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

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. Following countless phone calls communicating that there is a pending 1099c on my account that I have yet to receive. XXXX XXXXXXXX XXXX XXXX XXXX XXXX has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of XXXX5 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc...

The bank engages in unsafe or unsound practices, including those relating to management, earnings, information technology, consumer compliance, and internal audit, as well as violations of 12 C.F.R.163.180 ( d ), and noncompliance with 12 C.F.R. Part 30, Appendix D, Heightened Standards and the bank is in noncompliance with Articles IV ( Action Plan ), V ( Risk Management and Risk Governance Framework ), VI ( Compliance Risk Management Program ), and VII ( Information Technology ) of the XXXX Consent Order and Article V ( Suspicious Activity Identification, Evaluation, and Reporting ) of the XXXX XXXX Consent Order. 

I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets. 

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX 's unfair practices. Thank you, your cooperation is appreciated in advance.
Product: Debt collection

I received a demand letter from Pioneer Credit Recovery , Inc. on XXXX/XXXX/2016 for {$740.00}. 

I am disputing this debt it does not belong to me and I will not pay it. I have been contacted several time by mail and by phone in a attempt by Pioneer for me to pay this fraudulent debt. 

This debt is a result of Medical Fraud, by a criminal who has used my Identity to receive medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocky Mountain is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;
Product: Credit card

On XX/XX/2024 I received a Netspend debit card in the mail which was issued by XXXX, XXXX. I did not request this card. For the record, my credit is frozen at XXXX, XXXX, and XXXX and has been for years. 

The account appears to be linked to XXXX, XXXX account which is did open and is not mine. Routing number XXXX XXXX XXXX. Account number XXXX.
Product: Vehicle loan or lease

I am filing this complaint against TD Auto Finance for repeated violations, including inaccurate reporting to credit bureaus, wrongful account charge-off, negligence in their duty as a lien holder, and lack of response to my dispute. My vehicle was stolen, and I filed a claim with my insurance company, which deemed it a total loss. The title and keys were surrendered to the insurance company, meaning I no longer had possession of the vehicle. About 4 to 5 months later, the vehicle was recovered, and the towing company attempted to notify TD Auto Finance of its status. Despite proper notification, TD Auto Finance failed to respond, leading to the vehicle being sold off without their knowledge as a lien holder. This inaction reflects a significant oversight by TD Auto Finance. 

Despite their negligence in handling this matter as the lienholder, TD Auto Finance proceeded to report this account as charged off to credit bureaus. This action has resulted in severe damage to my credit score, causing me emotional distress and financial hardship. The reporting of inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and constitutes an unfair practice. 

The Consumer Financial Protection Bureau ( CFPB ) recently ordered TD Bank, TD Auto Finances affiliate, to pay {$28.00} XXXX due to repeated instances of reporting inaccurate information to credit bureaus. The CFPB found that TD Bank shared false information, including delinquencies and inaccuracies about fraudulent accounts, with consumer reporting agencies and failed to correct it promptly, affecting tens of thousands of consumers.
Product: Credit card

I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations! 
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.
Product: Credit card or prepaid card

On XX/XX/2017, I purchased a trip voucher to XXXX through XXXX XXXX for {$910.00}. A few days following, I had decided to cancel the trip for personal reasons. I contacted XXXX XXXX  to receive a refund and I was told I would not be receiving one. Following this, I contacted Citi Bank, the issuer of my MasterCard credit card, to initiate a dispute. I was in correspondence with them for weeks and provided appropriate documention of my trip cancellation. I was told by several agents of Citi that I would certainly be receiving a refund, so I decided not to worry about the charge for the time being. A few weeks ago, I realized that the charge had not been reversed and my account was accruing interest on it. I emailed Citi once again more documentation of my trip cancellation. Additionally, my sister who had also booked the same thing had her trip 100 % refunded by her credit card company XXXX XXXX without nearly as many issues I had encountered. Anyway, I contacted Citi to get further clarification and was told that I did not respond in adequate time to the dispute though I was not notified adequately that there was a time frame nor was the dispute denied initially. I beleive it is unfair that I am being held accountable for this charge due to the lack of communication, and the fact that I am not receiving any services/products though I have paid nearly a thousand dollars.
Product: Checking or savings account

Dates : approx ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Names : First Bank Puerto Rico, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone numbers : XXXX, XXXX, XXXX Account Type : XXXX XXXX ( Trust Accounts ) Complaint : There has been a long period of time taken by the bank to set up and secure the Trust account of XXXX XXXX XXXX, grant access, obtain account information and obtain account type fees and benefits. It is taking too much time to transition the account and obtain documents requested. The process has been rife with inaccuracies. I have had to file a tax extension with the IRS and will not be able to file the account taxes in a timely manner. The time it took following up to get this resolved was a drain on my time and resources. Much of the time I was unable to reach the necessary parties for extended periods of time. Many inquiries and contact request to a long time to receive a response. To date I still do not have access to my account. 

What happened is the previous trustee resigned and I, the new trustee and beneficiary, took responsibility of managing the trust. 

The company that this complaint is about is First Bank Puerto Rico and XXXX XXXX XXXX XXXX routing number, FDIC Cert # XXXX. 

The people involved are FirstBank of Puerto Rico, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My business suffered greatly due to Covid. My business has been not operating for months now. I called to remove the fees but the agent was only able to refund a few and was unable to refund the entire fees. Please refund the monthly maintenance fee ranging from XX/XX/XXXX to XX/XX/XXXX as I'm financially struggling.
Product: Credit reporting or other personal consumer reports

Dispute 1 Account Number : XXXX. 
Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute 2 Account Number : XXXX. 
Source of dispute information : XXXX Number Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute 3 Account Number : XXXX. 
Source of dispute information : XXXX XXXXXXXX Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes of {$4200.00} in Zelle payments, particlarly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that revering these lost funds would be impossible and that tracking these transactions would not be feasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system. Leaving users like myself vulnerable to scams.It is very concerning that was allowed for such a period.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

To Whom It May Concern : I have filed a Chapter XXXX, Bankruptcy in XXXX of 2017. I have a active mortgage on my home, but did not re-affirm the loan during my filing for bankruptcy. I have continued to pay the monthly payments. My mortgage lender Cross Country Mortgage, has stopped sending me my monthly statements. I have reach out to them continuously for them to start sending my monthly statements. Cross Country states because I have filed bankruptcy, I will not be getting my statements. 

I need to know my loan balance because, my lender has made errors in the past such as applying my escrow payments toward my loan. My home is not in a foreclosure status. My loan payments are only a month in arrears. 

I would appreciate your earliest response to this matter. This situation has been going on for too long, and I need your counsel. 

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

On XX/XX/2021 I sent out dispute letters to XXXX XXXX and TransUnion for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX XXXX and TransUnion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT