23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a residential rental property company and deal with all the major mortgage companies including Bank of America, which I have a least 10 loans. The homeowners ' insurance for 3 of the Bank of America loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. Bank of America requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. Bank of America continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website Bank of America provided and received confirmation emails of receipt. Bank of America placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. Bank of America has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Product: Credit card or prepaid card

On XX/XX/2022 {$820.00} was deducted from my account. I was told that I paid my monthly bill which I never was aware of.. I've emailed and called the bank from approximately XX/XX/XXXX until XX/XX/XXXX or XXXX. They've told me to cut off the money my pay feature and still they said that can't give me the money back. First they told me they give me back {$300.00}, than all of it and that they've mailed the check, to none of it back. This all on a recorded line of them mentioning these things to me.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion failed to remove these inquiries There are inquiries on my accounts that I never received goods from and I didn't authorize these accounts to report to my credit profile. 
The inquiries are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As for these accounts are damaging my credit worthiness
Product: Debt collection

I received a call from a supposed law firm claiming I had a lawsuit against me for owing over {$4000.00} to Bank of America for overdraft fees from XXXX. I never had a Bank of America account to my knowledge except perhaps when I was a teenager and that was in the XXXX. I've only had a XXXX account since XXXX and no other accounts. They gave me a case number : XXXX. When I called the number back they would not mention the name of the law firm and kept talking about the binding power of a " signature card '' - which I'm pretty sure hasn't been a thing for a really long time since everything went digital. The woman on the phone kept trying to scare me with court and claimed they sent me a notification 40 days ago by mail, which I never received. I have checked all of my credit reports and I have XXXX collections or anything open in public records. The first person that left a message said her name was XXXX XXXX ( how generic ) and her phone number is XXXX and the number she gave me for the " law firm '' is XXXX. When I told the lady ( who somehow knew my name by me just saying Someone called me about a lawsuit? Immediately fishy ) to fine just take me to court because I am not paying that, she hung up on me.
Product: Money transfer, virtual currency, or money service

Account was frozen and couldn't access money. Customer service said to have money transferred to other account in order to have access to my money. I created another account to transfer money into per customer service. Transfer was completed by then account was frozen just like the first acct. Now both accounts frozen. 
Provided all information requested several times to resolve the issue. Was told 7-5 buisness days inwould here from specialist to resolve the freeze. I have not received follow up and my money is frozen i. The second acct. This is all the loney I have. 
First account is now $ XXXX and acct frozen. I can not pay as long as my money is f oz n in the second account and explained this time and time again. The acct was supposed to be.unfrozen to allow me to transfer money from the second acct nack to the first acct which will cover the $ XXXX and unfreeze that account for my use. Once transfer completed they would then clise the second acct. I did everything they asked from me so that the specialist could work with me on correcting the accts and close my ticket. No one is following up, nothing has been fixed and they are holding my money.since XX/XX/22 and nothing I could do to get access. They kept me.on hold for XXXX hours, XXXX hours 3 times and hung up each time. Supervisor and specialist hung up phone calls once. This is unethical buisness practice. Inadvised verbal and written that this is very urgent as i can not make ut day to day withall thw money i have frozen in the acct. This has cause so many issues and stress that now im reaching out for someone to help me communicate with them and get this resolved because i do t onow what more to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion, XXXX and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on transunion and XXXX for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong letters and contacted both Equifax credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX XXXX 2017 to XXXX XXXX 2017 My name is is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Mortgage

I have a loan with PHH MORT SVC. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts and inquiries on my credit report that were fraudulently created due to a recent data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items permanently removed from my report. 
Accounts to Be Blocked and Deleted : XXXX XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$37.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$61.00} XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiry to Be Blocked and Deleted : XXXX XXXX o Date of Inquiry : XX/XX/XXXXXXXX XXXX
Product: Debt collection

I deny the debt even if the debt can be validated I dont acknowledge it or have written contract
Product: Credit reporting or other personal consumer reports

I am having trouble recognizing an account, please provide me with any account documents that shows the alleged debt belongs to me. Account Number # XXXX
Product: Student loan

I did chat with Aiadvantage about my refund. While they gave me information ablut the refund, When I received the refund check, the amount of the refund was different than what they told me so I contacted Aiadvantage again and the information they gave me about my refund was different than the first information I received
Product: Debt collection

