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

I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXX  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: Debt collection

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly contacted the bank. Ive even contacted Experian but Experian still has inaccurate information on my report. XXXX XXXX tells me they cant see back to XXXX and cant remove the late payments. But I can see back to XXXX through my statements. 
Ive told them I have proof of payment via transfer directly to credit card & yet on Experian this XXXX and XXXX days late as of today it has not been removed. 
This is harmful and is becoming seemingly malicious.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX are both reporting this erroneous account for CBE Group -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact CBE and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute certain inaccurate information on my credit report provided by Experian. On XX/XX/XXXXXXXX I contacted Experian regarding the following discrepancies but to date, I have not received a response from them. Please consider the following : I dispute the account listed as XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXXXXXX  Balance : {$1400.00} ) because the original creditor is XXXX XXXX XXXX and not the one you have indicated. The balance of {$1400.00} is inaccurate and higher than the amount I believe I owe. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) because the original creditor is XXXXXXXX XXXX XXXX and not XXXX XXXX. The balance of {$570.00} is higher than the amount I owe, and I do not recognize this amount. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) because I have never had a contract with them. The original creditor was XXXX XXXX. The balance of {$270.00} is higher than the amount I remember. I request that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) was never late. Please update this inaccurate information on my credit report. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit  : {$320.00} ) was never late. Please update this inaccurate information on my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ). Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to XXXX. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to Equifax. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and requested Experian me the name of the courthouse ; the persons name they verified the dispute with ; the address ; the telephone number ; and the documentation used to verify the dispute as it related to the Bankruptcies on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. 

Experian did not provide me and have declined to provide me with that information, instead I was told the information was verified by a third party vendor. No additional information was provided. It's my understanding that credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information.
Product: Mortgage

On XX/XX/2021 I went to my local SunTrust bank to make a mortgage payment and try to get caught up on my forbearance. I made a cash payment in the amount of {$1100.00} to the bank manager XXXX XXXX who gave me a SunTrust receipt. I checked to see if the payment had posted to my mortgage account each day after and it was not received. 

On XX/XX/2021 I called SunTrust Mortgage department with a XXXX  3rd party HUD agent named XXXX XXXX who recorded the conversation. It took 1.5 hrs to get connected to a SunTrust/Truist representative named XXXX XXXX. We asked if the {$1100.00} had been posted to my account and she said no, and that she could not find it. She advised to call back in 3 days. 

I went back to the SunTrust bank where I made the payment on XX/XX/2021 and spoke with the Senior Relationship Banker XXXX XXXX. She filed a formal complaint with the mortgage department and provided me with a copy of the bank tellers receipt as evidence that the payment was received. 

Three days later on XX/XX/2021 the HUD agent I had previously called with, XXXX XXXX, called SunTrust/Truist with me again on a 3 way recorded conversation to find out what had happened to the money. After 45 minutes of transfers and disconnects, we finally were connected with a representative named XXXX. Ms. XXXX the HUD agent spoke on my behalf and questioned her about the missing {$1100.00}, at that point XXXX hung up on us. 

Ms. XXXX the HUD agent said that she would try again on XX/XX/2021. She also advised me to file a complaint with the CFPB and the States attorney for criminal action against SunTrust/Truist Mortgage. 

This is not the first time SunTrust has given me the run around about my mortgage. Since the pandemic started and I applied for a forbearance they have made the entire process almost impossible to understand. I am afraid I will loose my home and have spent countless hours making phone calls to ensure I am doing the right thing every step of the way. Most recently on XX/XX/2021 I called SunTrust and spoke with an agent named XXXX one on one. She assured me that my forbearance had been extended through XX/XX/2021 and that I had plenty of time to file a Mortgage Assistance Application. Then on XX/XX/2021 I received a call from a SunTrust agent named XXXX who claimed the forbearance is " pending '' extension. 

I feel that SunTrust/Truist Mortgage is being very deceptive and are purposely evading important conversations in order to foreclose on my home. I am doing my best to do what is ethical in this situation however, I feel that they are taking advantage of my because of my age of 75 years and my lack of computer experience. They are purposely avoiding phone calls even with a Federal Agent assisting me, and not being clear on what needs to be completed in order to avoid foreclosure on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to deposit two checks totaling almost {$700.00} using Ingo Moneys check cashing service. The checks were approved, and I was charged a fee for immediate deposit, but the funds never arrived in my account. 

Since then, I have contacted Ingo Money multiple times to resolve the issue. I have spoken with several customer service agents, all of whom have acknowledged the problem and assured me that my case was " escalated '' for resolution. However, despite these repeated escalations, my deposit has not been processed, and my money remains inaccessible. 

Ingo Money has refused to refund or return the funds to the check writer, even though the checks were processed and cleared on their end. I was given inconsistent explanationsone agent said there was an issue with my card, another told me the transaction needed further review, and others have simply told me to " wait another 24 hours, '' only for nothing to happen. 

This unjustified delay has caused me financial hardship, including a past-due bills that I could not pay because my funds are being held hostage. I paid for an immediate deposit service, yet Ingo Money has failed to fulfill its obligations. 

I am seeking the immediate release of my {$700.00} deposit or a full refund of my money. If Ingo Money can not process the deposit, they must return the funds to the original check writer immediately. Their failure to take appropriate action despite weeks of requests is unacceptable. **
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info XXXX  : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o Equifax has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on Equifax XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late
Product: Money transfer, virtual currency, or money service

XXXX {$1500.00} XXXX {$4200.00} XXXX {$4900.00} XXXX {$4900.00} XXXX {$15000.00} XXXX is fraud. As this was an investment. Company has not responded. This was investment of mobile application which was never received
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company JPMCB CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days gives reason to immediate removal of those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please update these accounts as soon as possible. XXXX XXXX XXXX Balance : {$98000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}.
Product: Debt collection

I am in disagreement with the items which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Product: Debt collection

This was an erroneous bill, I cancelled XXXX insurance  and paid off the entire amount and still I was sent to collection. The collection company harassed me on the phone at odd hours, and forced me to pay this debt without even validating this debt and even failed to mark the account as dispute. 

This has caused me severe financial and XXXX XXXX has diminished my buying power and has caused me XXXX XXXX
Product: Money transfer, virtual currency, or money service

I userd Zelle to transfer money for a service and Zelle did not confirm and money was transferred to the wrong account {$500.00} XX/XX/year>
Product: Debt collection

Portfolio Recovery Services is reporting a debt on my credit reports- Please accept this complaint as a formal dispute of this account and its account balance. I am requesting debt validation, a copy of the dunning letter sent, and copies of all documents that Portfolio Recovery Services has obtained when purchasing this debt. According to the Federal Law Portfolio Recovery Services needs to provide these  documents in full no later than 30 days from receipt of this complaint