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

XXXX offered a trade-in promotion that would reduce the purchase price of a XXXX XXXX by {$400.00} if I sent in my XXXX XXXX phone in good working condition, free of damages outside of normal wear and tear. In 19 years I have never broken a cell phone, for as long as I've owned a smartphone it's been in a case. I took photographs of my XXXX XXXX phone before I sent it in, but I received notification from XXXX in XXXX that my phone had not met the conditions for " normal wear and tear ''. I reached out to XXXX for clarification, when they were unable to provide it and did not meet their promise to contact me with further details I disputed the fraudulent charge with TD Bank on XX/XX/XXXX. To my surprise, TD Bank did not temporarily credit my account while we worked through the dispute process, nor did I hear from them with questions about the dispute. I contacted them again via their secure messaging service to ensure I'd have a written record on XX/XX/XXXX, asking when I would see a credit on my account for the disputed amount. As with my first contact, they marked it as received and closed the contact. When I did not pay the minimum due ( including the disputed amount ) on XX/XX/XXXX, I was charged a late fee. On XX/XX/XXXX I called TD Bank to attempt to resolve the situation, they offered a one-time concession of reversing the late fee if I paid the past due amount in full, effectively eliminating my ability to dispute the amount. 

Around this time I received notification in the mail that XXXX had informed TD Bank that my phone did not meet the trade-in requirements due to housing damage ( please review the attached photographs which clearly show there is no damage ) and that if I had further concerns I would need to work with XXXX directly. TD Bank did NOT provide proof that the charge was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had sent SUN LOANS a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify Sun Loans of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Product: Credit reporting or other personal consumer reports

I have been subjected to identity theft and these following inquiries appearing on my credit reports from all 3 bureaus does not belong to me. I have also attached my FTC report for more details. Kindly remove these inquiries asap as my credit is being Impacted pretty badly due these. 

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

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 or other personal consumer reports

I was able to place a freeze on all three bureaus for myself shortly after hearing about the XXXX breach. Shortly after that, my wife and I tried to place a freeze for her. The Transunion site has frozen or given error messages EVERY time. Today I tried to get the status of MY freeze, and the Transunion site froze and/or gave an error message EVERY time. How can a company with so much influence over our day to day lives be allowed to operate so badly? If the Transunion site won't work on the " unfreeze '' portion, how can I get new credit when necessary?
Product: Checking or savings account

On XX/XX/XXXX I went to my bank ( Key Bank ) and ask them to E.T.F. {$550.00} from my checking account to my landlords bank account ( XXXX XXXX ). My landlord provided my bank with her account information but XXXX XXXX the Relationship Manager for Key Bank wrote the account number down missing one number so he sent a check out onXX/XX/XXXX. To date the money was taken out of my account but the landlord or her bank has ever seen this check. On XX/XX/XXXX my landlord, her bank ( XXXX ), myself, my bank ( Key Bank ) all got together to find out why this money was not deposited into my landlords account and it was discovered that XXXX XXXX errored in writing down my landlords account number and that a check was sent out but no one knows where it is now. I went to my bank and personally talked to the bank manager and explained the problems this was causing me late fees on my rent damage to my credit and that I am now in jeperdy of getting a eviction notice. The bank manager said he personally would cancel the check and credit my account that day so I could withdraw the money to pay my rent but to date that has not happened. Additionally, when I first opened the checking account I got on line and received a promotional code for {$200.00} for opening the checking account with Key Bank and was told I would have to go to a key Bank branch office to open the account because they needed to see my I.D . card and social security card XXXX said his computer was down that day so he went into the bank manager office to record the promo number so he could take care of it latter. Latter never came and when I questioned him about it he said he couldn't find it and left it at that. I'd like to get that promo reward
Product: Credit reporting or other personal consumer reports

WHAT HAPPENED?? 
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XX/XX/year> {$470.00} XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My original HELOC mortgage was with BB & T which was acquired by Truist. 
In XXXX, 2022, I converted this HELOC to a fixed rate mortgage. 
Truist is misapplying payments to the closed HELOC account. Every month I need to call in to ensure the payment is applied to the correct account. Every month, they apply the payment incorrectly. They either apply it to the correct account as an all interest payment or they apply it to the closed account. This has been going on for over 8 months and they do not let me speak to anyone about correcting this once and for all. To date I have paid over $ 5K but my principal has not gone down. 

Over these past XXXX months, I have made repeated calls and visits to the local branch to no avail. I have documented the calls and visits with names and cases, none of which have been followed up on. Every month I call and open yet another case which goes by the wayside as no one returns a call or even sends an email to followup. On the last case opened, I did express to the rep my disgust that no one follows up. She kindly did call me back only to inform me that my case had been denied, no further information as to why. 

Bottom line, Truist is gouging me by taking my payments, applying to the wrong account, and when I do complain, they do move it to the correct account but only apply the payment as interest only. The mortage principal never decreases. At this rate, I will have this mortgage on my house forever. 

