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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX XXXX Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX. XXXX XXXXXXXX XXXX XXXX  : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXXXXXX XXXX if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX  XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 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 action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$320.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I purchased a pet online and was promised it but did not receive it as well as they were requesting more money
Product: Credit card

I bought a XXXX XXXX at Best Buy on XX/XX/XXXX for {$690.00} to be paid without interest in one year. I have already made XXXX payments and they are charging me {$13.00} in monthly interest, which should not be the case since it was financed for 12 months. I hope they find out why, just like me, they may be doing the same to many others. 

XXXX XXXX XXXX
Product: Debt collection

I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.
Product: Debt collection

I cancelled a gym membership with XXXX on XX/XX/2020. I received confirmation it was cancelled. Today I received a letter from a Collection Agency stating I owed a balance to XXXX. I asked them what period it covered, because my membership is cancelled. They said they did not know.
Product: Mortgage

We noticed a change in our Credit Score and found a LATE PAYMENT notation. We found it was from PennyMac the company that holds our Mortgage. We logged on to our account and found that the XXXX payment was not applied and had a notation that it was in " Suspense ''. Called to find out that we were short {$14.00} due to a change in the Escrow Account. I asked why they didn't contact us to let us know of this shortage as we could have made the payment to avoid this issue and they couldn't give me an answer, only that they followed the accepted business practices, Of course they kept our money for a whole month before applying the payment. Just think how much interest they must earn when this is a common practice for them. We were in the process of looking into refinancing this loan to a lower rate through the VA IRRL ( this loan is at 4.25 % and we were offered 2.75 % before this happened. We have asked them to withdraw this Late Payment from the Credit Bureau 's and they refused. We had also signed up for Covid Forebearance ( we haven't missed any payments but were paying Late Fees under the 30 day limit ). After his happened they did put the Loan in Forebearance and we do not have to pay the Late Fees ). After researching we found they have a poor rating with the XXXX   and I can understand why. We make all our other payments through our bank using e-bills so they are paid automatically every month. PennyMac does not offer e-bills like all the other Financial Institutions so we have it set up to be paid every month. Evidently we did not notice or see the statement where they had many a change in the payment amount. But the point being is they show very poor customer service in regards to a shortage of {$14.00}. The people who look at our Credit Report will think we missed an entire month 's payment when it was only {$14.00}.
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 COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 88 XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 I have the right to privacy, also according to to 15 USC 6802, No financial institution is supposed to share my information to third party people, my personal informations shall not be shared without my written consent, which I havent given you. This account below is Violating every single one of my consumer rights, informations on the account are inaccurate and I want it removed from my report. 

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

XXXX XXXX XXXX I had XXXX last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XX/XX/XXXX-XX/XX/XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with Carmax Auto and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have worked with the credit reporting bureaus, XXXX, TransUnion, and XXXX submitting two rounds of dispute letters, and successfully removing some inaccuracies from my credit report. However, the remaining accounts are still fully validated, which is incorrect. According to 15 U.S. Code 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such.

These are the accounts that are still reflecting on my credit report that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Block the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}. Please remove this fraudulent account ASAP.
Product: Debt collection

Plaintiff ; Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ; XXXX XXXX XXXX XXXX, Fl. XXXX Case Number ; XXXX XXXX XXXX  ( Filing # XXXX XX/XX/2021 XXXX XXXX ) After documented proof the sole income Social Security XXXX and Veteran Administration 100 % rated service connected XXXX XXXX Veteran Benefits were both Federally and State of Florida protected from collections went vehemently ignored. Discover perpetually advanced collections with terminal disregard for formal procedural law and refuses to respond acknowledgement of any and all defense when every contract application has two ends not only the creditor as they intend to force in litigation in willful and wrongful violation of formal law. 

