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 resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, 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 : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank reduced my Available Credit Limit from {$12000.00} to {$4000.00} although I have current low utilization, pay on time and been a good standing customer for years. I made a payment for {$8100.00} on XX/XX/2023 resulting in a XXXX balance. Then they reduce by balance by {$8000.00}, it's abuse of power and taking advantage of customers after they pay their bills and handle the credit facility properly. By reducing my available credit limit it immediately has negative impacts to my credit score ; my utilization, for Citi Card, now significantly increased from less than 15 % to now more than 50 % directly attributed to Citi reducing my credit limit by more than {$8000.00}. These credit card companies receive your payments, then just decrease for credit limit, without any reason or justification, which then has an immediate negative impact on your credit score directly attributed to increased utilization directly created by the credit card company decreasing for limit and not increased outstanding balance. These credit card companies abuse their financial power and just cut credit limits without any justification which then has immediate negative impacts to the customer without. Pure abuse of power and financial leverage
Product: Checking or savings account

I went to deposit XXXX dollars into an atm machine at Capital One located in XXXX NY. The atm machine took my money and then displayed an error message and would not give me my money back noR was it deposited into my checking account. When I called and went into the branch to get a credit for that amount back into my account they told me I would have to wait 7 days for a temporary credit while they investigate. My mortgage is due on XX/XX/17 and now I wont have the funds in my account to cover it. It is ridiculous that capital one is making my wait 7 days to get the credit back. It was their faulty atm machine that caused this and my deposit amount is a large sum of money. The branch manager told me to simply just deposit more money to cover my mortgage. I dont have another XXXX simply laying around. Capital one needs to do better with resolving these kinds of issue or maybe update their atm machines so this does not happen to any other person. I feel like they just robbed me of my hard earned money.
Product: Debt collection

XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated. 
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well. 
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had. 
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX
Product: Debt collection

Unfortunately I dont have exact dates as this debt is over 3 years old and is just now showing on my credit report. In roughly 2021 XXXX XXXX took over XXXX home security. I had XXXX for years and went with the company suggested. I had the new equipment installed and never signed a contract. After a few months, I called to cancel the service and thats when the Rep for XXXX stated I had a 3 year contract. I asked for said contract in writing, which I never received. I continually sent notices and requests to XXXX to cancel my service. Now years later I have this negative file on my XXXX account from Zions Debt Collection for {$1200.00}. I have never had a negative file or late payment on my credit report in over 30 plus years. I have requested a signed contract from Zions, which I still havent received. This is a false claim from a company purchasing a debt 3 years old and that was never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX Balance : {$3900.00} XXXX FCU XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$26000.00} XXXX  XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I sent a letter asking Transunion to investigate items that I believe to be inaccurate. I sent another note on XX/XX/2020. As of Today, I have not received a response from them or notification that an investigation has begun.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, and Department of EducationXXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Product: Debt collection

On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name Northstar Location Service is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.
Product: Debt collection

I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX  Credit Bureau XXXX XXXX XXXX XXXX XXXX California XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { Grid money }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ Grid money ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

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

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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, Cashapp failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My complaint is very simple. My mortgage was discharged under Chapter XXXX bankruptcy in XXXX 2011. Bank of America and its subsidiaries continue to pursue collection activity even though I have sent certified mail telling it to " Cease and Desist '' all activity. Most recently I got notice that my alleged debt was transferred to XXXX. This company is a complete fraudulent racket. They provided new mysterious escrow for tax purposes. Under Federal law protection I want all communication to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED EQUIFAX,  XXXX  &  XXXX  AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO EQUIFAX  XXXX ,  XXXX   XXXX   XXXX  ALREADY. I UPLOADED REPORT TO  XXXX  AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXXXXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}
Product: Checking or savings account

My account was put under review I wasn't notified of said review following the end of the review XX/XX/XXXX my account was being terminated but they allowed me to put XXXX Dollars into a closing account XX/XX/XXXX and that they are telling me it is not closed but under review I have documentation of the account being closed and of them telling me it's still under review XX/XX/XXXX and there customer service and banking staff will not tell me anything to help alleviate my financial struggle at this time
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.