23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I notified a merchant XXXX XXXX that I will not be renewing the policy with the insurer carrier. I also XXXX the automatic billing portion listed on the account. On XX/XX/XXXX I received the bill for {$790.00} that is unauthorized charge as the policy has been changed to my account anyway. I contacted XXXX XXXX and the response was that they are going to investigate the matter as they acknowledge receiving the XX/XX/XXXX phone call. 
The same day onXX/XX/XXXX I contacted BMO Harris the card in the intention of disputing the purchase. As result I have dealt with a surely and completely unprofessional agent that made the process very difficult as well as personally insulting me ( addressing me by my first name basis several time ). As result of the " treatment '' I decided to cancel the card. 
It is my impression that despite what I was told the BMO Harris is not going to process the dispute and it also refused to refund the rewards balance {$12.00} I have accrued as their card member by giving thousands of dollars of business tot hem. When I requested to be credited to my account in form of check I was told that it is not " how it is done '' and that the points will be forfeited. 
It is also troubling that the bank doesn't protect its customers from unauthorized purchases such as this with the excuse in this case of being the " recurring '' purchase. The purchase was not authorized to be recurring and the bank failed its responsibility to protect me from unauthorized use of the card. Why the bank feels it doesn't need to contact the cardmember to verify the transaction is beyond me. 
It is truly telling on how the bank treats its customers irrespective of whether they are in good standing or not. 
This is not how anyone should be treated thus I will no longer use their services. I also cancelled my upcoming car rental in XXXX that was made using BMO Harris Card services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i disputed these items to XXXX equifax and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sunrise Debt Collector took me to collections for unknown reason {$180.00} on XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Around XXXX to XXXX of 2022 a fraudulent bank account was opened with Bank Of America and when I discovered the situation and reported it to the FTC and put a freeze on my credit and also the XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX denied my claim of fraud even when I told them I never opened it and never did the deposits into the account. I requested the account be closed and put a flag of fraud in their system so that it wouldnt happen again and they sent me a letter stating my claim of fraud was denied. How can they deny my claim when I distinctly told them that wasnt me doing those transactions and also I made a report with the FTC and reported that I gave them and other banks that had been opened fraudulently. They sent me a letter saying they want all this information but where was this when the account was opened. Why did they let these people who opened the account fraudulently be able to make deposits and open an account without proof of who they were. What happened to signature cards and proof of identity before being able to do such things. I want the account ending in XXXX to be closed and no more opened. XXXX XXXX and XXXX XXXX didnt give me this much problem at all. Bank of America needs to close the account and I am calling the Federal Reserve about them too. Bank of America is aware the account has been reported as fraud but isnt doing anything about it. Why would I send them my IDs and other information when they clearly arent protecting my information or identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I requested my free annual credit report from Equifax through the website XXXX. I received an error message, " We are not able to deliver your free Equifax Annual Credit Report online. '' The error message went on to direct me to request my report by mail, requiring me to send several sensitive documents to them, one of which needs to include my SSN.  The message did not explain why this is necessary. 
I have received this same error from Equifax each of the last 7 years. In XXXX and again in XXXX I did request my report by mail, sending them a paper form and copies of my Social Security card and driver 's license, for which I eventually received my reports. But they appear to have not updated their records, as the error continues to exist. 
After my XXXX online request was denied, I filed a complaint through the site XXXX. I received an automated reply from Equifax requiring me to call their phone tree. I declined to let them waste my time there. 
It's been over ten years since I've moved or made any other changes to my personal information that might confuse a credit reporting agency. XXXX  is able to provide my online report every year, with access to the same information as Equifax.

The unnecessary extra work, cost, and time delay imposed on me every year, as well as the risk of sending my sensitive personal information through the mail, may or may not be a deliberate attempt by Equifax to discourage me from requesting my report from them, but it sure does work that way.
Product: Debt collection

I learned today through Advertising Attorneys that I was sued by Crown Asset Management LLC for a debt that I am not aware of. I never heard of Crown Asset Management LLC until today.

Crown Asst Management LLC filed a lawsuit against me without ever attemting to contact me to inform me or validate the debt by mail or otherwise in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old apartment complex tried to charge me for {$3000.00} worth of tile carpet and paint when I moved out. I sought legal counsel on the charges and requested proof from the collection agency and apartment complex neither could provide and I was told the case wasnt moving forward due to lack of information and that they quit reporting to my credit in XXXX. I disputed twice with XXXX and it still comes back as accurate. I asked for some kind of documentation from the collection agency and they refuse to provide me with anything.
Product: Credit reporting

When I went to court they told me that since i wasnt on lease I could n't answer the would n't add me to judgment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Barclay 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated effortssubmitting disputes , providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit card

I recently had an issue with my AMEX platinum credit card when trying to pay the bill. I normally pay the bill manually once a month when the bill gets high and then autopay the rest at then end when the statement is due. I tried paying an amount of XXXX $ a day before the autopay was scheduled to pay the statement balance ( XXXX $ ). I did not know the autopay was scheduled to pay it that next day. I payed the XXXX manually and it said confirmed your payment was received and in the app my balance went down by XXXX XXXX The next day for some reason is still auto paid the full XXXX even though I had already paid XXXX the day before. I would think it would only be paying the difference which would have been a little over XXXX XXXX The problem was that when the XXXX and XXXX came out it brought the bank account balance too low to do all of my payroll checks so when I did my payroll checks everyone of them was charged a NSF fee. I immediately called American Express as soon as I saw the amount that was taken out and they said they couldnt return it to the bank account without the routing and account number ( which I didnt have at that moment ) and to call back the next morning when I had it. Which I did and they said the money would be returned. I finally see it being returned to the bank account after 2 days but Im still left with the NSF fee that arent cheap because American Expresss autopay system messed up. ( Bank isnt willing to take off the NSF charges )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX  XXXX {$120000.00} XXXX   XXXX {$120000.00}
Product: Credit reporting or other personal consumer reports

Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with XXXX, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with XXXX due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of XXXX. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I requested all sub-reporting agencies freeze my information as I am a victim of Identity theft. They have not done so, I sent all required documentation, proof of address, Drivers license, FTC report, etc.
Product: Vehicle loan or lease

I am writing about my account with BMW Account # XXXX this account was always on autopay. When the lease was extended for some reason the autopay was stopped yet as soon as I was made aware of this I quickly got the account caught up. 

I am also requesting copies of my contract I signed when taking out this lease.
Product: Credit reporting or other personal consumer reports

This is an account that was paid AS AGREED on time. I was never late. Billing error And I reached out to the institution to disputed. Please update all billing because this is a violation of the FCRA violation, please update to 100 % paid on time! This is substantially, giving me fear and extending my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 open cases with Citibank Fraud Department that is not being handled professionally by Citi. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX XXXX # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to Citibank who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX XXXX however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The cash app id that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact Citibank and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by Citi. Please note I am a victim of identity theft and Citi is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX Citi XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX XXXX  Dept Complaint # XXXX -- -- -- -- -- XXXX XXXX Your Confirmation Reference Number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. Trans Union and XXXX  seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.