23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer of XXXX for about 3 years. During XXXX, XXXX experienced a data breach in XXXX of 2021. My account was affected by this breach and my personal information was compromised as well as my account. I began receiving charges I had no knowledge of. XXXX said they couldn't provide any information regarding the charges. My bill became outrageous so I switched companies. I keep tract of my identity through XXXX identity monitoring and thats when I was alerted about the data breach. It showed me that my information was compromised as well as another individual 's name being attached to my account and phone number. I do not have any knowledge of who this individual is, nor the addresses my information was used at. I looked up the XXXX address and it doesn't exist. I've disputed the debt multiple times and provided them with the information I received from XXXX and they refuse to drop the debt.
Product: Checking or savings account

Someone opened an account in my name with Bank of America. I sat on hold for 2 hrs waiting to talk to someone to close it. 3 hrs after they did, another checking account got opened in my name AGAIN, also with BoA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX, XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX   TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW.  THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USD 1681. 

The accounts below have violated my rights. 
15 U.S.D. 1681 section 602A. States I have the right to privacy.

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

15 U.S.D. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates report by more than seven years. 

15 U.S.D. 1681s ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Urgent Complaint Regarding Fraudulent Charge and Damaged Credit Report by XXXX To Whom It XXXX Concern : I am writing to formally file a complaint against XXXX for a fraudulent charge of {$XXXX}, which has been wrongfully reported to a collection agency, Radius Global Solutions, and subsequently caused significant damage to my XXXX XXXX. 

On XX/XX/XXXX, I closed my XXXX  account after paying all outstanding bills. At that time, there was no remaining balance on my account. However, XXXX has XXXX claimed that I had an outstanding balance of {$XXXX}, which allegedly accrued late fees and interest, eventually reaching {$XXXX}. 

This {$XXXX} was not an unpaid bill but was set to auto-pay by XXXX staff, and this amount was canceled at the time of account closure. XXXX attempt to claim this as an outstanding balance and add interest and late fees is entirely fraudulent and misleading. 

As a result of this false claim, my XXXX XXXX has dropped by XXXX points, from XXXX to XXXX, seriously affecting my financial standing. 

Please find attached supporting documentation, including proof of payments ( XX/XX/XXXX- XX/XX/XXXX ) and a fraudulent receipt from XXXX, indicating that this charge is unfounded. 

I expect swift resolution of this matter, as T-Mobiles actions have already caused undue stress and financial harm. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number with XXXX : [ XXXX ] Date of Incident : XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

This is my second complaint. I received another bill today for the amount of {$21.00} which included late fee of XXXX and an interest charge for XXXX. The statement also indicates that previous finance charges and late fees were refunded, totaling XXXX. 
The account is closed and nothing further was charged after the {$5.00} on XX/XX/XXXX, however, Comenity failed to process my XXXX bill pay and a second {$5.00} bill payment until XXXX Their failure to process the first payment timely resulted in my overpayment and being continually harassed and charged late fees and interest charges for an amount that was paid timely and that they acknowledged receipt. 

Please end this continue harassment of bills and impact to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Product: Credit card or prepaid card

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file due to this credit card. I tried multiple times closing this card and no action was taken by the company. I first closed the account in XXXX of 2021 which the company refused to process my request and continued to list late payments on my report.
Product: Vehicle loan or lease

This has to do with a money order loan payment that was posted on XX/XX/2018. This payment was for the month of XX/XX/2018. The amount of the money order was for {$860.00}. Ally posted the payment incorrectly as {$960.00} and the money order was reversed. The payment was not returned to the bank, nor was it returned back to us. Ally keeps on calling us and stating we are past due. We can't get an answer from them telling us what happened to the payment after they put the amount incorrectly. They did not mail it back to us, nor does the bank that issued the money order have it. I just got off the phone with them for the 5th time and they can't give me an answer of what happened to the payment! They now have posted a late payment on our credit report. This payment was not 30 days late! I want to know what happened to the money order and when it was pointed out to them that it was their error, why wasn't it fixed.
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 to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX  acc # XXXX, XXXX  acc # XXXX, XXXX XXXX XXXX acc # /ref # 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. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for me.
Product: Checking or savings account

