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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX, which falls under XXXX  according to Sectioned 605C is effective 30 days after the Bureau issues its final implementing regulations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited actiontothismatter.. I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listedIMMEDIATELY.
Product: Checking or savings account

Ive used Cash app for about 4 years now and Ive always had a few problems with it but as I started to use it more often, I noticed more problems. There would be subscriptions that I never subscribed to taking money from my account day after day and I called a 1800 number and talked to a cash app customer service representative and they told me that the money would be on my account and it never would return to my account. Also I had someone hack my cash app and try to send {$60.00} to a scam account I also reported the account and never heard anything back about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of EDXXXX ) such authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, XXXX Experian on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On the XX/XX/2019. Someone stole my debit card mid night and I was trying to call the number XXXX that they said it XXXX fraudulent number services no one could not respond untill the next day I did check my account online and I found someone doing cash back of total {$1200.00} at XXXX XXXX. And I did file police report and I did file a claim withy bank ( USbank ). And later they reject my case even though I was able to know who stole my card and I had to file a complaint about the person at court also. So I need my money back and let the company take legal action to the person and I will help them get the person.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this debt
Product: Debt collection

I have been dealing with this XXXX XXXX issue since the beginning of XXXX. I received mobile devices and immediately returned them and XXXX XXXX confirmed this. I never opened the devices either. I have constantly received text messages from XXXX XXXX about owing them money. Every time I call them they say they have resolved the issue and they see I never activated the lines, I returned the phones ( because I couldn't port the numbers over from XXXX ), and now as of XX/XX/, I received a collections letter from XXXX ( XXXX XXXX XXXX ) and I contacted them at XXXX, they told me that they needed proof that I returned the phones because XXXX XXXX reported to them that I did not return the phones. I immediately called XXXX XXXX back and was told that I did not have a balance due and they do not show that I have an active account. I gave them all of the information regarding the collection company and also explained that when I log in to my account it still shows I have a balance on an XXXX  mobile account. I have asked for a manager on numerous occasions and I am always told this is resolved. I want this taken off of my credit immediately, I want an explanation of why this was erroneously reported and I also want compensation for this issue as it has caused me a great deal of time and frustration. I called back today and was transferred 4 times and then hung up on. XXXX has never sent me anything in writing at all in the mail. XXXX XXXX has never notified me in writing at all via mail correspondence. They have only sent text messages and I have responded via a phone call or chat to every one of them. No one at XXXX XXXX seems to know what they are doing. I looked at the XXXX XXXX account online today and it shows a report of the return, then it shows a damage charge, Again I NEVER opened the phones, how could they be damaged? I also was NEVER notified. My account which should have not existed was erroneously and wrongfully sent to XXXX XXXX XXXX and they are refusing to accept a dispute at all and want me to supply proof of the return which XXXX fails to provide other than via an email and no one from XXXX XXXX will contact XXXX, they will only transfer me to XXXX.
Product: Debt collection

Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.
Product: Credit card or prepaid card

Hello, I received notification from Chase Cardmember Service on XX/XX/2023 requiring me to respond within 30 days of their letter in regardsto alleged debt in the amount of {$46000.00} for account ending # XXXX. 
Providing me with two options : Make one payment of {$4600.00} by XX/XX/2023 or Make a first payment of {$2300.00} by XX/XX/2023 and a second payment of {$2300.00} by XX/XX/2023. Then the amount of canceled debt will be reported to the IRS. Providing a 1099 Form-C Cancellation of Debt. 
Now on XX/XX/2023 I received notification from XXXX XXXX XXXX XXXX in reference to JP Morgan Chase Bank , N.A . referencing account ending # XXXX. In the amount of {$46000.00}. 
XXXX XXXX XXXX XXXX offering three options:1. Resolve your account in one payment of {$4600.00}. You save {$41000.00}. Resolve your account in 12 consecutive monthly payments of {$760.00} You save {$36000.00}. Resolve your account in 24 consecutive monthly payments of {$570.00} You save {$32000.00}. 

I request to have a full investigation in regards to this account and want verification that this allegeddebt is related to me. 
I am XXXX and with limited income from the government and I hope I am not being targeted because of my XXXX by any financial institution. I have XXXX XXXX and have been dealing with medical issues and do not want emotional stress because JP Morgan Chase Bank is attempting to collect an alleged debt and using a collection agency which I never heard of requesting the same amount in regards to the same account number. I hope this situation has no indication that deceptive practice is being applied to me or any consumer federal law violations. 