XXXX  AND XXXX.3RD PARTY COLLECTION HAS NOT VALIDATED DEBT .FALSELY REPORTING, DESTROYED MY CREDIT BY XXXXI DO NOT OWE XXXX..TRANSFERRED CONTRACT XXXX AGO TO XXXX XXXX XXXX XXXX XXXX RE- AGED DEBT NOT OWED. IT IS BECOMING A NUISANCE. REMOVE FROM MY CREDIT FILES PLEASE.. ON XXXX AND XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

The company refused to removed from the dates The claim they cant provide any thing they have received from any one they received.The are committed fraud as per the fcra.
Product: Credit reporting

Experian has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.
Product: Debt collection

Wells Fargo bank was authorized to take money out of my account on XX/XX/XXXX. Instead they took it out on XX/XX/XXXX. Now they have me incurred {$200.00} in fees because there deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Victoria 's secret is reporting me late on XX/XX/20 & XX/XX/20. Due to the unanticipated circumstance surround the pandemic Covid 19 I have been really struggling. My employer has cut my hours since the beginning of they year and I have been severely financially impacted. I have had accounts with you and been a very loyal customer and ask as a one time courtesy for you to remove these lates from my credit file. Under the CARE act you're not even supposed to file negative notations on credit during the pandemic to begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my original complaint XX/XX/2023, today is XX/XX/2023 30 days have pasted. Today makes 32 days and no my dispute was not recorded nor did it show the status of my dispute, on their website i didn't even show that i put in a dispute on the date of the XX/XX/XXXX. Both are violations and that broke the law!! 
Transunion Complaint XXXX XXXXXXXX XXXX Complaint XXXX XXXX According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act, XXXX XXXX XXXX  XXXX, bestbuy, XXXX, and XXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a 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, credit repair services, or other personal consumer reports

I was sent a dispute letter stating that 2 collections on XX/XX/2021 were deleted from my account due to dispute investigation. Called XX/XX/2021 because the dispute still shows active spoke with equifax they stated they deleted it and the company put it back on XX/XX/2021. This collection was never removed from my account but I have the letter from equifax that states its to be deleted.
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Navy Federal CR Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Form 1099-C Dear Navy Federal CR Union , I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX  XXXX XXXX XXXX   with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Product: Debt collection

Revco Solutions Reference # XXXX Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of {$910.00}. I ignored the debt collection attempts until XXXX of XXXX. I figured it was a mistake, but it never self corrected. 

XX/XX/XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. 

XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. 

XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. By providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. I requested they remove the debt from my credit report at the earliest possible date. 

XXXX XXXX No response has received from Revco Solution . I filed disputes with two of the credit reporting agencies with no resolution. A review of my credit report shows the debt remains on my credit report. 

Summary - I have not owned a car since XXXX and have been using ride sharing services for my transportation needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian.

1. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit card

After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is " ******************* ''. Any explanation would be greatly appreacheaded. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX
Product: Money transfer, virtual currency, or money service

Hi, My client sent payment to my account on XX/XX/XXXX via XXXX. It says there will be 1-2 days delay. I've waited but 2 days has passed. Wgen my sender checked the transfer, it shows that the money will be on my account on XX/XX/XXXX. XX/XX/XXXX has also passed and it's still not credited to my account. I started to reach out to XXXX. But their customer service is so slow! And the only response I am receiving from them are generic and they are keep on telling me that they are not disclosing any transfer details to the recipient. That I need to ask my sender directly. My sender reached out to XXXX, but he has not gotten any clear response and updates from XXXX. They already take the money to my client 's account. They just keep on telling people to wait but has no reason why we need to wait for our money. They are saying that they need to do additional checks. We are asking for what and they can not even explain it to us. Additional check from XX/XX/XXXX?? That's too long. They didn't even send updates to inform the customer what's happening to our money! When my sender checked the status of the transfer on XX/XX/XXXX ( the date which XXXX promises that my money will be here ), it shows that they removed the date. Now, me and my sender have no idea where the money is and when will it be credited to my account. They are making fool of people! I have all the screenshots for proof. 

Look at their XXXX page, many people are complainig. There are some that have been waiting from almost a month and haven't received their money. That's horrible! 

I, myself, has a family and kids to feed! I have bills to pay that are already over due and have to pay for penalties for late payments. The amount I am expecting is around XXXX and my husband is expecting to receive around XXXX. Both of our salaries are being held by XXXX! Very disappointing! 

I hope you'll do something about this ASAP. My kids are starting to starve! And WISE DID NOT TAKE THIS MATTER SERIOUSLY! 

Looking forward to your prompt response. Thank you!