection

AFNI {$200.00} DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Recently received a copy of my credit report and noticed unauthorized accounts, wrong information, and serval inaccuracies reporting to my credit report. These remarks have made my life extremely hard and challenging. My credit health has taken a major fall.
Product: Debt collection

Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.
Product: Debt collection

Certified mail was received on XX/XX/2021 by Merchants and Professional Collection Bureau , Inc. requesting validation of debt. On behalf of XXXX XXXX of XXXX XXXX they responded with medical records, a DIRECT violation of HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account from XXXX XXXX on my credit report account number XXXX7 & XXXX XXXX XXXXXXXX account number XXXX. I notified them and filled out the report letting them know these are a result of identity theft it was blocked from my credit report then place back on from the company and Experian refuses to dispute or block this information they are saying they receive documents from the company I ask for the documents they will not provide it to me And one representative told me they have not received any documentation they are just taking them word of mouth theres no documentation because I was in jail at the time these accounts were open so Im filing a complaint because I need the fair credit reporting act youre only supposed to report 100 % accurate information this is identity theft So the information is not accurate .they told me since It was already disputed they cant dispute it anymore and thats a violation of the fair credit reporting act because if an account is fraud youre supposed to investigate re-investigate or if I have the documentation you are supposed to block this account from my credit report I am requesting these accounts be blocked from my credit report pursuant to section 605B 15 US C 1681C-2 Of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I've been a victim of several data breaches and as a result of investigation, I discovered that my personal information was found on the darkweb and being sold. This information includes my name, social security number, DOB, drivers license information and address and email information. I've discovered multiple inquiries from companies I have no business with. I have also seen multiple collection accounts from banks and companies I've never done business with. I've asked to prove it was me and they have not responded. Only telling me that it is verified as accurate but with no proof or source to provide to me, It's not fair. I deserve to live a nice life and this problem is preventing that. I trusted these companies with my personal data and its ' not fair that I have to deal with all of this for something that's completely not my fault.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit bureau that gives us consumers issues with removing inaccurate information. Ive been dealing with this for several months now. Experian keeps reporting inaccurate addresses and stating the address is associated with an open account, I have NO open accounts and all my creditors have my current address. Ive sent in several request stating to PLEASE REMOVE ALL THE OTHER ADDRESS OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE UNITED STATES POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.