23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There were identity theft on my TD credit card and my XXXX checking accounts. The charges were from XX/XX/XXXX to XX/XX/XXXX. The fraudster requested {$XXXX0} from my checking amount to make payment to my TD credit account after he/she has XXXX out my credit card which had a credit limit of {$XXXX}. At the time of the fraud my balance on the credit card was {$XXXX}. I made check reversal claim to both bank for the returning of my {$XXXX}. XXXX has return my money and TD has also sent me a check in error of the of {$XXXX.00} and was made it as a purchase charge against my credit card on XX/XX/XXXX. I have contacted the bank several time and I was told that they could do a check reversal and closed out the balance on my account. I received a call from XXXX of the managers at XXXXXXXX XXXX on XX/XX/XXXX. I was also told by this XXXX to destroy the check and shouldn't cash it. The check reversal was not done and the balance was still on my account accruing interest. I made several calls to TD since then I was told me that it was the bank will correct the account. Since they I have accrued interest and my account is there in house collection section. After the fraud I was given a new credit card number but my old credit number is still active and being accruing interest. I received the check and was advised on XX/XX/XXXX by XXXX customer representative to deposit the check which I did but was given a manual receipt Since my credit card limited has decrease from {$XXXX XXXX XXXX
Product: Debt collection

Hello, contacted company to verify debt and never received anything. Called diversified adjustment service and they couldnt help and would not give me any information about anything, this is not mine and I believe this company is not doing everything legal, they call me all hours of the day and call my work even though I sent a cease and desist letter. also never received anything about this debt or that I could ask to verify within 30 days they are also very threatening over the phone... How can they not help me in anyway and verify my debt or give me any information at all. Please help and thanks also I never signed any contract with these people. 

please look into this company they are doing all kinds of illegal things.
Product: Debt collection

No support was provided. If I have a doctor bill then I want to see it, since I have not lived there since  2008. T his in reference to my original complaint  XXXX .
Product: Credit card or prepaid card

Sir/Ma'am, We purchased a XXXX hot tub from Mattress Firm at the XXXX XXXX County Fair on XX/XX/XXXX. It was delivered on XX/XX/XXXX with no plug, the wrong electrical configuration, and the wrong color. We annotated on the delivery slip and by contacting our salesperson. On XX/XX/XXXX XXXX was contacted regarding no plug ( making hot tub non working ) and the wrong color. Our salesperson XXXX offered a {$500.00} discount for the wrong color but later responded she " got an error message '' when trying to add the discount. Not until XX/XX/XXXX did XXXX arrange to have an electrical kit sent to our home. Once we received the kit we arranged to have a technician to come to our home and convert the tub to plug into the 110v standard home outlet as we ordered. On XX/XX/XXXX and XX/XX/XXXX I emailed the Mattress Firm sales representatives XXXX XXXX and XXXX XXXX regarding late and delinquent payments reported to credit bureaus to see if they could help resolve the issue- we did not pay because we did not and still do not have the tub we ordered or the {$500.00} discount offered by XXXX . Neither responded. On XX/XX/XXXX I contacted the XXXX representative XXXX XXXX and CC 'd XXXX, XXXX, and their boss asking if she could contact them or get us a way to contact them. XXXX from XXXX responded she was done with our order ( since hot tub was now funtional ) and that she had contacted Mattress Firm previously about contacting us- they never did despite her claim of asking them to contact us  and address our concerns and my email asking her for help in which I CC 'd all three Mattress Firm representatives. 
I attempted to call Synchrony Financial and was basically told to pay our bill sometime in XXXX or XXXX and today XXXX the agent at XXXX ( sounded XXXX ) stated no supervisor would accept my call unless my account was current! I asked again and again was told no supervisor would accept my call until I paid my delinquent account. I responded that that seemed criminal that the creditor did not want to talk. I have attached/uploaded a summation with supporting documents and the response from the letter I sent to Synchrony Networks.
Product: Credit reporting or other personal consumer reports

Best Buy has failed to report accurate information on my credit report. 
They are reporting a delinquency account & even turned my account into collections. I have automatic payments that are being deducted by this company the pays my balance every single month. The information on my credit report is showing that I missed several payments when in fact payments are still being made til this day. I have proof with my bank statements. 


I sent Best Buy/CBNA a letter : ACCOUNT # XXXX COULD YOU PLEASE PROVIDE WRITTEN INFORMATION REQUESTED : Date of last payment Date of first delinquency Date o charge o They never responded back and failed to make necessary updates. 
This is giving me hardship in life in obtaining necessities involving with my consumer credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

Equifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the WHOLE year of 2021 I have been in contact with Experian to advise them that the bankruptcies reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -XXXX XXXX XXXX XXXX XXXXXXXX Identification XXXX : XXXX -XXXX Partial Acct # : XXXX XXXX XXXX Partial Acct # XXXX -XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX, # XXXX 15 U.S. Code 1681 section 602 A states that XXXX have a right to privacy 15 U.S. Code 1681 section 604 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

I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all 3 credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>Equifax : XXXX XXXXXX/XX/XXXX XXXX /XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.
Product: Bank account or service

I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this account with wells fargo and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Product: Checking or savings account

JP Morgan Chase Bank- An individual or group of individuals have accessed sensitive information and are now calling in to document fake reports on my name and have blocked me out of my checking account. Its a collective group of individuals doing a mass fraud scheme and have simply targeted me for whatever hateful and spiteful reasons ...
Product: Debt collection

GILA Corp ( XXXX ) XXXX  has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED / XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I disputed this and they havent got any update and its has been longer than 30 days.
Product: Credit card

I have been trying to resolve a matter with Citibank Visa, since XX/XX/XXXX. A refund yo XXXX XXXX XXXX XXXX in the amount of {$980.00}, from Citibank was due in XXXX of XXXX. I was told by Citibank that it was done. XXXX XXXX has not received as of today, XX/XX/XXXX. I had to pay the refund in XXXX of XXXX to XXXX XXXX  I needed to renew my license and couldnt with an outstanding balance. Citibank has given me numerous transaction numbers and XXXX numbers to provide to XXXX XXXX to prove they refunded the money. They have all proved to be bogus numbers. I have spent countless hours on the phone with Citibank in the last 7 months. I have spoke with the recovery team supervisors many times, only told it was being reviewed to find out why XXXX XXXX hasnt received the refund. I have been promised phone calls with updates. No one ever calls. The last supervisor I spoke to on XX/XX/XXXX, told me I would receive an update on XX/XX/XXXX and XX/XX/XXXX. at the latest. I had to call today because no one called me back. She told me she was unexpectedly out of the office. She was sending another email to XXXX, the supervisor team member handling my case. When asked when I would receive an update, she told me XXXX was out of the office and didnt know when she would return. 
Citibank isnt disputing a refund is due. They are saying it was sent and they dont know why XXXX XXXX  hasnt received it. They will not let me speak to review team or give me an email to contact XXXX, investigating my claim. 
So 7 months later, I am still out {$980.00}. I am a good customer of Citibank. Always pay my bill and have excellent credit. I appreciate any help you can provide.
Product: Credit reporting 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 : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION / XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 item 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.