23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2015 a freeze was placed on my checking account. The original freeze on my checking account totaled {$320.00}. On XXXX XXXX, I made a debit card purchase for {$19.00} and the bank refused to pay. On XXXX XXXX, 2015 my employer deposited a checking into my checking account for {$1000.00}. On XXXX XXXX, 2015 the bank confiscated my payroll check from XXXX XXXX, 2015, for {$1000.00}. My check was garnished for child support prior to direct deposit from my employer. I asked the bank manager at XXXX XXXX XXXX XXXX XXXX, NC with no resolution on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 thorough phone and in person. Moreover, Fifth 3rd bank did not confiscate monies in my saving account, WHY NOT?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/2024 I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/2024 Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXX XXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/2024. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.
Product: Credit card or prepaid card

I have 3 cards with Barclaycard. Previously they were in good standing however all of a sudden Barclaycard decided to close all my accounts and triple my minimum payments. they have been also adding a lot of extra fees and interest. I am a XXXX XXXX XXXX veteran who has been going through severe medical issues and this company is trying to capitalize on my misfortune. I have been diagnosed with XXXX a severe life long XXXX XXXX that has affected my ability to work full time. 

Instead of working with me Barclaycard pushes my balances higher and higher with exhoirbanant fees and interest. This company is a heartless being. I have repeatedly asked for a lower payment plan and lower interest rate but they refuse. 

Then on top of my medical issues Hurricane Irma hit my area and resulted in damage to my home. Again, no relief from XXXX.
Product: Student loan

I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!
Product: Mortgage

Rushmore loan services is in violation of federal and state regulations regarding loan processing, financial services and real estate procedures. 

At issue is a short sale request that was submitted to Rushmore on XX/XX/19. Rushmore ordered a property evaluation which came back at XXXX. Rushmore is required by law and regulations as the seller to pay for fees associated to a transaction such as taxes, settlement fees, real estate commissions, etc. Fees typically equal about 9 % of the purchase price of a property as commissions alone are 6 %. 

Rushmore is illegally demanding that they only have to XXXX or about 2 % of the purchase price. This is unethical, illegal and in violation of several regulations regarding financial transactions, acting in bad faith and real estate procedures. 

It appears Rushmore is attempting to make such a ridiculous demand so they can illegally violate the CAHBOR which requires lenders and servicers to help homeowners avoid foreclosure. By making illegal and unethical demands they are in fact denying borrower 's right to avoid foreclosure. These violations must CEASE and DESIST immediately. 

Federal regulators must investigate Rushmore to see how many other borrowers are being violated in this manner. This is an outrageous violation of laws and regulations.
Product: Credit reporting or other personal consumer reports

EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family. 
EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family. 
TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( XXXX ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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

Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your guidance and intervention pertaining to a matter concerning my credit report. On XX/XX/2023 I submitted a Method of Verification request to the three major credit bureaus Equifaxunder the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ).

The aforementioned request was prompted by certain items on my credit report that I believe to be inaccurate. Under the FCRA, I have the right to dispute such items and, in turn, the bureaus are obligated to investigate the disputed information within a period of 30 days. Furthermore, if I question the outcome of this investigation, I am entitled to know how the bureaus verified the accuracy of the data.

As of today 's date, it has been 15 days since I made the Method of Verification request, yet I have received no response from any of the bureaus. This inaction is a direct violation of my rights under the FCRA. The FCRA states that if a bureau can not verify an item within the stipulated time frame, it must remove that item from the consumer 's credit report.

The absence of a response to my request implies that the bureaus have failed to verify the accuracy of the disputed items, and as such, they ought to be removed from my credit report immediately. I am kindly asking for your assistance to ensure my rights under the FCRA are upheld and that the credit bureaus adhere to their statutory responsibilities. 

Enclosed, please find copies of the Method of Verification, Original dispute, requests sent to the bureaus as well as the return receipts for your perusal. 

I look forward to your prompt response and appropriate action. I sincerely appreciate your attention to this matter. 