I required all original documents and invoices and receipts that related to account numbers ending in XXXX. I also request this alleged account not to be reported to the credit bureaus until the investigation is complete by your agency. 
I have enclosed all supportive documentation from JP Morgan Chase Bank and XXXX XXXX XXXX XXXX. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

Citibank pulled and access my XXXX, XXXX, and XXXX XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. The Citibank inquiries listed on my XXXX, XXXX, and XXXX XXXX credit report is fraudulent and unauthorized credit inquiries. I have not applied for any accounts with Citibank. The credit inquiries arent my credit inquiries. The Citibank credit inquiries are fraudulent and unauthorized credit inquiries. Full Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account that I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX I called the banks and told them that these accounts were opened fraudulently. I never applied. it's fraud. 
Goldman SACHS / XXXX credit card Goldman SACHS XXXX credit card XXXX ACCOUNT XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX  PHOENIX FINANCIAL SERVICES LLC  Permit No  :  XXXX  Type : ADAD Permit Approved Date :   XX/XX/XXXX   Date Last Renewed :   XX/XX/XXXX   PHOENIX FINANCIAL SERVICES LLC  XXXX   XXXX   XXXX   XXXX   XXXX       XXXX      XXXX    XXXX , IN  XXXX  Web   :: www.phoenixfinancialsvcs.com Emai l :  XXXX  XXXX  XXXX  Phone :  XXXX  Toll Free :  XXXX  Fax :   XXXX    PHNX FINAN Your company have vi  olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2  of this title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a  ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   
The reference items are listed below please take this matter very serious PHNX FINAN I   have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act Lit igation, Case No.  XXXX , in the  U.S. District Court for  the  XXXX   XXXX   of  California  Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX Ive spent a substantial amount of time trying to suppress my information and or delete it and also obtain more facts about what is being shared and to whom its being shared with. Ive tried emailing and calling the toll-free number, but I get disconnected claiming they cant find my account. Obviously I dont have an account nor what I want one. 
I do know that my information is being shared and I want to get a copy of what is being shared and what is on the report and also permanently opt out or freeze my information I felt very concerned when theyre asking me very private details about myself in order to opt out Thank you XXXX XXXX XXXX Mo XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, and the XXXX XXXX XXXX XXXX  stating that this item will be removed from my credit, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX
Product: Credit card or prepaid card

Comenity charged me tax on an item. 
I live in XXXX and do not have to pay tax on clothings item less than {$100.00}.
Product: Credit card or prepaid card

Truist unreasonably assessed me a late fee on a credit card that was requested to be closed early XXXX, late XXXX in conjunction with my requests for closure of my checking and deposit accounts. Today, I learned that there was a balance on this credit card that I didn't even know was active- it was only two weeks prior did I receive a card in the mail from Truist - requesting for me to activate a newly issued card. I didn't think much of it, because as expressed with the Truist agent earlier, I have my regular cards I use for daily/weekly expenditures and thought this issuance was a mistake. However, I was wrong, collections called me asking to collect {$75.00} for charges that accrued two months prior from XXXX. I wasn't aware that XXXX was using my old credit card to charge trips on it, because again, I had already submitted a request to Truist for this card to be closed, AND because it would be unreasonable for me to know ALL of the accounts in which a singular card would be tied to, instead of just canceling the payment source; hence this card. 

Also, I find it troubling that I wasn't made aware of these charges until they fell into delinquency and late fees have been assessed. The agent said that I had enrolled into email statements, but I have no emails from Truist indicating a statement OR balance, nothing but servicing/promotional communications. I expressed this to the agent, but was constantly deferred to the Truist platform to update preferences and for some odd reason the XXXX XXXX XXXX - The XXXX & XXXX - but again, how would I know this, and again, why wouldn't Truist make me aware of an obligation to pay nevertheless. I have nothing but servicing and promotional communications from Truist, but no payment due, or no charges notifications in my email. 

After testing the Truist website, i found a screen to update alerts. It is all but confusing and there are one too many preferences to choose from, with no clear definitions of what the options entail OR an visual example for that preference to help ensure intent of selection. How would a reasonable or a vulnerable person be able to intelligibly navigate Truists ' platform and update alerts to get a simple communication letting a cardholder know that they have purchases on their credit card AND that they have a bill due and when AND if applicable, that they are subjected to late fees if they do not pay their bill by X date.

I would also like to know why are Truist 's fees so high and excessive. Truist charged me close to XXXX of the balance owed in late fees and interests. Excessive much? 

Given all of the facts and circumstances above, I wish to have my late fees waived and for my credit card to be closed ASAP as previously expressed. AND for Truist to revisit its opt in/communication preferences platform. Simplicity might be More.
Product: Credit reporting or other personal consumer reports

Ive disputed the XXXX XXXX XXXX XXXX in the past and has been removed but they keep putting back on my Equifax report when this is well over limitations this is an FCRA violation please remove permanently.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.