When debts are to cater to a given religious theory which deviates from formal law and judiciary caters to any religious movement debts are moot when the debtor is not of that given religious movement. Whereas, it's rules only apply to those of the given religion, no religious tyranny is even conceivable as absolute and final when the action attempts to supersede citizen protection procedural formal law. 

Discover Credit Card Bank after the better part of five years attempted to force collection with unsurmountable phone calls, reminder and warnings in letters of collection demands with added fees. Then issued a Broward County Florida Civil Small Claims Court procedure menacing and harassing the cardholder without restraint against tax exempt Social Security and XXXX Veteran Benefits with a tyrannical disregard for Federal and States of Florida Consumer Protected from collections funding. While demanding payment willfully superseding formal procedural law. Then in a Final Judgement managed to attach a 20 year demand with warning of added fees, penalties and taxes if not paid in gouging causing health care complications and compound XXXX XXXX XXXX XXXX XXXX XXXX Veteran Administration Mental Health outpatient with disregard for further mental harm they are perpetrating. All previous complaints about Discover at CFPB were closed without Discover directly answering the given complaint as they circumvented reasonable response as if only their side mattered moving against procedural law. When no action was taken for remedy and acknowledge withdrawal of the collection demand to comply with Federal and State of Florida protected from collections income in violation of formal procedural law. 

I move to have this complaint advanced to Criminal implicating Discover is in direct violation of Florida Statute XXXX ( Prohibited debt collection practices generally ) And Discover is in vehement and willful violation of The Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are the list of fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I made a mortgage payment on XX/XX/year>. It was applied on XX/XX/XXXX. Now Rocket Mortgage is saying that the payment was not made. This company told so many lies to get my business and has done everything after getting it to destroy my credit and I think they would like for me to foreclose on this home. They are disgusting and it never fails every few months they gone with something different. I have never done business with any company more wicked than them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 
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
Product: Payday loan

XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 a personal loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was billed for a deceptive offer on line and was offered a gift for taking a survey for a department store I frequent. The offer was for product with only shipping charges and I submitted my master card #. My statement reflected those charges on XX/XX/2017 but also to my surprise on XX/XX/2017 there were XXXX charges from the same company reflecting full price for product. I contacted my bank Santander XXXX card and they immediately cancelled card and issued a new one. Dispute was sent to fraud dept and in XX/XX/XXXX received a follow up letter stating we are denying your claim and to contact the merchant directly. When I contacted fraud dept, I was told that there was no fraud since I submitted my credit card #. I then contacted XXXX, company that submitted charges, and was told to drop the dispute and they would refund my account but my bank had to contact them by phone or mail to confirm that I no longer was disputing charges. When I called Santander I was told that was not their policy and would not contact XXXX and I was on my own. When I called the merchant, I was instructed to E mail bank letter and a letter stating why I was disputing the charges and a Refund Transaction ID would be sent to my bank. There was no credit following statement so I called Support XXXX was told that no credit would be issued since the bank did not consider fraud and would n't contact them by phone or mail. 
I have contacted Federal Trade Commission to inform of these charges and was issued a reference # for my case. I was also given a telephone # for your agency and dispute how the bank was negligent to pursue my dispute and how I was brushed off also by the local bank manager at my l bank in XXXX Ma. The RED FLAG for the fraud dept was clear since what merchant bills for shipping charges a month before the product charge. I would hope for Santander XXXX MasterCard to know that I am disputing and unhappy as to how they treated me to handle this on my own. I have stopped using card for any purchases and wont cancel till this matter is resolved by Santander and XXXX. I hope to hear that the bank has been notified about my complaint thru your agency.
Product: Checking or savings account

Today I received a statement from US Bank concerning an account being closed on XX/XX/2024. I then called the help line for US bank and they stated the account was opened on XX/XX/2024. I informed them I did not have any knowledge of this account. They made note of this. They also informed me to freeze my credit and file this report. It is strange because there was no money transacted during the 8 day period that the account was open. I had no knowledge of this account.