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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX , a resident of XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 2. Security Freeze Request : a. 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.

b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4. 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.

5. 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

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. 

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 Bankruptcy discharge : ref # 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 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

According to 15 U.S Code 1666b- Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose. Also it states under this law that I must be notified no later than 21 days before which I havent been or should I say I have never been. According to the FDCPA IM INTITLITED TO {$1000.00} PER VIOLATION! 

this company has been violations many laws and I would like this removed asap.
Product: Student loan

I have tried to get a payment plan set up I can afford and Navient has repeated denied my request and also denied a possible refinance. This has ruined my credit making it more difficult to find additional assistance. 
There has not been any information in detail as to why I am declined any assistance and the calls for collection exceed 10 collection calls per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting XXXX around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX   they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

There have been unauthorized disclosures of my personal identifying information. Amex, XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported me as deceased, I am not DEAD Fix my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in the process of trying to refinance in XX/XX/XXXX that Sandy Spring bank with whom I have a mortgage erroneously reported my account 30 day late. They apologized as soon as I brought it to their attention and sent me a copy of the letter sent to the XXXX credit bureaus. I have been working with Sandy Spring to clear this up ever since. I was told few days ago that it had been fixed and also received a letter in the mail to that effect. To my surprise, I pulled my credit yesterday XX/XX/XXXX and the late reporting is still showing on there hence reaching out to you guys. I've also mentioned to them that I will be filing this complaint today because I have nowhere else to turn. I have not been able to refinance due to the negative reporting and interest rate has gone up exponentially from XXXX when I noticed the late reporting and brought it to their attention till now. I will really appreciate all the help you can render. Thanks
Product: Credit card or prepaid card

My credit card information was stolen on XX/XX/2019. The unauthorized amount of {$230.00} was charged to my MasterCard DoubleCash card on XX/XX/2019. 
Due to the racketeering acts of 'XXXX XXXX XXXX XXXX ' merchant, they refused to show me a proof of receipt with my signature. I did not sign my signature on a receipt for them to charge my card. I filed a complaint with the FTC ref # XXXX on XX/XX/2019. The merchant did not show up to a court hearing. 
I called Citibank and spoke to XXXX XXXX on XX/XX/XXXX and she told me that I was not liable for the {$230.00} charge. After all the information was sent by me, XXXX XXXX called me at XXXX XXXX on Friday, XX/XX/XXXX. She hung up on me after I requested a proof of receipt with my signature. Hanging up on a consumer is unacceptable! I need to receive a credit for the XXXX disputed amount.
Product: Credit reporting or other personal consumer reports

Ive been a vicitm of identity theft in the past as my information as well as other military personnel had thier information leaked online, Ive had extended fraud alerts and credit freezes in place, Yet scammers have been able to open accounts with my information, obtain employment and more in my name.

Ive filed with FTC and signed an affidavit affirming these items are fraudulent, Im reaching out via CFPB and Certified mail to the credit agencies one last time before initiating a law suit for damages.

According to my new legal cousel they have 14 days from today and this report to remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix errors reported to my credit report via Equifax. Since XX/XX/XXXX, I have had to submit 3 separate disputes. However, Equifax 's system refuses me access to view the complaints, yet they continue to report the very accounts I am disputing which has greatly damaged my credit. Every time I attempt to access, the results, I receive a notification stating my information does not match or that there are no results to view. This is now the second time I have had to submit a complaint through the CFPB because I am unable to access dispute results.
Product: Credit reporting, credit repair services, 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 


- XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX Account Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from XXXX. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple XXXX, XXXX, XXXX, and XXXX day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( Synchrony Bank ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my XXXX score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing XXXX offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

We want to file a complaint against XXXX XXXX and Chase Bank due to what we believe is predatory loan & equity stripping. Our home equity is around {$660000.00}. We apply for a home equity loan for {$300000.00} to fix and update our house for 22 years. Here is the offer from Chase Bank XXXX XXXX XXXX. 