I deposited XXXX into my checking account in XX/XX/year>. However, the funds did not deposit into my account once I checked. I notified the bank and they told me to call Capital Ones XXXX number. I did this and uploaded the proof ( the receipt ) where I attempted to deposit my money. However, Capital One will not put my money into my account. Ive had issues with capital ones atm before and they gave me my money the first time. I am receiving pushback this time and would like my {$5200.00} deposited into my account for good.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency TRANSUNION is in clear violation of the FCRA 623 ( a ) for reporting data on my consumer report that is inaccurate and not in metro 2 compliance. I sent them a notice of their many violations on ( XXXX ) to then get no response or notice of their investigation into this inaccurate data on my report. I sent another notice of their violations on ( XXXX ) and XXXX still refuses to open a dispute, put a notice of dispute in the comments pursuant to FCRA 623 ( A ) or comply with the law. According to 15USC1681 ( e ) it is their obligation as a consumer reporting agency to ensure maximum accuracy reported on my consumer report. The following data is inaccurate and must be removed - company : XXXX XXXX XXXX XXXX - Account Number Listed : XXXX - I dispute this account because the agency failed to furnish a notice of dispute within 30 days pursuant to FCRA 623 ( a ) and they're showing the last payment made was made on ( XX/XX/XXXX ) but in the payment history it shows on time payments were made from ( XX/XX/XXXX ) to ( XXXX ). Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dispute this account because the agency failed to furnished a notice of dispute within 30 days pursuant to FCRA 623 ( A ) and they're showing the last payment made on ( XX/XX/XXXX ) but the payment history shows inconsistent data with late payments from ( XX/XX/XXXX ) through ( XX/XX/XXXX ). I dispute the account XXXX XXXX XXXX XXXX  - Account number listed - XXXX - because the agency did not furnish a notice of dispute within 30 days and they reported my last payment made on ( XX/XX/XXXX ) but in the payment history it shows my last payment made was on ( XX/XX/XXXX ). Company : XXXX XXXXXXXX - account number : XXXX - Agency did not furnish notice of dispute within 30 days and states last payment was made on ( XX/XX/XXXX ) but in the payment history ( XX/XX/XXXX ) - ( XX/XX/XXXX ) is reporting as late with ( XX/XX/XXXX ) being the last on time payment made.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a sterling silver pendant and a t-shirt online from " XXXX ''. I paid in full ( {$190.00} ) via XXXX. On XX/XX/XXXX I inquired about the status of my order. On XX/XX/XXXX I was told orders were in back-log. On XX/XX/XXXX I inquired again, told 6 weeks out, and promised extra " goodies '' for my patience while they catch up on orders. On XX/XX/XXXX I was told 3 months out, again promised extra items for my patience. On XX/XX/XXXX I was told a " rush '' put on my items. On XX/XX/XXXX I was told items were 4 months out due to a problem with their jeweler. On XX/XX/XXXX I requested a refund, I was then told my items were already delivered and they must have been stolen. I requested tracking number to file a report with the USPS - that request was never met. I was then accused of lying and having actually received my package. On XX/XX/XXXX I was told the post office lost my package and items will be resent. On XX/XX/XXXX I filed a claim with Chase Bank ( claim # XXXX ) for  a charge-back in the amount of {$190.00}, my account was credited with that amount while they investigated. About one month later, Chase Bank notified me they would be reversing the {$190.00} credit was being reversed because too much time had passed since the original purchase. On XX/XX/XXXX I tried contacting the seller again, he toldme he was having XXXX and would be out for 10 days. On XX/XX/XXXX I was told he was again waiting on the jewelry vendor and offered much cheaper items that were in stock., which at that point I said I would accept. On XX/XX/XXXX I was told the stock items were sent, I requested tracking info but once again was ignored. On XX/XX/XXXX I requested tracking info again, never received. On XX/XX/XXXX 3rd request for tracking info, never received. On XX/XX/XXXX 4th request for tracking info, told its his wife 's birthday and he was busy. On XX/XX/XXXX I was told items were shipped, no tracking information given. On XX/XX/XXXX I made a 5th request for tracking information which I again never received. In addition to my claim with Chase Bank, I have filed complaints with the Arizona chapter of the XXXX XXXX XXXX ( claim # XXXX ) and the Federal Trade Commission.
Product: Credit card or prepaid card