Best Regards, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX ( XXXX ) /Capital One Services , LLC is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with XXXX XXXX XXXX, XXXX ( XXXX ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted XXXX with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Employer - XXXX CENTER Incorrect Previous Address : - XXXX XXXX XXXX, COCONUT XXXX, FL, XXXX Incorrect XXXX : - 1982 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, COCONUT XXXX, FL, XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

I am XXXX XXXX, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against Barclays Bank Delaware ( " Barclays '' ) for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit as an asset to Barclays via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods and services, due to adverse action letter dated XX/XX/ 2022, referenced as Application # XXXX allegedly due to few accounts or insufficient number of credit cards and based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and I as consumer request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions
Product: Debt collection

I want to report multiple violations to my rights as a consumer, that Discover Financial Services is committing. The account that is the following : Account # XXXX, opened date : XX/XX/2016, limit : {$200.00}. This item must be removed from my credit reports, and I am going to explain why. 

Discover Financial Services is committing multiple violations to the California Credit Reporting Act. 
1. Discrepancies across bureaus : - Reporting different last payment activity. 
- Reporting different amount of late payments across bureaus.

- Reporting different account status.

- Reporting different highest balance across bureaus.

- Reporting different date of last payment.

2. Reporting incomplete information : - Missing closed date on a charge-off account. 
- Missing payment history. 

I am demanding a fair solution for this issue. I want a deletion letter and this item removed from my credit report. If this doesnt happen, I am willing to take this case to federal court. I have spent XXXX dollars in legal advise, and Ive been affected emotionally because of this issue. 

Please send the attached documents to Discover Financial Services. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.
Product: Mortgage

I was presented with a Loss Mitigation packet to sign and agree with a notary. I was set up for a Loss Mitigation meeting with XXXX XXXX for XX/XX/year> from XXXX to XXXX am, he never contacted. So, I called Essex Mortgage in XXXX, FL and spoke with XXXX XXXX XXXX very helpful ) with note taking to assure me with another meeting ASAP with a point of contact with XXXX XXXX from XXXX to XXXX on XX/XX/XXXX. The phone call came earlier than original time, I answered the phone call and said hello, she stated her name and said that she is with Loss Mitigation. She then began to say, " XXXX XXXX you are on a recorded line, and you must agree that you haven't made a payment since XX/XX/year>, I retorted " XXXX no, I am not agreeing to that. '' She aggressively said it again " you have to agree that you did not make a payment since XX/XX/year> ''. I again disagreed ; XXXX XXXX stated that " if you want to stay in your home, you must agree that you have not made a payment since XX/XX/year>. I don't have much time left and I have other appointments '' She then aggressively hung up the phone.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reported 5 unauthorized inquiries to Transunion and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both Transunion and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Product: Credit reporting or other personal consumer reports

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 student loans from XXXX XXXX XXXX XXXX XXXX account number XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX account number XXXX with a balance of {$5200.00}, XXXX XXXX XXXX XXXX  XXXX account number : XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX account number : XXXX with a balance of {$3800.00}, XXXX XXXX XXXX XXXX  XXXX acct # XXXX with a balance of {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5200.00}, XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$1300.00} , XXXX XXXX XXXX XXXX  XXXX acct # XXXX with a balance of {$10000.00} XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5700.00}. Accounts from XXXX XXXX acct # XXXX with a balance of {$1200.00}, XXXX XXXX XXXX acct # XXXX with a balance of {$28000.00}, XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3900.00} 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 Criminal Complaint # 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 reporting, credit repair services, or other personal consumer reports

Disputed an account twice with TransUnion and XXXX XXXX XXXX XXXX to correct inaccurate account information. TransUnion responded back to both disputes stating the account is " accurate '' as it and it will be staying on my credit file. My previous auto account with XXXX XXXX XXXX XXXX is closed as of XX/XX/2019 and has a {$0.00} balance. This account is NOT an accurate reflection of the accounts ' true status which is a perfect payment history, paid in full and closed as of XX/XX/2019.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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

This complaint will gon na be my follow-up complaint to make sure that the disputed items that I complain about with my previous account dated XX/XX/XXXX, are verified in my file. I am including them again prior to my previous complaint. 

Please validate the following items : 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