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

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX , submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to submit a follow-up complaint concerning the account XXXX XXXXXXXX. This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : Experian : XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX : XXXX XXXX Balance : {$48000.00}. I will be updating my credit reports with the three major Credit Bureaus within 15 days, and I kindly request that this specific account be promptly updated to reflect accurate information.
Product: Student loan

My loan servicer, Great Lakes Borrower Services, has engaged in practices that I believe to be deceptive, in bad faith, and of a harassing nature. I recently attempted to re-enroll in my income based payment plan. I received several notifications from Great lakes that my application was incomplete. Over the course or numerous telephone calls I rectified the " issues '' they highlighted with my application. During numerous telephone calls with Great Lakes, I was assured by their customer service staff that my application was complete and that I would not be required to provide any additional information. Shortly thereafter, I received an email from Great Lakes with my updated payment information for the upcoming year. Subsequent to receiving the updated payment information, I have received no less that XXXX emails from Great Lakes indicating that my application is not complete. Today I received a " final warning '' email. After receiving the first few warning emails, I called Great Lakes and, on a recorded line, was able to obtain verbal confirmation that my application was approved and that the emails I was receiving were sent in error. In fact, I received an inbound phone call from Great Lakes indicating the same. Never the less, I continue to receive emails from them on a weekly basis stating that my application is complete. I have given up on calling them to ask that they cease sending these emails as it takes at least XXXX minutes to get a live operator on the phone as every time I am required to re-confirm my address, contact details, etc. For less informed borrowers, these emails would create a great deal of distress and frustration. I think that Great Lakes should be warned that these practices are not consistent with their ultimate goal of servicing the loans of the XXXX of student loan borrowers across our country.
Product: Debt collection

I sent a certified letter to Radius Global Solutions about a debt that was on my credit report that i knew nothing about.
Product: Credit card or prepaid card

On XX/XX/2021, I tried to make a transaction with the credit card on XXXX ( XXXX website in XXXX ). After entry of my credit card details into the website, the XXXX secure was activated. I was transferred to the website of citi ( with a citi logo and progress bar ) saying the transaction is being verified. However, the transaction was declined. 

This is not the first time this thing happened. On XX/XX/2021, I tried this card with XXXX XXXX for an online transaction, same error. 

I called citibank today trying to ask citi to investigate why this would happen, but only got unhelpful responses - customer service agents did not seem to know what had happened, and they were not listening to their clients at all. I asked to speak with supervisor, and was assigned XXXX, not helpful either. Ref no : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX date:XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XX/XX/XXXX Current Reported Balance : {$16000.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

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

I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX XXXX XXXX EquifaxXXXX XXXX
Product: Debt collection

My moms name is XXXX XXXX XXXX! I do not own any of these accounts, I would like them removed. Please help me remove this from my credit because this is holding me back ..
Product: Money transfer, virtual currency, or money service

In XX/XX/year>. I had my info and phone stolen and my cash app was used to send money from my bank account to others. They left my account negative
Product: Credit reporting, credit repair services, or other personal consumer reports

This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX across the board.
Product: Mortgage

We filed bankruptcy in XXXX and XXXX respectively. I filed first, then my husband. The mortgage was not a part of the bankruptcy. We filed bankruptcy due to an overwhelming amount of medical bills not because of erroneous debts. Once bankruptcy filed, Selene took more than 30 days to process a personal check for the mortgage. Prior to bankruptcy we would pay the mortgage over the phone. Once we filed, Selene no longer allowed this payment option. After writing and calling them with no response, we started sending mortgage payments by money orders. I saved every receipt, however my purse was stolen/misplaced and I can't find those. I started paying by certified bank check some months ago. We got a notice that the mortgage was behind, so I had XXXX XXXX XXXX trace the certified checks. Only one or two had been processed and the others, months old, were still hanging out there. XXXX  XXXX XXXX cancelled them and refunded my money and we started paying through automatic bank draft. Those payments are well documented. We are being XXXX XXXX XXXX my Selene to vacate the home so that they can foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fico has just dropped 59 points over night without explanation. I have watched it daily and if it varies by a couple of points down, I will try and fix it to where it doesn't plummet more. It was in the XXXX then up to XXXX then back down to XXXX really without explanation. Bc I have improved with what is on credit report. Disputed things that they flat out ignore. According to FCRA they have 30 days to investigate..max 45 days.. and I have been blown off. No paperwork or anything proving that the alleged accounts are actually mine.. They want you to keep buying products sold on Experian or or XXXX and I don't then my credit score drops 59 points drastically. They add a new debt buyer and a collection account that is not mine. I have asked them to verify debit to send proof of account to me. And I just get " Verification to FCRA standards '' I need more than their word '' I was part of the Big class action lawsuit with one of them and received a check for breach of data and sold my Info.. I can't remember if was all XXXX or just one..I am desperately trying to fix my credit and be a responsible consumer. And when I don't have a narcissistic ex or man to use these accounts and then pin them on me..I am actually very responsible. The dates on these accounts that are in collections and late.. and sold.. payments were made after I left ex and was lied to.. and he tricked me about not filing for divorce for at least a year due to my health. And when I was away..he filed for public notice. He recommended assets and I got these debts I knew nothing about. I know I should have known but most of this XXXX I didn't know that debts existed inmy name. And I never thought he would divorce me n 90 days via public notice. Stating I disappeared. I had no clue that public notice divorce was even legal. It's been very difficult getting my life back on track and trust me I would love to have taken his to court.. I had no money after all this to retain a lawyer to fight for my rights... It is still never ending. Dealing with this XXXX on credit report. Just so I hopefully can rebuild my credit to get housing and a car .... When I have gotten it up to XXXXXXXXI 'm feeling better then it keeps dropping and today XXXX points without explanation.. I'm not dealing with this.. I've had enough.. please please help me XXXX
Product: Credit card