Purchased tickets ( XXXX XXXX ) on XXXX to XXXXXXXX XXXX XXXXXXXX show- for XXXX gift for kids. Order # # XXXX - paid with my Chase Card Show was scheduled for XX/XX/XXXX XX/XX/XXXX we received a notification from XXXX that entry requirement has changed and all attendees to this event must be vaccinated. 
Since we couldn't accommodate, we have requested a refund from XXXX on XX/XX/XXXX. XXXX representative XXXX XXXX replied that she understands and that our tickets are no longer valid for entry and that refund was to be issued within 30 days. 
After multiple attempts ( calls ) to get the refund processed, XXXX is yet to issue one. 
I have filed an online dispute with my credit card company to dispute the charge ( around XX/XX/XXXX ). There was no contact from Chase, asking to provide any additional details. Chase refused the dispute. 
I called Chase to ask for the reasoning and no actual reason was provided, only that the charge is valid. I told them that they should have contacted me for evidence that refund was supposed to be issued. In response I was told to re-open the dispute, by sending a letter to Chase with all the evidence. 
I sent a letter- re-opening the dispute on XX/XX/XXXX and provided the evidence if XXXX own admission that refund should had been processed within 30 day of my initial request. 
I just received a letter from Chase informing me that the dispute was closed and the charge is valid and Im responsible for the charges and all associated interest. 
XXXX is not responding to calls, Chase is ignoring the evidence and not basically finding in favor of XXXX. Im lost and need help to get this resolved. 
Please please please help to get the refund. It's bad enough that I had disappointed kids on XXXX, not getting the gift they wanted, now I'm out of over {$800.00} and no way to recover the money.
Product: Money transfer, virtual currency, or money service

I cashapped a person XXXX and the person ended up deleting all forms of contact and not delivering a product. I have proof of contact and records of payment.
Product: Checking or savings account

On XX/XX/2024 I opened a business checking bank account for my business with BMO Bank. On XX/XX/2024 I deposited {$100.00} into the BMO Bank account by ACH transfer from another bank I have a business checking account with. BMO Bank did receive the deposit transfer the next business day and credited my business account the {$100.00}. On XX/XX/2024 I received an email from BMO Bank that my business account has been temporarily suspended. I called BMO Bank that day and spoke with customer service. The customer service rep could not give me an answer as to why the account was suspended. That rep then transferred me to another agent with BMO. This agent said she was in the fraud department. The rep asked me some questions and then told me that BMO had decided to close my account. I asked the rep why they were closing my account. She told me she could not tell me why, it was just an internal decision. I asked about my funds ( {$100.00} ) that were in the BMO account. She told me that a cashier 's check for the funds would be mailed to me. 
Over one month later I had not received the cashier 's check I called BMO. I was told they would look into it and call me back. After two weeks no one called me back I called again. I was told again someone would look into the missing cashier 's check and call me back. Again, nobody called me back. I called one more time around XXXX and was told they would contact the head of business accounts at BMO and he would call me about the missing cashier 's check. Still, nobody has ever contacted me back from BMO Bank and I have not received the cashier 's check for the funds that were in my account.
Product: Debt collection

Frontline Assets Strategies LLC and XXXX XXXX are demanding a Police Report for their mistake in issuing credit to someone pretending to be me. 

This is a waste of the Police time and my time. XXXX XXXX should be fined for this abuse of debt collection. 

XXXX XXXX clearly does not know how to verify simple ID checks for potential new clients. They need to improve their systems and training. I think the US Gov't should fine them and turn all money over to local police departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account with XXXX XXXX XXXX XXXX And one more thing according to 15 usc 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knowns or has reasonable cause to believe that the information is inaccurate. As you can see on the first credit report on XX/XX/2024 that I first noticed that they reported inaccurate information with XXXX, XXXX and Equifax and now noted and also attached XX/XX/2024 inaccurate information. 

Check the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter but instead received a second bill.
Product: Credit reporting or other personal consumer reports

Nelnet is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact Nelnet on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that Nelnet reports the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Debt collection

They have failed to give me a chance to dispute the debt nor have they provided validation of debt.
Product: Credit card or prepaid card

Goldman Sachs dispute # XXXX Purchased a cruise in XXXX of XXXX  with XXXX XXXX XXXX over the telephone. 

Upon payment verbally on the telephone with XXXX XXXX I was not made aware that the {$500.00} deposit I paid was non-refundable. 

Only months later did I learn that this cruise was non-refundable. 

I have disputed this issue several times with the credit card ( Goldman Sachs ) asking them to investigate this issue and require XXXX XXXX to provide evidence that I was in fact informed of the non- refundability of this cruise deposit *at *the *time *of *purchase while on the telephone. 

Goldman has repeatedly just closed this case finding for the merchant without every requiring XXXX XXXX to provide such evidence. 

Please assist in ths matter, either require Goldman Sachs to require this evidence from XXXX XXXX or force them to refund my {$500.00} please. 

Thank You
Product: Debt collection

Experian is reporting XXXX XXXX XXXX - as an active collection account - this debt was paid and settled.