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

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I am a human being. I am a living human being. I have rights under 15 USC 1681. 

Equifax XXXX and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the CFPA - Consumer Financial Protection Act. Specifically, Cashapp ( Block , Inc. ) failed to take timely and effective measures to prevent and fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA - Electronic Fund Transfer Act and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these multiple violations.
Product: Money transfer, virtual currency, or money service

Im trying to link my XXXX card to my checking account and they won't link. Please fix this thank you
Product: Student loan

I tried changing my autopay from {$1000.00} to {$530.00} ( the minimum ) using the online system approximately two weeks before it was due. It wouldnt let me change it from a specific dollar amount back to the minimum payment so I had to change it to {$530.00} in order to get the system to process it. There was no indication that it processed my request and no confirmation sent to me, however it appeared as though the system was receiving the request. The system still showed a payment coming up on XX/XX/year> for {$1000.00}. I checked in a few days later and it updated to show {$530.00} would be debited on XX/XX/year>. On XX/XX/year>, {$1000.00} was withdrawn from my account. I called Sallie Mae on XX/XX/year> and was told that the autopay takes an entire billing cycle to update, even if I delete autopay all together and set it up. This is unacceptable because an online system like this should be able to process changes quicker than an entire month. I planned on using this money for the down payment on my new house in two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
Product: Credit reporting 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. 

Account Name : DEPTEDXXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account that is opened on my account using my information that I have no knowledge of it has since dropped my credit score by XXXX points and Im trying to fix this before it gets any worse
Product: Debt collection

Earlier this year, Capital One and their lawyers XXXX, XXXX, XXXX  XXXX, XXXX filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be removed
Product: Bank account or service

I was formerly a Scottrade customer and former college intern at the XXXX XXXX Scottrade HQ. I am writing this complaint to express my dissatisfaction with Scottrade 's customer service. 

Specifically, as an intern I witnessed Scottrade management specifically instructed Scottrade employees not to help customers who have been the victim of hacks, are complaining about fees, or have complaints that require a " significant amount of resources ''. This corporate culture rubbed me the wrong way and I chose not to continue my internship at Scottrade and would advise others not to conduct business this this company. 

In regards to my Scottrade account, a Brokerage Account and a Bank Account, I closed them after taking my leave and moved my money elsewhere. However, recently, I was informed by Scottrade ( no differentiation between whether Scottrade Brokerage or Scottrade Bank was the entity ) that my personal information was exposed in the recent Scottrade hack. 

I written to Scottrade 's customer support and have not received a response. My concerns are as follows:1. ) Scottrade 's instructions for getting identity theft protection services do not work. Specifically, the phone number Scottrade provided did not work. 
2. ) Scottrade will not respond to my complaints or provide any explanation about the hack. 
3. ) Scottrade will not provide an explanation of whether Scottrade Brokerage or Scottrade Bank was effected. 

In light of the above, I believe Scottrade is trying to " short cut '' and " down play '' the seriousness of this hack in order to avoid having to spend money and resources on treating customers right. 

As a former customer who had his data released as a result of Scottrade 's incompetence, I would like Scottrade to respond.
Product: Mortgage

NOTICE OF ERROR/REQUEST FOR INFORMATION Initially I requested a loan pay-off for my investment property. 
I made the request on XX/XX/2022. To date, I have not received a loan pay-off. Under 15 U.S.C. 1639g, A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. 
I'd planned to refinance this loan but this company 's ( Statebridge ) negligence in furnishing the requested documents has caused me a delay.
Product: Credit card or prepaid card

On XX/XX/2014 my bill for account COMENITY BANKXXXX ( opened XXXX XXXX, 2014 ) did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX. This account is also reporting a balance of {$1200.00} which is illegal and inaccurate because this account is still reporting a balance as if the account is still open. It is also reporting as a collection every month from XX/XX/XXXX to XX/XX/XXXX as if the account is open. This account is also not reporting any information for XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : 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

Medical debt under {$500.00}, should not be included on my credit report. 

