23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I first disputed unverified items on my credit report on XX/XX/2015 with Equifax and mistakenly did not include my SSN card. I sent this certified and via fax. I received a letter on XX/XX/2015 requesting the documentation. I once again sent this information out via fax and certified mail, ( including my ID, SSN card and proof of address ) on XX/XX/2015 and once again received the same letter requesting for my ID, SSN and proof of address to be sent to them. I also received a letter on XX/XX/2015 stating that my fax was illegible, which I take to mean that the picture of ID that was sent was illegible. Unfortunately, pictures do not come through well via fax, which is why I sent everything certified each time. My issue with this is that after I resent everything and they confirmed it was received, they said that my SSN card was not in there. It was and I have proof of this as you can see in the fax that was sent. I also sent a debt validation letter for a bankruptcy on my credit and received a letter on XXXX stating that chapter XXXX bankruptcies stay on file for a specific period of time and to contact the court which posted this. According to my rights afforded to me pursuant to the FCRA, the CRAs are required to provide documentation to validate disputed accounts when I demand it. My written request for this was absolutely dismissed. I am getting the run-around from Equifax regarding my credit report and my rights are being violated. I also received a letter from Equifax stating that further disputes regarding one of my accounts will be ignored and is considered frivolous, although I have disputed this account only once in the passed and received no proof at that time either. I required proof of these accounts or they must be deleted. I am fully ready to take this to court if I must. 

Please see attached documentation.
Product: Debt collection

I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.
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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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

i sent equifax my last letter on XXXX and it was delivered on XXXX by XXXX certified mail XXXX XXXX XXXX XXXX XXXX. I have not heard from them within the XXXX days required by the FCRA XXXX, and has became a violation of 15 USC 1681i5 ; 15 USC 1681s-2 lastly 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. 

I am attaching a copy below for your reference
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased furniture at the amount of XXXX. This came with a 12 month deferment and no interest if paid in full buy XX/XX/XXXX. I noticed on XX/XX/XXXX the the account has been closed and charged off as bad debt well before the agreed terms. I contacted company on XX/XX/XXXX to see if there was a mistake made and ask for the initial contract between us what representative refuse to provide information in reverse the fraudulent action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX CARD was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 my 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 60 days 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 XXXX XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I inquired about a possible mortgage refinance with Quicken Loans about 6 months ago. Now, the email I provided them has been getting random inquiries from different companies to 1 ) sell my home, 2 ) insurance quotes, 3 ) XXXX XXXX, 4 ) home equity lines of credit, 5 ) home warranty plans, 6 ) Quicken is continuing to contact me via phone and email even tho Ive asked them multiple times to take me off their call list. When I originally inquired on the refi, I opted out of any additional services they may provide.
Product: Vehicle loan or lease

I went to a car dealership by the name of XXXX XXXX XXXX where I was made to believe that I would be financing a car of my choice with them. I was told I needed to give my social security number. After I was asked for my social I then believed I would be doing a consumer credit transaction, seeing as how my credit card social security card was used, but I received no benefit. I was told that I needed to put {$12000.00} usd as a down payment down for the vehicle. This was also false and misleading because down payments are illegal, and there was a breach in the fiduciary obligation regarding my social. Once my signature securitized the document I was unsure why I was being charged a down payment. After it was time to pay my first alleged car payment, I was told that I needed to make the payment with Credit Acceptance. There was never an agent from credit acceptance at the car dealership and I never had communications with credit acceptance. I sent credit acceptance a notice asking them to please inform me on how I could owe them a debt that I never contracted with them on. Theres supposed to be a meeting of the minds regarding any contracts and that wasnt the case here. Only I and auto land signed the contract which would make me owing credit acceptance null and void. I was also told that credit acceptance received a portion of my down payment which is a violation of the TILA. I then sent credit acceptance a second notice asking them if they can please discharge my loan and refund me for the multiple car notes and repossession fees I had to pay to get my property back once it was stolen. I am the consumer and live person. If I signed a contract with credit acceptance that would be one thing. But for me to be blindsided is another thing. Each time credit acceptance repossessed my vehicle I had to pay {$1000.00} to retrieve it. Credit acceptance also verbally told me on the phone both times that each time my vehicle is repossessed they add {$100.00} more to my monthly car payment. Another thing I never signed for. At this point, credit acceptance should be shut completely down. They have been sued multiple times for deception and fraud and they have yet to stop and be honest. Praying this nightmare will end soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX 2017, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
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 XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2021 I logged into my Suntrust mobile app and saw an unauthorized transaction to " XXXX '' for the amount of XXXX $ and immediately I contacted Suntrust to have the transaction cancelled. However, they refused to saying that " the transaction have already been approved. I had never heard of " XXXX '' nor have ever used their services, yet I was being charged and the only thing my bank could do was lock my debit card and then file a claim. completely useless. the next day XX/XX/XXXX, I went to a branch to have access back to my account and my online banking, there I requested a new debit card and reset my online password. However, the second I got home and changed my password there already was another transaction to " XXXX '' even though the previous day Suntrust had assured me that any further transaction to and from " XXXX " would have been blocked. this time a transaction of XXXX $ still pending. so I picked up the phone and called my bank again with no help again whatsoever and saying that they can't cancel the transaction even though my account had been locked for the past 24 hours, suntrust again let " XXXX '' withdraw money from my account despite the fact they had locked the account and said that they would block any further transactions from " XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX can not provide accurate information on how information was obtained
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, 5 more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Debt collection