" A counteroffer proposal has been given. With a loan amount of $ XXXX. We would pay off all debts on credit reports of {$89000.00} in student loan, revolving, and installment debt. Plus, the current Chase mortgage {$9000.00}. You would receive cash out of {$130000.00} XXXX business days after signing with a notary at your home. '' For your information, our XXXX XXXX as of today is XXXX. I checked it through XXXX XXXX. The fees are ridiculous. And why are they forcing my wife to pay off the college loan? She just graduated last year and didn't work because of her injury and shoulder XXXX. 

We can not accept the proposal. Even before seeking legal advice, we hold the right to decide where to allocate the money we have worked hard for decades. They can not use it against us regarding student loans. Despite that, we are still in a better financial situation than most average households. The student loan is not delinquent at all. The company handling that loan still needs to start the billing. They have yet to require me to pay. 

Our mortgage is almost paid, too. We will not let people dictate where we want to allocate the money wisely. We do not have to proceed with our transactions with them and lose money by being dictated to us this way. We are not desperate. We can continue paying off our mortgage ( around XXXX {$9000.00} ). As far as we are concerned, we own 95 % of this house. We are not new home buyers. 

Respectfully yours, XXXX & XXXX XXXX
Product: Credit card

I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Product: Debt collection

I am reaching out to dispute an entry on my credit report that I believe has been mistakenly or fraudulently reported. According to my recent credit report, there is a debt listed under XXXX XXXX concerning a XXXX XXXX account. I must clarify that this account does not belong to me, as I have never attended XXXX XXXX or any other educational institution that would result in this reported debt. 

**Disputed Account Details : ** - **Collection Agency : ** XXXX XXXX - **Associated Institution : ** XXXX XXXX - XXXX XXXX : ** XX/XX/2023 - **Reported Balance : ** {$580.00} As a retired veteran, any educational endeavors I might pursue would be covered in full by the XXXX. XXXX, eliminating the need for any such accounts or the accrual of related educational debts. Therefore, the presence of this account on my credit report is both confusing and unjust, adversely affecting my credit score and financial standing. 

Given these circumstances, I am requesting : 1. A thorough investigation of the disputed entry, ensuring a review of any associated documentation that XXXX XXXX or XXXX XXXX XXXX have falsely linked to my identity. 
2. The deletion of this incorrect account from my credit report across all credit reporting agencies, should there be no legitimate evidence of my association with the claimed debt.

3. Provision to me of all evidence purportedly verifying my responsibility for this account, if such evidence exists.

4. Written acknowledgment of this dispute letter and notifications detailing the progress and outcome of your investigation.

Please understand the urgency and gravity of this situation. The mistaken debt is negatively impacting my financial reputation, and as such, I request your prompt attention to rectify this error in accordance with the Fair Credit Reporting Act ( FCRA ). 

I look forward to your timely resolution of this matter and thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX is erroneously reporting my creditscore as XXXX when in fact my credit scores are XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) I tried to contact Capital One bank at XXXX and asked to speak to XXXX ( a company that provides creditscore on the Capital One Bank app a lady at a call center answered.Intially, she said XXXX gets info from 3 major credit bureaus, then when I told her what the 3 credit bureaus scores are at this moment, she gave a useless excuse and just hung up. 
She appeared to have no knowledge that XXXX, XXXX and XXXX are the three major credit bureaus. 
Also, she later said do not worry about XXXX, it does not matter. 

Then why is XXXX claiming to give the consumers using CapitalOne bank app their accurate creditscore? 

The incorrect information ( low credit score ) on XXXX must be immediately corrected because it is negatively affecting me as a consumer. 

I request CFB to help me fix the the error by contactingCapital One and XXXX. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have previously reported this information and requested method of verification. I have requested documentation proof of this information being accurate and have not received neither. I did not authorize these inquiries PLEASE remove them immediately. 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 I have not been provided as requested method of verification or documentation that justifies proof that these erroneous accounts are accurate and in fact reporting per FCRA requirements. PLEASE REMOVE THESE ACCOUNTS. 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  EXPERIAN 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 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

Dont have any Knowledge of this account!
Product: Debt collection

{$570.00} credence resource Management LLC is debt collector XXXX XXXX XXXX XXXX is the original. I have filled out tow Fraud packets for this company. But XXXX XXXX XXXX keep switching debt, collectors.