Reported this to XXXX and XXXX, yet the creditor is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint with CFPB on Equifax. The complaint number was XXXX. I received an email response from CFPB on XX/XX/XXXX that Equifax was still working on my issue. Equifax emailed status updates and the completion of all 6-7 disputes that I submitted. All disputes were closed and completed in 1 day or the same day it was submitted ( see attachments ). The disputes were closed XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX when Equifax representative advised CFPB representative that they were still investigating my disputes. XX/XX/XXXX, I received an email from CFPB that my complaint was closed due to the to the request of Equifax advising that they would respond to me via mail. 

This is my second time I have returned for assistance from CFPB within 2 weeks. Unfortunately, I am unable to get any resolve with my issue with Equifax. They lied to CFPB that they were still investigating my complaint to have it closed. They are very intentional with being unavailable to help or assist consumers. This behavior is unacceptable and not tolerable. 

My credit score has been impacted significantly and created a hardship on my family. There is a bankruptcy listed on my credit report under Public Records that should not be on there at all. There are several payments that ONLY SHOW THE SCHEDULED PAYMENT BUT IS MISSING MONTHLY PAYMENTS AND THE ACTUAL AMOUNTS THAT WERE PAID. I have never missed a payment and pay a lot more than what the minimum is and its not being reported. Both of which effect the credit score. I have a small business. I was denied business loans because of my credit and debt to income ratio, denied two mortgages, job opportunities ( Tax Auditor with Government ), and high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$4400.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$730.00} Closed XXXX XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3300.00} Needs Attention XXXX Reported : XX/XX/XXXX +  {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XXXX ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Debt collection

my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I went to my Credit Union, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida to complete a {$20000.00} wire transfer to XXXX XXXX, a XXXX XXXX XXXX in XXXX. This was a favor to my sister who owns a XXXX XXXX XXXX in XXXX. I was advised by the banker it will take 2 business day. I received additional request from my bank for additional documentation and explanation, which I supplied. I was told a day after I supplied the additional documentation by my credit union rep that the benefuciary 's bank has the funds ( XXXX XXXX XXXX in XXXX ). When the recipient when to his bank on a number of occasions, it was discovered that an intermediary bank, XXXX XXXX XXXX is sitting on the funds. Additional follow up inquiry with my credit Union revealed the following : My credit Union completed the wire through XXXX XXXX XXXX XXXX used XXXX XXXX XXXX for the international wire XXXX XXXX XXXX uses XXXX  XXXX XXXX XXXX to to send the funds to XXXX. 
The funds were never delivered I requested a refund on XXXX. 
I received a Western Union correspondence through my credit Union that the request for reversal was submitted, it will take 10 to 12 days.

My main concern is, since the funds as confirmed by Western Union through my credit Union was never delivered, why is any bank involved in this transaction still sitting on my money? 
Secondly, this is mo ey from my HELOC and I am accumulating a daily interest charge close to 3 percent. My Credit Union, Western Union or XXXX XXXX  has to be responsible for this interest accumulation because I paid a fee or a service they did not perform withing the promised time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states : I have the right to privacy. 

15 U.S.C. 1681 section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.
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 inquiries 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 EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

How I have been trying get this resolved for 5 years I recently sent in a ftc report to captial one they have work on timely matter to help me and delete the tradeline that Im not responsible for. Account number XXXX
Product: Credit reporting or other personal consumer reports

Santander consumer USA RE : Intent to file lawsuit, no response for Validation documentation. 


Account # XXXX Balance {$20000.00} To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Mortgage

XXXX XXXX XXXX is soliciting mortgage loans when she is not authorized to represent anyone. She is on XXXX stating delivering gifts to realtors, soliciting for mortgage loans and talking about Envoy Mortgage. She is also on XXXX soliciting business and even has a XXXX XXXX - Envoy Mortgage page.