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 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA 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 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 : 6. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX. Security Freeze Request : o 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. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
8. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

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

o 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 or other personal consumer reports

XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX  accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
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. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXXXXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX has all 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

I 've noticed a address on my credit report that does n't belong to me nor have I ever lived at.
Product: Credit card or prepaid card

I have no knowledge of this account and i could not get the company to prove to me how was this account open
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted disputes regarding inaccurate information on my credit reports to [ list credit bureaus, e.g., Experian, XXXX, XXXX ]. Despite the required 30-day investigation period outlined under the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  - XXXX o Incorrect account status o Included in bankruptcy XXXX. XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history o Account included in bankruptcy XXXX. XXXX  XXXX - XXXX o Incorrect payment history/rating o Incorrect credit limit/high balance o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Incorrect account status o Incorrect amounts ( other than balance/past due ) o Not a collection or charge-off o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Included in bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history/rating o Account included in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

I am currently banking with US BANK Ive called several times to remove my overdraft protection & I keep getting over draft fees. Everyone Ive spoke to tells me something different about their overdraft fees and that I am not enrolled in overdraft protection. I have hundreds of dollars in fees for something that I shouldnt have
Product: Mortgage

After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and notice unauthorized inquiries from capital one auto finance and XXXX. I recently applied for a credit card with capital one and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported fraud on my credit. Experian closed my dispute stating the account belonged to me. I have no knowledge of account. Im a victim of identity theft and provided supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, at XXXX XXXX I called Equifax to speak with a representative about a paid off collection that appeared on my report. The representative hung up in my face without allowing me to speak with anyone else. In addition, they claimed to not be able to verify my identity when multiple times I have verified via their identity system. Its upsetting as I am in the process of buying a house. The staff rudely hung up in my face. The credit bureau is reporting paid off balances & collections that were never in collections. I am frustrated as I have never received a follow up call from the bureau or anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX  Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.
Product: Prepaid card

On XX/XX/year> I checked into XXXX XXXX XXXX  IL I was charged {$130.00} plus a {$100.00} hold I was told by the hotel manager  that they will release my hold immediately at checkout and my financial institution may take 5 to 10 business days to return my hold to me on XX/XX/year> I checked out and received a final receipt for a total of {$130.00} and the hotel verbally confirmed they released my hold I waited on XX/XX/year> I reached out to Cash App support to tell them they still had my pending total wrong I sent them a copy of the final receipt they refunded me {$0.00} on XX/XX/year> I reached out again by phone and I was told they needed the final receipt from the hotel showing my actual total I sent that in an email I was then told they needed that receipt to show the company header and the final balance my card was charged by the hotel I reconfirmed to them that all of that was in the email I sent she then said the email came in XXXX different screenshots and she needed it all in XXXX so I immediately emailed them a copy that had all the requested information again and this time in XXXX picture I got an email back stating they dont currently monitor the email and I should reach out through the app so I went back to the previous email and yet again for a XXXX XXXX time sent the final receipt on XXXX page showing my total balance at checkout was {$130.00} XXXX received no reply its now XX/XX/year> and the balance is still pending on my card for {$230.00} XXXX business days after the inial charge
Product: Debt collection

A debt I paid the people are tying to collect they refuse to stop calling me at home and at work and they are going to sue me. I told them to please stop calling me that I ma not paying them and I dispute the debt and XXXX ( collection person ) said we will do whatever means necessary and until we sue you we will not stop. This is their number they called from ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX KY XXXX To Whom It May Concern, Experian XXXX disregard of the law. I told Experian these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Experian refused to remove inaccurate and fraudulent information from consumer report. My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items below DELETED from my credit reports effective immediately. The FCRA does not stipulate 2 years however it does say up to one year. Law always trumps your policies or guidelines. I did not authorized these inquiries : * XXXX XXXX  XX/XX/XXXX, and XX/XX/XXXX *XXXX  XXXX  XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Deleted and {$8000.00} monetary damages per violations of the Fair Credit Reporting Act Experian violated the consumer eight times with 15 USC 1681b - Permissible Purposes CFPB please make them comply to the Federal Law.

FCRA 616 Civil liability for willful non-compliance FCRA 617 Civil liability for negligent non-compliance
Product: Debt collection

The Original Creditor & Collection Agency both are trying to collect on same account
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XXXX XXXX I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX  Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT 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 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 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

Please see attached!!!!

I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law.

Attached you will find : Letter from the University Letter to the bureaus DL ( Identity Verf. ) Utility Bill ( Identity Verf. ) Picture of Account in question I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My Exeter Finance and XXXX XXXX Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 has violated my rights. 

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

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

I am writing to formally dispute the authenticity of the referenced account, which appears to have been fraudulently opened in my name without my consent or authorization. Upon reviewing my credit report, I discovered these accounts, of which I have no knowledge or responsibility, and I suspect it to be the result of identity theft. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), as well as the relevant Consumer Laws and XXXX XXXX laws. In accordance with these laws, I hereby request a comprehensive and expeditious investigation into this matter to validate the legitimacy of this account.
Product: Prepaid card

I received an Amex XXXX XXXX. I can check the balance using https : //balance.amexgiftcard.com/account. I tried to use this on XXXX ( using {$1.00} less than the face value of the card ) and the transaction was declined. I have also tried a similar process with XXXX and at XXXX at amounts less than the full face value, but every time it is declined. This is a widespread problem that is rightfully leading people away from Amex gift cards.