For 2022, Truist also provided XXXX different Mortage interest statements ( XXXX XXXX. XXXX ) for the same account ( HELOC ). Each statement is different and has incorrect principal and interest figures. They have yet to provide a 2022 Mortgage interest statement for the fixed rate account. 

During all my calls with Truist, I always referred to the information I was seeing on their webpage and how it differed from the paper statements I was receiving. Every single rep that I spoke with advised that they were seeing completely different information on their screens as well. Multiple requests for copies of what their screen is showing have been ignored. This leads me to believe that Truist is withholding information by deceptively managing accounts and not allowing clients to see current or accurate information.
Product: Debt collection

Convergent Outsourcing contacted me through a letter stating that our XXXX bill went to collection ( through them ) and would be late as of the end of XX/XX/2022. They claim I awe {$650.00} in debts. I called XXXX to find out more and my name and account number that the letter gave me wasn't in the system. 
The account number that was given was # XXXX This is now on my credit report and is effecting my credit score in a negative way. 
Covergent Outsourcing address and phone number .... 
XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

So I bought a scooter from a dealership for XXXX and paid XXXX at time of sale. 
that was a down payment and my first payment. this was on the XXXX of XXXX. I received an email that a third party called Monterey Financial has purchased the loan from XXXX XXXX 3 days later. Ok today I called them to get a pay off notice as I wanted to pay the balance within the next two months and I was told that my pay off was XXXX. I almost fell to the ground. I asked if she was joking because that was like over 100 % of what the scooter is even worth. She told me to return the scooter to XXXX XXXX XXXX XXXX in XXXX and my Balance would be XXXX. So basically I would be just giving them XXXX for something I don't have. I tried talking to a supervisor and got no where. I called the dealer from where I bought the scooter and told him that Monterey told me to return the scooter and he told me there are no returns. So now I'm waiting for a call back from the dealership and so far no call. I got severly scammed by everyone listed here.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I received a notice from Jefferson Capital for collection. I requested a verification letter and they provided a statement from XXXX with my name XXXX XXXX. I have never had XXXX services and received proof that there is only one account open in my name from back in XXXX via XXXX fraud investigation team. I have lived in XXXX  since leaving for XXXX  in XXXX. I called XXXX Fraud and they told me I need to file a police report before they can investigate any further that someone stole my identity to open an account in my name. I will continue to work with XXXX so they remove the account from collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
Product: Bank account or service

Beginning in XX/XX/XXXX I opened a checking account and in XX/XX/XXXX an unauthorized signer was allowed to access my financials. This bank sold out in XX/XX/XXXX and this was allowed to continue.No signature cards were issued during this time and I have been denied these cards. I approached the bank and bank representatives multiple times to have the individual removed from my account, and even obtained letters from the bank stating the individual had been removed however the account was still being compromised. The individual removed over {$100000.00} that can be shown thru unauthorized debits and checks he created and cashed. Because of the illegal actions of this individual and BB & T bank I am fighting court issues with no resolve at this point and time. This is due to the bank continuing to violate law and breech of contract which is enabling them to act as a criminal enterprise and hurt innocent individuals. Subpeonas have been served on the bank for active court case and the bank has refused to comply with these legal request. The bank has failed to issue a letter stating the account in question is mine even though I have all original documents showing such. Due to this continued illegal activity court dates have been postponed and my attorney fees are going up by the day. The banks illegal activity has now taken a lucrative career from me and left me jobless. I have recently contacted regional and national media and intend on making this story national headlines unless relief can be granted immediately. The banks illegal activity continue to effect all aspects of my life and I request immediate action in helping to clarify and correct this matter. Because of this individuals actions along with the bank it has now stopped any future job opportunities and growth I could experience. It has allowed for published written works of mine to be stolen and others as well.
Product: Credit reporting or other personal consumer reports

The company keeps changing the information on charge off date then reports late payments on on credit report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accuracy is not correct on my equifax report. 
I applied for auto loan and three separate company ran my credit for said loan on the same day.. 
XX/XX/XXXX th XXXX snd i was hit with three seperate inquiries which dropped my credit score. 
In XXXX and XXXX of XXXX i was looking for a mortgage and the same thing yhing occurr it was XXXX  as three seperate inquiries as opposed to one which dropped my credit score because if the inquiries
Product: Debt collection

I do not have any unresolved debt with XXXX XXXX. In fact they have a secured credit card in good standing of them yet. I keep receiving the debt collection text message as of few months ago from this apparent company. here is a copy of the latest text message. 


XXXX XXXX, getting a tax refund? Use it to resolve your XXXX XXXX, XXXX. account ending in XXXX with MRS BPO LLC. MRS is a collection agency. Take the next step toward financial freedom. 

Call : ( XXXX ) XXXX Visit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX ( XXXX ) XXXX
Product: Bank account or service

I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.