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

I have been attempting to get my credit screened for an apartment complex, to which it is being denied as they are saying my accounts are frozen. On Monday, XX/XX/XXXX, I logged into EQUIFAX and removed my freeze and fraud alert. At that point, my account is shown to be unfrozen with no alerts whatsoever. Over the next few days, my apartment complex is still telling me that EQUIFAX is coming back frozen. I called EQUIFAX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to confirm that my accounts are unfrozen with their general customer service representatives. I additionally filed a dispute with their XXXX party company, which also reflected that EQUIFAX as being the issue. XX/XX/XXXX, at XXXX, I called EQUIFAX once again and confirmed with them the my information is up to date and that there is no freeze. The individual mentioned to me that although you may have removed a security freeze from your account online, and even though it shows that your account is unfrozen, it might not be 100 % unfrozen. He connected me with a " Freeze Specialist '' named XXXX who was able to confirm to me that my account was in fact, not 100 % unfrozen, even though through the website it shows as unfrozen. XXXX said that it is EQUIFAX policy that there may be times with additional steps need to be taken to fully remove a freeze. Steps that EQUIFAX does not intend to let their consumers know. XXXX said that EQUIFAX would not communicate the need for additional steps to be taken by their consumes to fully remove a freeze. How else am I supposed to know there are additional steps to take to remove a freeze, when NOTHING WHATSOEVER is communicated in regards to that? If I had not been denied and told my accounts were frozen multiple times my the apartment complex, it would not have led me to continue hounding EQUIFAX to get more information. I do not understand how EQUIFAX can tell you, can confirm to you via phone and on your account, that your accounts are unfrozen, when in reality, they are not actually unfrozen. Unfathomable that they will not tell their consumers additional steps to take once unfreezing their credit.
Product: Credit reporting or other personal consumer reports

Notification of Data Breach and Request for Investigation into Impact on My Credit Report Dear [ Credit Reporting Agency Name e.g., XXXX Experian, XXXX  ], I am writing to formally report that my personal data has been compromised in a recent security breach, and this incident has significantly and negatively affected my credit report. 

I have reason to believe that unauthorized parties may have gained access to my sensitive personal and financial information, including but not limited to my full name, date of birth, address, banking details, and possibly my identification documents. Since this breach, I have observed several discrepancies and unusual activities reflected in my credit report. These include : Accounts or credit applications I did not initiate Hard inquiries I did not authorize Sudden and unexplained changes in my credit score Communications from lenders regarding debts or accounts unknown to me I would like to request the following actions : Immediate Investigation into the suspicious activity on my credit file. 

Correction or removal of any inaccurate or fraudulent entries. 

A copy of my most recent credit report to review the full extent of the impact. 

Placement of a fraud alert on my credit file to prevent further unauthorized activity. 

Assistance or guidance on placing a credit freeze, if necessary. 

This situation has caused considerable stress and has jeopardized my financial credibility. I trust your agency will treat this matter with urgency and diligence. 

Please confirm receipt of this message and inform me of the next steps, including any documentation you require from me to proceed. 



Thank you for your attention
Product: Debt collection

Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three XXXX XXXX XXXX Transunion, and XXXX XXXX to  have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Product: Checking or savings account

This is a followup to the response sent by USAA regarding a complaint filed on XX/XX/XXXX. USAA closed an account for the detection of business transactions on a personal account, and while it is not humanly possible to disprove a negative please follow the following logic : This is a personal account that has received XXXX XXXX  and XXXX  payments and subsequently a XXXX XXXX XXXX payment from the same party. The final dissolution of marriage agreement from XXXX of 2019 specifically designates equestrian expenses for two XXXX  children as an upward deviation in the amount of {$5000.00} per month. This is a clear and specific court recorded use of personal funds from a personal account. The life insurance policy was a payment covering the alimony and the child support. It would follow that these are personal expenses for the minor children, pertaining to properties, activities, and expenses of a personal nature. USAA additionally insured the personally owned truck and XXXX horse trailers. 

While we do maintain a business account with the appropriate XXXXIN number for training and sales of XXXX all expenses relate to the personal farm, vehicles, and horses related to and belonging to the XXXX minor children and former spouse designated in the dissolution of marriage, and the alimony protected by life insurance. 

USAA gave no opportunity to address these issues, and never communicated at any point in their investigation what transactions they were claiming to be business expenses, hence the new complaint. Prior to the CFPB sending notice that USAA had responded to the complaint, there was no opportunity to answer any of the allegations. I would be happy to provide a copy of the dissolution of marriage and the line item regarding personal expenses for two XXXX, and proof of personal ownership of said horses, assets, and farms. 

As stated in the original complaint, he closed account was also the account that received the children 's Social Security Survivors Benefits, and the account that pays the mortgage and insurance on the farm that is currently in probate, personal processes that caused extreme duress and trauma to put into place, compounded by having to navigate those processes again. Most of the accounts have been moved to another bank, on principle USAA should reimburse the fees involved, and rectify problems with credit reporting issues that will no doubt arise from this closure.
Product: Debt collection

This account does not belong to me at all! I co tacked the company and they advised that the account is 4 yrs old and belongs to me! Again I advised the company it does not and to remove from my report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through two letters without receiving any response.

Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within XXXX days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with XXXX there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

XXXX report Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XX/XX/XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also for XXXX which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me XXXX  Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

XXXX PHEAA defaulted my HEAL loans, even though Id been making the required payments based on my income. They told me Id missed payments for ninety days. When I checked, I saw that they were right, but I hadnt received any bills from them, so I asked them about that, and they shouted at me that I was responsible for making payments, regardless of whether they billed me, or not. They sent me to XXXX, the gauranteer of the loan, who paid them off, and then collected from me, based on what I could afford. After two years, they told me my payments werent even making the interest accumulating. I sent them all the required paperwork about my finances, certified, return receipt. They ignored me, and told me that since I had refused to cooperate, they were sending me to DOJ for enforced collection. I told them I had a return receipt that they had received the required paperwork, and the woman shouted at me. Can you afford {$2000.00} per month?!. No. Then youre going for enforced collection!, she shouted. Fine, I said, but I want the letter amended to show that I did cooperate. She agreed, and never sent the letter. XXXX. Can I have these loans considered for forgiveness under Bidens One Time Adjustment? I wrote to DOJ but havent heard back yet. PHEAA was accused of intentionally defaulting students loans in this manner to collect the full fee without having to service the loans. There were class action law suits brought against them for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Product: Vehicle loan or lease

My name is XXXX XXXX and on XX/XX/2019 i financed a car and the next day I gave the sales representative my tag information to transfer to the new car..they claim that its something wrong with the tag and that they have issued a new one and I have to pay XXXX now instead of XXXX.. My tag has been expired since XX/XX/2019 and its XX/XX/2019 and they don't want to issue another paper tag until the situation is resolved I'm ready to give the car back and go to another dealership
Product: Checking or savings account

My business acct, personal, and savings were drained by a hacker of XXXX. Wasn't notified by bank until 2 days later. Was told by my personal banker everything was stopped and $ would be returned. Even wrote it.Wellsfargo says they are not responsible for XXXX {$25000.00} transfers. And I am cleaned out. 
it's all I had XXXX XXXX XXXX
Product: Mortgage

Shelpoint Mortgage Servicing services my loan. 
1 ) Despite repeated requests, they refuse to cancel the PMI on my loan. My home value has doubled since I purchased it. I have overpaid thousands in unnecessary PMI. 

2 ) In XX/XX/year> Shellpoint began a foreclosure against me. They had been refusind my mortgage payments. I can't figure out why they would do that. I was charged @ {$4000.00} in attorney 's fees for a foreclusure that never should have happened and was withdrawn within a month. I am assuming the attorney saw what had happened with the payment refusals and realized they could not proceed in good faith. I asked for an itemization of the attorney 's fees which I was not given. I requested a refund which I was not given.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account Number : XXXX High Balance : {$4200.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Credit Limit : {$4000.00} XXXX-Year Payment History : Late payments reported as XXXX  days late in XXXX, XXXX  days in XXXX, XXXX  days in XXXX, and XXXX  days in XX/XX/XXXX. These discrepancies conflict with my verified payment history and documented bank statements showing payments made well within the due dates for these months. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by 15 U.S. Code 1681e ( b ).

Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i, requiring timely reinvestigation of disputed information.

Reporting inaccurate information violates 15 U.S. Code 1681s-2.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely and accurate billing disclosures.

Non-compliance with 15 U.S. Code 1637 ( b ) for accurate reporting of payment details.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 
Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I found an apartment for rent I was interested in on XXXX. I contacted the apartment and they said it was available but I wouldnt be able to tour in person until the XX/XX/23. XXXX XXXX provided me with a video of the apartment in the mean time. I liked the video and proceeded to apply for the apartment. I went to where the apartment to see that it was a real apartment and a real address but never entered the building because I was told the tenant was still living in the studio apartment. I filled out an application on XX/XX/23 and was told I was approved on XX/XX/23. I received the lease on XX/XX/23 and signed it. On XX/XX/23 {$1200.00} for XXXX months rent and {$1000.00} for the security deposit so it was {$2200.00} total. I received a banking routing and account number to send the money to through Wells Fargo and also received the address associated with that account to process the payment. He said the payment was received and I would get a receipt. On XX/XX/23 I did not receive a receipt so I emailed again and he said he would send it by Friday XXXX. I still did not receive a receipt so I proceeded to send follow up emails. After a couple days I got worried and went to the address to try to speak to someone. On XX/XX/23 I spoke to the super in the building and he told me all apartments were occupied and that there were none for rent. I saw the building information in the lobby and realized it was not the same landlord that was on the lease I signed so I realized I was scammed. On my lease was the land lord was XXXX XXXX but the building is actually owned by XXXX XXXX XXXX XXXX. I reported this to my bank right away but unfortunately they said they couldnt recover the funds. The case number from my chase bank is # XXXX and the trace # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXXXXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Checking or savings account

XX/XX/2021 {$830.00} Unauthorized banking transactions, US Bank decided without our notification or approval to provide us money so we could receive our full stimulus money. Upon giving us money again without our consent or notification, has now taken over {$800.00} of our money away having now left our banking account in the negative which will allow them to take over draft fees at their own convenience further putting our bank account in the negative. We have bills that need paid, we are unable to pay bills and US Bank claims there is NOTHING they can do because they sent out notifications on this. They did not, we did not get any notifications on this matter and we would have certainly not given our consent in this.