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

I received a copy of my credit report in XXXX of XXXX. I began my disputes since XX/XX/XXXX. I have sent several FTC letters to this company along with a police report complaint # indicating that my identity had been compromised & that they were reporting fraudulent accounts on my report, affecting my credit worthiness and negatively impacting my life. Along with these reports I have provided written letters to this company several times to which I have the tracking numbers too, letting them know of ALL of the many consumer laws they were breaking. They have ignored my concerns and continue to lie over the phone stating that they haven't received any of my letters. Prior to this another supervisor told me my documents were received but not validated. When asked to explain how legal documents were not validated, he suggested sending them again, costing me extra funds. Below I have attached the letters sent to this company time and time again. This is a privately owned company acting outside the laws. I HAVE SPOKEN TO XXXX AT EXPERIAN ON XX/XX/XXXX AND I HAVE RECORD OF SPEAKING TO XXXX XXXX AT XXXX WHO CLAIMS TO BE A SUPERVISOR ON XXXX XXXX. 


HERE ARE SOME OF THE SEVERAL LAWS THEY HAVE BROKEN : According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
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 Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX.
Product: Credit card

I am disputing the collection account with XXXX, account number XXXX, dated XX/XX/year>, with a balance o {$850.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

My name is : XXXX XXXX. I am one of costumers of Bank of America. I sent wir transfer money from my I account that have bank of America, down town branch located in XXXX MN. to account of my nephew at XXXX XXXX in XXXX. That was supposed to reach my nephew and my sister his mother in 24 hours. the date was XX/XX/2019. But, up to now the money was delivered to people that I sent to. After, ten days my branch bankers told me they will send message to bank in XXXX to return the money. Again up to now money was not returned to me. The only option is to give me information, that I am legally entitled : which to give me answers WHY? that is happening? Because, if there is any reason why my is kept. None was given to me. Whenever I call wire transfer office of Bank of America. Or physically, I go to the branch, they say " We don't have any responses from XXXX XX/XX/XXXX. When my nephew and sister go to XXXX in XXXX, they told them " We don't have that money, the sender should to bank of America, the will give you answers. So, for me all this is ill treatment. I want justice. I believe this is not the way deserve. It is responsibility of bank of America to give one of two options : 1 ) - Return my money if it not delivered. 
2 ) - Give information, why that happening if there is any reason or issue. 
Because, Bank America is the company that I trusted as bank and handed my money. But they are mistreating me. I lost time and money because of what I was trying to do with this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

VISA credit card with Best BuyXXXX CitiBank , NA. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to Best Buy and they stated they would file a fraud claim. During the mean time we received a new Visa Best Buy credit card. I did not activate the card, I destroyed the card and contacted Best Buy to close the account. I received from Best Buy Credit Services a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with Best Buy to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original score.
Product: Debt collection

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Credit card or prepaid card

My wallet was stolen on XX/XX/2019. I started receiving messages about potentially fraudulent transactions while I was driving home from work that evening. When I parked and checked my purse ( approximately XXXX XXXX. that day ), I found that my wallet was missing. I notified my credit card issuers immediately that evening. There were XXXX charges on my Citibank credit card that were initially reversed, but then posted again on XX/XX/2019. These were a charge at the XXXX XXXX in the amount of {$2600.00} and a charge at XXXX in the amount of {$220.00}. I did not incur either of these charges - they resulted from the theft of my wallet. 

I spoke with a fraud investigator from Citibank and also sent them a copy of the police report I had filed with the XXXX Police Department on XX/XX/2019. I was not informed that the charges would be reinstated but found this when reviewing my account information online. The " dispute '' function usually available for transactions was not available for these two transactions.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX XXXX - XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( XXXX ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
XXXX XXXXXXXX XXXX has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I XXXX  with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Credit card

I initiated a dispute on my Square card and the dispute department within square cancelled the use of my card. When I called in to speak with a supervisor, they hung up on me repeatedly ( 15 calls ) for over two hours. I have requested access to the funds they are holding in my account and they continue to refuse to communicate with me or allow access to the funds within my account.
Product: Debt collection

On XX/XX/XXXX I received an ALERT from XXXX. I immediately signed on to my account to verify information from the alert, There was a collection from Convergent Outsourcing for a XXXX account from XX/XX/XXXX.I contacted Convergent at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the Convergent Rept. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX  for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX  to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX I was notified no one had updated my information in XX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from Convergent to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where XXXX  and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before CONVERGENT my score was XXXX XXXX now I'm at a XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 I made a online purchase from a company via XXXX for the amount of {$780.00}. The company was in constant communication with me until I made the purchase. On XX/XX/2021 the company stated that the received my payment and that the items would ship out soon. 

The items never shipped out I reached out to the company about getting an update on the shipping on XX/XX/2021, XXXX and XX/XX/2021 all messages were time stamped and read by the company but no response. 

