23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX , OH XXXX
Product: Prepaid card

I was given an American Express Virtual Gift Card last year and I have been unable to use this card anywhere, online or in stores. Today, XX/XX/2023, I tried calling the number on the back of the card and this number gives you 4 choices to choose from and I chose all of them and was never given the option to speak with someone. This number would give you recorded information and then hang up. I looked online and received another number, called that one and the gentleman I got on the phone, gave me another phone number that directed me to the same recording as I got when I called the number on the back of the card... This happened twice. No option to speak with anyone. I am able to go online and it shows I activated the card in XX/XX/2023 and it has a balance of {$100.00}, which is what my employer gave me as a gift. I just wanted to know how to use it, because I have tried several times with no success. After reading comments online, I decided to contact someone, because I am going through exactly what others are describing...
Product: Student loan

I have been attempting to make payments on loan sequence 3, the company will not work with me in reference to getting an affordable payment. AES continually says they are reaching out to XXXX with no response, in the waiting period it is destroying my credit because they have not been working with me to accept an affordable payment. I have been trying to get an affordable payment since XX/XX/2017. I have called numerous times and send in letters. The managers from AES never call me back. I am looking for help.
Product: Checking or savings account

I placed a request on CashApp for a new card on XX/XX/23 at approximately. To avoid it taking 14 days to be shipped, I paid the {$15.00} to have the card shipped within 2-4 days due to me going back out of town for business. Due to their system problems, the system canceled my payment for {$15.00} and shipped the card stating it will take 14 days. I have talked to people claiming to be managers and when I refute their status and ask to verify management status, the employees would disconnect the call.
Product: Credit reporting or other personal consumer reports

Account Numbers : XXXXXXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.
Product: Mortgage

I have a PenFed Credit Union Heloc coming due on XX/XX/. PenFed suggested I apply for another Heloc to payoff the current Heloc so I started the process immediately. 

The new Heloc application was started on XX/XX/, and I sent over the necessary documentation to PenFed on XX/XX/XXXX. 

The processor had the properties listed on the application wrong, causing several delays on PenFed 's end. I explained she had them listed incorrectly and she told me on XX/XX/XXXX, not to send anything else over and that her and her team have it handled. She said she would be in touch with me the following day, and I never heard from her. I then tried to contact her and the management team, several times, and no one would call me back. She FINALLY emailed me on XXXX XXXX this type of delay is unacceptable, considering the position she's putting me in. 

I talked to my loan officer today, who said this loan should have been done and completed on XX/XX/XXXX, it's now XX/XX/XXXX and I still don't have an approval. 

This is extremely concerning to me- my credit scores are XXXX, I am more than qualified for this loan. If PenFed Credit Union does not close this loan on time due to their lack of communication or response, I'm at risk of foreclosure, and my credit will be destroyed. 

I ask that this issue be escalated - I'm beyond frustrated at the lack of communication and consumer care when I have been responsive and diligent. If you want details, I have everything documented, all emails saved, and a timeline prepared. I was told over the phone with the CFPB to keep this commentary concise and brief.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX, XXXX Accounts : - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX- Please update my report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I had a late payment in my Credit Report due banking error in my bill pay, I called the lender to explain them and they requested proof. BMW had told me that if I could get a letter from the bill payment company detailing their error, BMW would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The account involved is the following : Account number : XXXX
Product: Credit reporting or other personal consumer reports

I had an inquiry on my credit report from JPMCB credit services in XXXX that I did not apply for. I called them and let them know that this application was fraudulent and they told me that they will cancel the application as fraudulent. I also contacted XXXX, XXXX, and XXXX and let them know about the fraudulent inquiry and that I want to put a freeze on my credit.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally lodge a comprehensive complaint against Ally Financial for their role in the unfair and deceptive practices during my purchase of a XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX  Misrepresentation of Loan Terms : Ally Financial processed and approved a loan for my vehicle, which I believed to have an interest rate of XXXX  % based on the initial invoice contract dated XX/XX/XXXX. However, upon receipt of my first billing statement, I found that the interest rate was substantially higher, at XXXX  %. This discrepancy has resulted in a significantly increased financial burden and inflated overall cost of the vehicle. 

2.  Inconsistent Financing Terms : The terms of the loan presented to me were inconsistent. The initial invoice contract stated the price and financing terms clearly but did not mention any stipulations related to arbitration. However, the subsequent Retail Installment Contract signed on XX/XX/XXXX, introduced an arbitration clause, significantly altering the terms to my disadvantage. This change was neither clarified nor adequately explained to me. 