on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. an original contract with a wet signature from the original creditor with a wet signature. the name address and and phone number of the original creditor. an itemized payment history associated with the account as to determine what is owed and/or that may be contested. proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas I am more than sure that the company has claimed numerous payments. I mailed this letter on XX/XX/2023, it has been about 50 days since I received what appears to be the last bill, with no itemized statement of the prior bill no original contract, and nothing on whether they are even allowed to collect this alleged debt they are not licensed in the state of Iowa.
Product: Checking or savings account

It started two weeks ago when I received an email from XXXX XXXX that someone was not able to open an online checking account in my name because they couldn't provide a drivers license or proof of the address. That account was never opened. 

On XX/XX/2022 I received multiple emails from Bank of America that someone had successfully opened an account in my name using my SS # and DOB. I contacted Bank of America and they deleted the account. 

Someone is using my SS # and DOB attempting to open checking accounts in my name. They are also using my current email address which i find interesting because that's how I realized someone was opening these accounts.
Product: Debt collection

TRANSUNION, continues to report XXXX XXXX XXXX inaccurate information, which was a result in XXXX and XXXX data breach. USC 1681. TRANSUNION, has an inaccurate consumer report, which has been involved in identity theft. Along with any aliases connect to above name, Report should only read XXXX XXXX XXXX XXXX No other aliases connected. Fraudulent Account Displayed
Product: Money transfer, virtual currency, or money service

Request for Refund of Remaining Amount XXXX XXXX XXXX Transaction. I'm requesting a refund of the remaining balance from a transaction I made on XX/XX/year>, with XXXX XXXX XXXX XXXX XXXX, where I was charged {$140.00} for digital currency that was not delivered. I appreciate the partial refund of {$140.00} issued on XX/XX/XXXX, but there is still {$6.00} outstanding that has not been refunded. 

I contacted the merchant, and I was informed that the remaining amount was a fee ( shipping/handling fee ) charged by PayPal. However, PayPal has advised me to resolve this with the seller, as they will not handle this issue on their end. I also opened a dispute with PayPal, explaining my situation, but they denied the case, stating that the transaction was not covered under their Purchase Protection. 

As mentioned to both PayPal and the seller, under U.S. lawspecifically regulations by the Federal Trade Commission ( FTC ) merchants are obligated to deliver purchased goods within the agreed time frame or provide a full refund. According to the FTC 's guidelines : If you cant ship within the time you promised ( or within 30 days if you made no promise ), you must notify the customer of the delay and provide a revised shipping date. You also must give the customer the option to cancel the order for a full refund or to agree to the delay. 
Moreover, if verification of identity or payment was required, this should have been communicated upfront, and the seller is still required to offer a full refund, including any fees, if they can not fulfill the order. In this case, there was no prior agreement about a verification process before the purchase. XXXX XXXX XXXX XXXX is based in XXXX, this transaction involved an international sale to a U.S. consumer. Cross-border transactions remain subject to consumer protection laws that enforce transparent and fair sales practices. 

If this issue is not resolved, I will be forced to proceed with a chargeback through my credit card issuer to recover the outstanding {$6.00}.