I asked via email on XX/XX/2021 for the company to issue me a refund for the payment as I no longer wanted the items. The company failed to respond On XX/XX/2021 I filed a dispute with my bank stating that the goods were never received and I was asked by the bank to send in all documentation. 
I sent in the following documentation to the bank to handle the dispute 1. Emails requesting a refund from the merchant, Emails following up with the company asking about the shipping status and no response from the company. 
2. Emailed social media conversations where the company advised on XX/XX/2021 that I needed to come to XXXX XXXX to pick up my purchase when I paid for shipping. 
3. Social media conversation where the company refused to issue me a refund and that I needed to work with my bank on the dispute process. 
4. Complaint with the Texas Attorney General about this company that I not a registered business in the state of Texas. 
5. Complaint with the FTC against this company stating that when you are a victim of fraud that your bank is required to do a charge back to protect the consumer against fraud. 

On XX/XX/2021 the bank stated they denied my dispute because they reached out to the merchant and the billing and shipping information matched, and I need to reach out to the merchant for a refund. There is no way that the bank even investigated my dispute because the address that is on my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The address that I provided to the merchant for shipping is my new address XXXX XXXX XXXX XXXX, XXXX XXXX. So the statement made by the bank is false and misleading. 

I have reached out to this company several times asking for a refund and the merchant has failed to issue a refund. Clearly because the company is attempting to defraud me and the bank is allowing this company to defraud me. 

I have asked the bank to reopen my case and send me my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called CNU Online Holdings for an alleged payday loan. I have never had a payday loan from any company yet XXXX stated that it had been verified without providing any tangible and legal proof. My contact at XXXX is a lady named XXXX and her number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 recently reviewed a copy of my credit report and noticed I had fraudulent activity on it.
Product: Mortgage

My mortgage is through Truist Bank. My property was reassessed and as a result, I received a back-dated tax bill for the 2 years prior that reflected my current property value. I sent this tax bill into Truist so that it could be paid through my Escrow account. On XXXX, Truist shows that the amount of {$3000.00} was taken out of my Escrow to pay these tax bills. However, my taxing authority has never received these checks. Either they were sent to the wrong address or were lost in the mail. I have been calling Truist for 5 weeks to have them re-issue these checks and sent to the correct address. They keep telling me to keep waiting for them to be received but they have not taken my request seriously. I have requested call backs from management. Despite all of this, Truist has taken no action on my account and these tax bills are now past due. I should not be responsible for late fees because of a lack of action from Truist. I need these checks re-issued for {$3000.00} and sent to the following address : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

Today, XXXX XXXX, 2017, I logged onto my checking account from my home computer and viewed my transactions. I wanted to print out the front and back of a particular check for my records. This did not work. I went to their FAQs and there was no answer there for my problem. After 10 minutes on the phone with their automated telephone system for handling online checking issues which had no telephone menu item related to my question and which put me on extensive hold, I called the branch office I use. 
They told me that I have to come in physically to a branch and have the check printed out there. This is outrageous. I am XXXX and not able to drive today. It used to be the law that banks had to send the customer the canceled check with his/her statement each month. Then the procedure ( law? ) changed and banks did not send the canceled checks but told the customer to go online to their statement and print out the canceled checks from there. Now Wells Fargo is refusing to do let me print out the canceled checks for my record and they are not sending me the canceled checks either. This is interfering with and delaying the customer 's ability to have accurate records. I would not be able to go to court to prove what happened with a particular check or show a merchant.
Product: Credit card or prepaid card

In the month of XX/XX/2022, they charged me a late payment fee of {$29.00}, and in XXXX {$40.00} they keep increasing the fees higher and higher. This is unfair to the way they treat customers.
Product: Debt collection

Debt collector has violated 15 U.S.C 1692e, 1. They didn't state they are a debt collector 2. They didn't give me the option to opt out or stop the messages XXXX XXXX XXXX  We still want to help you. 
Your balance of {$900.00} with Jefferson Capital Systems , LLC ( current creditor of your original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account ) is still outstanding. Let 's change that! 

We have many different options for you to choose from, it all really comes down to which one is a better fit for you. 

If we work together, we can resolve your account in no time! 

TAKE A LOOK This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between 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 am writing to formally report that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has been reported on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and deleted from my credit report. 
Unauthorized Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi my name is XXXX XXXX XXXX I am with.Sps serviceing loan I have been dealing with them for months sending in paper work trying to get into the modifiction and home save program. TO Save my home they have strong me along.. now they telling me and my daughter that they ca n't put us in the modification programs or the harp my husband is decease he was a veteran of the XXXX can any XXXX help me to save my home we do n't have a lots of money we are just the average working person we got into that supreme loan scam I have been fighting since 2006 to keep my home all my retirement money is in this home please help me. Thank you why send in. All the information and then they not help me why? My husband is a decease veteran I am his spouse.. 
Please help me and my daughter. Keep our home. Please I was at the XXXX counseling office one day a woman who has the same as me they modified hers mortgage to {$800.00} dollars a month what joy I was hoping to get the same help not so why they held me on and had me thinking they was going to help me? I 've sent in all the information that was required for the the modifiction or the harp program why? Now they say that they wo n't give me the modifiction or put me in a program that will help me save my home please help thanks.