3.  Undisclosed Relationships and Potential Kickbacks : I have reasons to believe that Ally Financial and XXXX XXXX XXXX may have a pre-existing business relationship, possibly involving kickbacks or incentives, which was not disclosed to me during the negotiation or finalization of my vehicle purchase. This lack of transparency raises concerns about the fairness and legitimacy of the loan terms and interest rate. 

4. Noncompliance with TILA : Ally Financial 's failure to accurately disclose the terms of my auto loan, as well as their potential noncompliance with the arbitration disclosure requirements, may constitute violations of the Truth in Lending Act ( TILA ). TILA mandates that lenders provide borrowers with clear, accurate, and meaningful information about the cost and terms of credit. 

These alleged malpractices by Ally Financial are not only detrimental to me but also potentially harmful to a wider consumer base. I, therefore, appeal to the CFPB to exercise its authority to investigate and rectify these injustices. 

Thank you for your time and consideration. I am confident that the CFPB will uphold its commitment to consumer protection and ensure fair practices in the auto financing industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Product: Debt or credit management

Paid for a membership in XXXX XXXX XXXX. The company did absolutely nothing to improve my credit score or dispute any items. They are quick to blame their clients for their situation, which is unfortunately true. BUT that is the reason I hired UFL. They never respond to emails or messages. It is now impossible for me to log in and review my messages that I sent. I doubt UFL will post them in their entirety here. The owner loves to XXXX  people on social media such as XXXX who complain about their services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Credit Bureaus need to update my personal information to reflect ONE name and ONE Address. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York , XXXX ALL other version is NOT me or mine and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note 15 U.S.C 1666B stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i sent a letter regarding inaccurate and undisclosed things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress your causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX Unauthorized inquiries 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 or other personal consumer reports

In XXXX i did a dispute with Equifax after noticing incorrect information on my consumer report. In XXXX i did a complaint with the cfpb and Equifax response was to give them 60 days to complete the dispute. I sent in my identity fraud report but still have not heard anything from them other than for me to verify my identity which I've sent in my license, social security card and a utility bill. It's now XXXX and i still have no results in correcting my file. This is my last resort before i take legal action. I have a right to have a correct consumer file and it should have only taken 30 days as permitted by law.
Product: Credit reporting

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX EXPERIAN CREDIT AGENCY XXXX XXXX XXXX XXXX, TX XXXX. XXXX CREDIT AGENCY XXXX XXXX XXXX XXXX, PA XXXX. To Whom It May Concern : I recently received a copy of my Experian Credit Report and XXXX Credit Report and I noticed that LATE PAYMENTS and CHARGE OFF from XXXX XXXX is still posted on my report : XXXX XXXX ACCOUNT # XXXX. Your company is in clear violation of the law. Under 15 USC 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain information in consumer reports, including accounts that have been CHARGED OFF or placed for COLLECTION. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX XXXX ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Both agencies have violated the laws and is reporting this account on my credit report. EXPERIAN CREDIT AGENCY AND XXXX CREDIT AGENCY is not providing accuracy. XXXX XXXX XXXX has DELETED this account from my credit report. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three CREDIT AGENCIES are to provide the same information on my credit report. DELETE THIS XXXX XXXX ACCOUNT # XXXX. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

IQ Data Int'l received a debt collection from an apartment complex in Arizona, in which my daughter resided. I had retained counsel to get out of the lease and the apartment complex sent a collection in the amount of {$5500.00} for early termination of a lease. They subsequently sent it to IQ Data Int'l who then tried collecting the above debt. I hired another attorney and a settlement agreement was signed on XX/XX/2023 holding me harmless of any of the debt mentioned above and in said settlement ( attached to this complaint ) on page 2 they were to remove this from my credit report within 30 days of the XX/XX/2023 agreement. Well, it's not removed and IQ Data Int'l will not talk to me ( they have hung up on me twice ) and state that they will only talk to my attorney ( which is costly ), and they refuse to remove it from my credit report. 

This is affecting my licensing renewals in two state within the XXXX XXXX, and they are costing me money every time I talk to and/or email my attorney. This is ludicrous and I need assistance asap as I am now losing income as well.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney.

In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX XXXX XXXX XXXX that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX has account that should not appear on my credit file