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

In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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: Money transfer, virtual currency, or money service

WE SENT MONEY ON OR ABOUT XX/XX/2022, {$17000.00} TO TRUIST BANK TO THE ACCOUNT OF MY VENDOR XXXX OF XXXX XXXX, XXXX XXXX WITH THE WIRE TRANSFER INFORMATION PROVIDED BY XXXX ON THEIR OFFICIAL INVOICE. 

APPROXIMATELY XXXX XXXX LATER XXXX ASKED WHY WE DID NOT PAY THE BILL. AFTER EXTENSION INVESTIGATION WE FOUND THAT THE EMAIL SENT FROM XXXX TO VALENTINES HAD BEEN HACKED AND THE WIRE TRANSFER INFORMATION WAS FRAUDLENT. 

WE HAVE SPENT INNUMERABLE CALLS, SECURE MESSAGES, TEXT MESSAGES, EMAIL, PERSONAL VISITS WITH CHASE AND TRUIST BANKS. THE ONLY POSITIVE OUTCOME IS THE MONEY WAS SENT FROM XXXX AND THE MONEY WAS RECEIVED BY TRUIST. TRUIST WILL NOT GIVE ME THE NAME AND CONTACT INFORMATION OF THE ACCOUNT INTO WHICH THE MONEY WAS RECEIVED. 

WE HAVE CONFRONTED XXXX WITH THE ACCUSATION THAT THEIR EMAIL SYSTEM HAD BEEN HACKED AND IT WAS THEIR RESPONSIBILITY FOR SENDING XXXX FRAUDLENT INFORMATION ON THEIR OFFICIAL INVOICE WHICH THEY DENIED AND PUT OUR ACCOUNT AT THIS VALUED VENDOR ON REFUSE TO SERVICE DUE TO PAST DUE ACCOUNT. 

IT APPEARS THAT TRUIST BANK DID NOT VERIFY THE NAME ON THE ACCOUNT WITH THE NAME OF THE WIRE TRANSFER. HOWEVER, IF THE NAME ON THE TRUIST ACCOUNT WAS " XXXX ; XXXX XXXX, XXXX  '', AND MY VENDOR DENIES SETTING UP SUCH AND ACCOUNT, THERE THEN MAY BE FRAUD IN THE ACCOUNT ESTABLISHMENT.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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. I am doing this on my own behalf.
Product: Payday loan, title loan, or personal loan

On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. 


I am demanding that this account be deleted.
Product: Debt collection

I received notice from a debt collection agency of payment due in the amount of {$700.00} for an application for apartment # XXXX at The XXXX in XXXX, Texas. I know that this apartment was applied for in XXXX of 2023 under my name and another individual 's name as both of us were notified. That person is, in fact, the person who stole my identity, using my information in hopes of qualifying for the apartment. I was informed of the situation in XXXX of 2023. I have never been to said property. I never filled out an application nor authorized that an application be filled out in my name. The same individual in question has applied for at least two other apartments in my name without my knowledge and without my permission.
Product: Credit card

I acquired a credit card with Citi Financial - CITI CARD ENDING IN XXXX. During the time I had the credit card and used it often I always paid the full balance each month. After finding a more competitive credit card I elected to lock this card. I contacted CITI to cancel the card prior to the pending annual fee ; however, I noticed my card was never cancelled and now my credit report shows as if I'm past due on the card. The only balance on the card is the Annual Fee. 

I am disputing this transaction and request Citi to remove any negative credit report information regarding this account.
Product: Debt collection

I received a letter from TriVerity on XX/XX/2024 regarding to a debt that I owed of {$6100.00} from XXXX XXXX XXXX XXXX. I contacted both companies the same day knowing full well that this is not an amount that I owe nor did I ever setup an account with XXXX XXXX XXXX XXXX. Both companies were able to provide contacts to help with the issue, as well as sources to further report the fraudulent account. XXXX also mentioned a XXXX XXXX card, however no further details were mentioned. Both companies were willing to assist with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2019 and they still did not answer my question as to how XXXX & XXXX are at or above 730 with the same data yet they are at XXXX. 
As you will see in the uploaded spreadsheet, the data is basically the same. Experian actually only has 4 Negative Items compared to XXXX having 5. I took the reports from both companies and compared the data. After doing this, I am convinced Experian is not reporting a fair score for me based on the data and also based on the fact that XXXX XXXX score pretty much mirrors XXXX XXXX. 2 Bureaus with similar scores should tell you that Experian is posting false information.
Product: Debt collection

On XX/XX/2019 I mailed a letter to RS Clark & Associates requesting that they validate an alleged debt that they were reporting to a credit bureau in the amount of {$200.00}. 

They replied on XX/XX/2019 with what they called " the information validating the debt as required by law '' which had my first/last name ( which also happens to be my ex sister in-law 's name ), account number, and amount of {$200.00}. They also included a page which was titled " collections write-off utility detail report '' with the amount of {$200.00}, it appears to be from the original company of the alleged debt, it says page 12, but this is the only page they sent me from the original company. They also sent an informational 2 page brochure/print out about privacy and health information. The information they sent me on XXXX XXXX was not sufficient information to validate this account. 

I sent a reply letter on XX/XX/2019 stating that they did not provide me adequate information needed to validate the alleged debt and that I would file a complaint if they continue to ignore my request.

RS Clark & Associates replied on XXXX XXXX stating that they are considering my request to be frivolous per the FCRA definition. They stated that they previously responded and fulfilled their duty and verified the disputed information.
Product: Debt collection

I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. 

I was advise they IC systems does not report to credit. 

I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. 

The rep stated IC systems does no report to credit as they legally do not own my debt. 

Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. 

I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. 


I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. 

