23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( s ) in question are as follows : XXXX XXXXXXXX XXXX  XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
Product: Money transfer, virtual currency, or money service

Hello, I got a new phone number. I tried to open an account with Venmo, but their system had a bug that was asking me to log in with the previous user 's account... Aside : I think it may have been possible since the customer support was not aware of this bug. I found another bug or two in their system and helped em fix it.

I needed to use Venmo fast for living expenses so I signed up with an old phone number that was going to expire soon since customer support ended up giving me 31 support emails on this bug and how to fix it ( I'm a software engineer ). 

Now, despite me giving them technical support how to fix their system, knowing I entered bank account info, and more, they were unable to transfer my account from my old phone number to my new number. I can not log into Venmo, and their customer support will not help me. Now with my old phone expired, they have banking information of mine, and I can't log in and customer support will not help. 

They're beyond giving me the run around at this point which is actually ironically funny since I actually helped them debug and fix their system in the customer support emails, but they will not give me even basic customer support to transfer the account... I help them, they give me the run around like they're deliberately trying to annoy me... Isn't illegal to keep someone's banking information on file against their will? On top of this, I am not confident they fixed their system so if someone gets my old recycled cell phone number, they possibly could get my banking info. 

To me this is egregious in terms of philosophy. They wasted over 10 hours of my time, and I was unable to get the financial help I wanted from a friend, and that's just fine... But really ... to not let me transfer my account or even cancel it even after I helped them considerably? We live in a world redefining the world thank you. 

Anyway, take care guys, I don't know if this will even reach someone, XXXX  XXXX
Product: Mortgage

Upon review of our account on we noticed suspicious activity. Our mailing address was changed to an address not associated with the owners. We changed the mailing address back to our property address as well as our online account password. The mailing address was subsequently changed again without our permission. We have mailed Shellpoint a letter confirming this suspicious activity. Requesting a letter to be mailed is not taking fraud seriously. Time is of essence. There are no procedures to lock your account due to fraudulent activity. The customer identification process is not rigorous. They simply ask for last 4 of SS #, name and address.
Product: Student loan

I receive phone calls daily from Sallie Mae about my student loans. I have XXXX income and have reported this multiple times. They sent a letter stating they wont call anymore and update contact to only email or preferred communication but calls endlessly continue. They are now contacting people about my loans which I dont want people knowing my business. They are using my name and number to call people. People are getting phone calls that come up my name and number but end up being Sallie Mae on the other end of the phone. They wont work around my income. I can not give them anything and have explained this.
Product: Credit card

In XX/XX/2023, I was notified that a Target Card had been opened in my name by XXXX XXXX XXXX, who is the mother of the thief. The card number is XXXX. I also filed a police report with XXXX XXXX Sheriff 's Department about the incident. I spoke to a Target Fraud employee who told me he would be cancelling the card, but that never happened. I know who the offender is as well as their address. The card has a current balance of {$1700.00} and is past due. Please help me as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened on XX/XX/XXXX with XXXX XXXX.Another credit card with XXXXXXXX XXXX account opened on XX/XX/XXXX. A third credit card with XXXX XXXX account opened on XX/XX/XXXX. A fourth credit card with XXXX XXXX  account opened on XX/XX/XXXX. XXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) credit card opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. XXXX XXXX XXXXXXXX credit card  opened on XX/XX/XXXX. XXXX XXXX XXXX charge card opened on XX/XX/XXXX. XXXX XXXX XXXX credit card opened on XX/XX/XXXX. XXXX charge card opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit card

Purchased a part on XX/XX/XXXX. 
Returned part on XX/XX/XXXX. 
The part company said that they were going to issue a partial credit and keep a restocking fee. I spoke with two people at the part company who refused to return the full amount ( without the restocking fee ). I originally disputed the restocking fee on XX/XX/XXXX with US Bank because I was not informed of it. I gave all information and who I talked with on XX/XX/XXXX to US Bank. At that time I was not provided with a return slip from the part company. US Bank originally refunded the full amount. Then on XX/XX/XXXX reversed the full refund amount. On XX/XX/XXXX I found out about the reversal because I received a letter. I called in to customer service at US Bank and they said they needed more information but only asked me two questions that I had already answered. They also told me to call back on Monday XX/XX/XXXX, so I did. I was then informed on XX/XX/XXXX that they needed something on paper and signed from me which I didnt know before then. I thought the information I had provided, like who I spoke with at the part company and when and all the other information, was enough. So then on XX/XX/XXXX I went to the part company and demanded either my part or proof of return. After some arguing they agreed to give me a proof of return. They provided me with an invoice that had the partial credit amount ( minus the restocking fee ). I provided that and the original invoice and signed papers to US Bank on XX/XX/XXXX. On XX/XX/XXXX US Bank said that the invoice showing the credit amount was not proof of return. They refused to tell me what would be proof of return. The part was returned in person. US Bank is refusing to provide me with all documentation used in their consideration despite their letter saying I have a right to request it. US Bank has also not contacted the part company or their bank at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit score earlier this month ; I saw that Mr. Cooper ( Nationstar DBA ) mortgage company reported an additional mortgage/ loan to my account and to my credit score. This error has decreased by credit score by 66 points. I work very hard to maintain that credit score and pay my bills on time. I have spoken to representatives from Mr. Cooper several times. When I spoke to a XXXX today she confirmed that between the months of XXXX and XXXX that their was a massive error on their behalf reporting incorrect information in regard to loans and credit reporting. I now have apparently wait fir their internal investigative department to research and clear the error. I need this error to be removed from my loan and from my credit score. I also need my credit score to be reinstated to its most recent numerical value prior to this error on their behalf.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Equifax is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Equifax has caused several denials to credit and loans
Product: Debt collection

Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX To : The Office of Registered Agent for Nationwide Credit & Collection , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




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

On XX/XX/2020 I sent letters to Equifax, XXXX and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

A consumer credit transaction with XXXX XXXX in XXXX Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX  is reporting multiple late payments on my consumer report for the following Account Name - XXXX XXXX Account Number- XXXX Account Type- Secured Loan Responsibility -Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$460.00} written off. {$310.00} past due as of XXXX XXXX, which is a violation of 15 USC 1666b. I am demanding that XXXX return any fees that were improperly collected for this billing error. Furthermore, XXXX XXXX, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692. 


Account Name - XXXX XXXX Account Number- XXXX Account Type- Secured Loan Responsibility -Individual Date Opened - XX/XX/XXXX Status - Account charged off. {$460.00} written off. {$310.00} past due as of XX/XX/XXXX.
Product: Credit card

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> SP XXXX XXXX XXXX - XXXX my card was charged for these transactions and CITI denied my dispute claiming the card had been physically swiped which was in my possession the entire time. I went to my precinct to file a police report and they advised me i need a denial letter from CITI, which I have repeatedly called and requested for and have not received. 

There were charges that CITI did recognize as fraud from the same time period and they awarded me those disputes, but these XXXX charges above were not XX/XX/year> XXXX XXXX XXXX XXXXXXXX - {$350.00} XX/XX/year> XXXX XXXX XXXX - {$24.00} XX/XX/year> XXXX XXXX - {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX  accounts have reported inquires that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX has violated my rights. 
Amex XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX NOT MINE! 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

TIMELINE : On XX/XX/2020 we scheduled a payment to XXXX  ( XXXX XXXX XXXX XXXX ) through Suntrust billpay - this payment was deducted on XX/XX/2020 ( attachment # 1 ) For the first time we attempted to use Suntrust billpay as the wait time to pay XXXX  by phone was quite lengthy. 

On XX/XX/2020 I first contacted XXXX via their chat module through their website after the payment appeared on my Suntrust account ledger but not on the XXXX   account ledger. XXXX suggested I wait a few days because the payment was not yet in their system. ( attachment # 2 ) On XX/XX/2020 I contacted Suntrust and was given a trace number and merchant ID and instructed to call the billpay service and track down my own payment. 
I was also informed that the payment somehow went to XXXX XXXX and given the number to XXXX XXXX which I did not use. 
I did however call XXXX and leave a message with the transaction information provided me by Suntrust. This call was not returned. ( attachment # 3 ) Also on XX/XX/2020 I contacted XXXX  by message app since I had no luck with the agent when I had done the chat on XX/XX/2020, my hope was that they could assist me if perhaps my inquiry was in writing. I received no response until XX/XX/2020 AFTER I had already made a second payment by phone NOT THROUGH SUNTRUST BILLPAY ( attachment # 4 ) On XX/XX/2020 I called XXXX after once again noting that in their system our mortgage payment had not been received and made a payment by phone. ( attachment # 5 ) # XXXX XXXX XXXX XXXX <<<THIS IS MY CONFIRMATION # AND THE NAME AND EMPLOYEE # OF THE AGENT WITH WHOM I MADE THE TELEPHONE PAYMENT On XX/XX/2020 we faxed over a dispute based on instruction from Suntrust agents in order to have refunded to us our first ( and still missing ) payment from XX/XX/2020. ( attachment # 6 ) On  XX/XX/2020 our account was credited with a dispute return so quite naturally we believed our account had been rightfully credited the missing payment from XX/XX/2020. ( attachment # 7 ) What actually happened ( see attachment # 8 ) was a reversal of my telephone payment made on XX/XX/2020 ). 

The last three attachments are the letters we received from both Suntrust and XXXX both accusing us of having insufficient funds to process our mortgage payment and cutting off our billpay access. 

The end result is that we have paid our mortgage three ( 3 ) times. And we are still missing our XX/XX/2020 payment of {$1200.00}. 

Suntrust contends that we were refunded the XX/XX/2020 payment and has closed the case. 

A simple cursory review of the documentation would result in an acknowledgement of a banking error, instead we were given the run around and brush off treatment.
Product: Credit card or prepaid card

My credit card with Upgrade located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California XXXX was fraudulently charge {$1900.00}. 

Upgrade is refusing to dispute the charges in accordance to federal law because I am out of state and can not obtain a police report at this time. They are telling me that my dispute will not be processed without this document, and that my statement alone is not enough proof to my claim. Upgrade is further stating that I am liable for the charges even though I am unable to obtain a police report. I am out of state on business and do not have the means to do as upgrade requests.
Product: Credit reporting or other personal consumer reports

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. Equifax and XXXX, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither Equifax, XXXX, XXXX nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. Equifax and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Product: Credit card or prepaid card

I submitted a claim once I was released from XXXX claim said no provisional credit due to time Then the claim was denied I sent in police report Id verification from XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$10000.00} ;