On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?
Product: Checking or savings account

So I had an account with US Bank over 10 years ago. Now in 2017 they are trying to put me into the XXXX XXXX and freeze all my accounts and I owe them {$1300.00}. Im a working man who works check to check and can not afford to have this happen. I was over drawn on the account by about a dollar, and then they charged me a ridiculous amount for the overage charges. Now 10 yrs later after forgetting about it, they are having a legal company contact me and tell me that Im going to get my accounts frozen and I have to pay! US Bank is trying to ruin me 10 years after something that I had forgot about, and for a {$1.00} overage. I am hoping to get This resolved so I either only have to pay what I was over 10 years ago or just not {$1300.00}
Product: Debt collection

Point of Contact - Property manager - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - National Credit System On XX/XX/year> I purchased a home, in accordance to Texas law, since I purchased a home, it would terminate my lease agreement with no consequence. The Property manager denied to do this so I was forced to pay the remaining months totaling to {$1900.00}. Since I purchased a home, I resided in the home instead of the apartment.

Issue 1 - The property manager gave the instruction to throw everything out, items including electronics, clothing, colognes, boots, couch and other items. To make matters worse, he also charged me for disposal of the items per trash bag. I believe the value of these things are probably thousands of dollars. His justification was that the final payment was 2 days late, and he assumed that I had abandoned the location. Even though the eviction process would have started in a later time per the signing agreement. I had also given him communication of the incoming late last payment prior to him making this decision. 

Issue 2 - Per communication with property manager, he stated that there was a balance left even after I paid the final month. He kept the Deposit of {$990.00} claiming that there was damages and requested an additional payment of {$970.00}. He claimed that if I did not pay it he would take me to court and that I would lose.

Issue 3 - I did not want to have the issue affect my credit at the time since I had just purchased a home and was on the way to buy vehicles. I paid the amount requested. 1 year later, I Receive a collection notice from a collection agency of {$770.00}. I contact the property manager and he confirmed this was an error and that he would have it fixed, after many many attempts, he has not fixed this error.

Since I am in the Army, I am required to fix every collection dispute that I might have, I tried resolving it with them, and confirmation they made an error in that, but they did not do what they promised.
Product: Debt collection

After being late a few companies took over to collect debt from me and start to call harassing me about the money owed.
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 XXXXXXXX  ; XXXX XXXX XXXXXXXX ; XXXX   XXXX & XXXX XXXXXXXX ; XXXX/XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy XXXX ;
Product: Credit reporting or other personal consumer reports

This account from XXXX  ( XXXX XXXX ) and XXXX do not belong to me. They have XXXX XXXX on there. My real name is XXXX, XXXX XXXX XXXX and I have my identification to show somebody use my Social Security number and switch my name around XXXX XXXX just got on my credit of XXXX  and it says his account was open in 2020 this is not mines and this is malicious identity theft. They use my name to open up to cell phones, one with XXXX and one with XXXX and its now in collections with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX  XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Funds that have been cleared by issuing bank are not being available to me even after everything has been verified. Instead of putting a hold on the funds, Citibank has frozen the account without a clear explanation after being on the phone for over 4.5 hours and a 1 hr trip to a branch. Supervisor named XXXX at Citibank call center was not helpful, had a hard time understanding XXXX and speaking XXXX which was witnessed by branch employees. When asked to speak to him on a different line to resolve a possible bad connection. Was told there is no other supervisors or lines available. Could not get a clear answer on the issue
Product: Vehicle loan or lease

pay off loan XX/XX/23 have not receive title its been over 2 mo. talk to supervisor XXXX XXXX and other reps.about receiving title westlake financial XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX pay out amount {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with Westlake Financial Services. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me.

All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in the both data breach. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

My credit report has been mixed with someone elses. Her name and my name are similar, as are our SSNs. I know the above information because all of her personal information was on my credit report, mixed with some of my own information. Disputes were filed on my behalf beginning in XX/XX/XXXX. Disputed would be resolved without the incorrect information being removed from my account ; XX/XX/XXXX a copy of all information required by Experian for personal identity verification was sent via certified mail to Experian. Incorrect information remains on credit report. As well, many of my accounts and loans are missing from my credit report. After multiple attempts to get this fixed by all channels available to me, Experian has been no help and only tells me to file another dispute.