I read reviews today XX/XX/XXXX that show other people were mislead as well.
Product: Credit card or prepaid card

I made an online purchase at Kohls for XXXX on XX/XX/21. A small part of the order ( around {$36.00} ) was delivered. The rest of the order never shipped, so I called on XX/XX/21 and was told that shipment was never given to the shipping company ( who I also contacted ). I was told that I would receive a refund within 7 days. When I didnt receive the refund, I called back and was told no refund was ever processed. Supposedly the refund was processed again and I was told to wait 7 days again. After 7 more days and no refun and 4+ hours trying to talk to someone I was told the exact thing for a THIRD time ( well process the refund and youll have it in 7 days ). In the meantime I received an email ( after my refund had supposedly been processed ) documenting that they never sent my merchandise. They are running a scam so they can keep my money and the interest Im being charged when they ( based on their own admission ) never sent the merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries I do not recognize, I have contacted on three CRAs and the did not dispute the inquiries. Attached is an FTC report of all unauthorized inquiries that should be removed.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX 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 or other personal consumer reports

I filed a complaint with all credit bureau XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as of today nothing has been done to change their credit reporting, I even explained that it could be a case of mistaken identity or fraud at this point, I explained that all my credit is good standing and I have no late payments. This has really caused me XXXX XXXX XXXX XXXXXXXX. I just want this matter resolved immediately.
Product: Credit reporting or other personal consumer reports

There was a flood in my apartment where the washing machine broke and workers came in to fix the problem. They lifted the carpet and attempted to dry it out but did not move the large bed in the room. The water had gone underneath the bed and flooded the carpet. This carpet was not dried and or replaced. When I moved out, and moved the bed there was a large stain on the carpet from the flood. The apartment complex chose to charge me and not give me back my deposit for this stain, that was not caused by me. It was from the flooded carpet that wasnt properly taken care of. I am requesting for this charge to be removed from my report and for them to provide the documents that show That the carpet was flooded by their washing machine. I had to move out for several days, there should be a report.
Product: Mortgage

I refinanced my mortgage with another company and my Suntrust XXXX now Truist ) mortgage was paid in full on XX/XX/XXXX. I was told a check for {$6500.00} would be mailed to me for the overage in my escrow account. I called Suntrust to verify the amount and they told me the check was mailed on XX/XX/XXXX. I called on or around XX/XX/XXXX to see why I hadnt received the check yet. Suntrust said the mail was slow but if I didnt receive it by XX/XX/XXXX I could request a stop payment and have the check reissued. I called again on about XX/XX/XXXX and told them I still hadnt received. Again I was told the mail was slow and nothing could be done until XX/XX/XXXX. I called on XX/XX/XXXX and said I still didnt have the check. Suntrust said they would stop the payment and reissue. On XX/XX/XXXX I received a check and cashed it. Today XX/XX/XXXX my bank charged me for a returned check fee because that check didnt clear. I called Suntrust on XX/XX/XXXX to ask why the check didnt clear and was told that the check I cashed was the original check mailed 38 days prior on XX/XX/XXXX and that Suntrust had identified an issue in XXXX where statements and checks did not print like they were supposed to. That issue caused statements and checks to be delayed in getting sent out. I asked the rep why in all the calls I had placed had no one told me this was an issue so I could have expected the check to arrive late, not requested a stop payment, and not thought the check received on XX/XX/XXXX was the replacement check. This has now cost me money with my bank and hours on the phone. Where was the communication and transparency from Suntrust that the check was late because of an identified issue on their end. It is XX/XX/XXXX and I still do not have my money.
Product: Credit card or prepaid card

I received a notification from a credit monitoring company that on XX/XX/2023, someone opened a new credit card in my name ( or my maiden name ) at Best Buy. I did not open a credit card at Best Buy. On XX/XX/2023, I got a voicemail from Best Buy saying that they tried to send me mail but it was returned as undeliverable. I called Best Buy and they told me the fraudulently opened credit card has a balance, but they were going to close the card because of my fraud report. I don't know anything about the person who opened the account, although they apparently had my phone number as well since Best Buy contacted me.
Product: Debt collection

XXXX collection services has an account on my credit that I have no knowledge of. I have asked by letter documentation a total of XXXX times for this company to validate this item as mine, but all of my requests have been ignored
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. 
ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 
15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, XXXX XXXX XXXX states : " A consumer may exercise the right to opt out at any time. 
" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023. Equifax is reporting inaccurate information on the consumer " credit '' report. 
Under personal information the only name that is correct is XXXX ' XXXX and the current location of the consumer is XXXX XXXX XXXX XXXX, Michigan XXXX. 
please correct the following inaccuracies seeing your agency have assumed a vital role in protecting consumers rights privacy and the laws that protect consumers. 

please delete the following within the next 30 days! 
XXXX XXXX XXXX Please delete the following locations : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please delete XXXX XXXX XXXX THE original creditor is missing as well as company sold past due amount missing payment history inaccurate.
Product: Mortgage

We closed on our house in NJ on XXXX/XXXX/2016 and we are still waiting for our escrow check. Since the XXXX or XXXX of XXXX we have been calling them every week, and we get a different story about the check every time we call. Since out first call in XXXX to this day XXXX XXXX, They have supposedly sent out XXXX checks due to us not receiving the first, the second and the third check. They also told us they were going to do an investigation on the first check we never received to see if it had been cashed. And of course when we inquired about it they told us it was internal information and that they could not tell us what happened to the check. Now there saying that it is the Us post that keeps losing the checks, however they could not present any real truth to this as they were not able to give us a tracking number for these checks. Regardless, if this was the case would they not be willing to resolve this issue with the post. 
The company is called Roundpoint mortgage and is located at XXXX XXXX XXXX XXXX XXXX, NC XXXX Can you please help us. We are at our end!!!!!!!!!!!!!