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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

I have some loans I'm paying off through FedLoan Servicing. I have had trouble with their website, primarily having to reset my password every single time I log in. I've logged in dozens of times to check on my progress and make payments and every single time I check my password from XXXX and either exactly type it out as I see it or copy and paste the password. Both scenarios result in the site telling me to reset my password. Every single time. I even try to change my passwords to my old passwords and the site says, " You can't change your password to a previously existing password, '' so I've had about 2 dozen passwords I've had to make and store. I have called their support number at least 4 times and I've been told : " That shouldn't be happening, and you're making a mistake '' " We can't do anything about it, deal with it '' " Wow weird, that must XXXX for you. Never heard of anything like that. '' and " No, we don't have any tech support you can talk to, stop calling. '' I know this may seem like a minor inconvenience but it takes time to fix and is frustrating. I've never had a positive experience with customer support or been given any solutions to my problem. It's really unpleasant to have to take 5-10 minutes to log into my loan site every time I want to check on my debts and I haven't been treated well or had my problems listened to by their support line. Any help would be appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Child support, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked for documentation showing that I allowed them to report our personal engagements on my credit and they have yet to provide. This has deminished my standard of living. Ive even disputed these statements and only received information saying it was accurate from XXXX XXXX XXXX XXXX. This has also impacted my ability to provide for my children due to higher rates on living expenses such as car note, rent and any financing options. I am a XXXX veteran asking for your help.
Product: Credit reporting or other personal consumer reports

At this point I am very frustrated with the credit bureaus. I have been in contact with them for quite some time trying to get errors on my reports fixed and still there are numerous issues that have not been addressed. This is my third complaint and I have also filed complaints with other agencies. They have violated the laws of credit reporting in many different ways. Failing to conduct a proper investigation, failure to provide results of their investigation and failure to respond within 30 days. My credit is suffering due to their lack of accountability on this issue and I am considering legal action against the credit bureaus and the furnishers, which is my right if it is not fixed in 15 days.
Product: Vehicle loan or lease

Im here because I know my rights and Im exercising my rights. On XX/XX/22 according to the truth and lending act ( TILA ) Im not required to put any money/cash down when Im approved for financing but I was forced to do so XXXX $ cash was giving to the finance manager at XXXX XXXX XXXXXXXX XXXX which is a direct violation of my constitutional rights Ive since reached out to the dealership and no response no money back and also my annual percentage rate was changed after I signed the deal which is a direct violation of my constitutional rights under ( TILA ) and my financing agreement was supposed to come with insurance for protection in case of accident which it also did not.
Product: Checking or savings account

Me and other person opened an joint account online with Bank of America. I went in and deposited the money within few weeks of opening the account. The teller told me that funds are not on hold and available right away. within few days Bank of America without any communication or even no notes on my account put a huge amount in negative {$880000.00}. I called them right when I saw it and they told me that this is their code of freezing the account. I spend 2 days so far on the phone with them trying to figure out what is going on, they are not giving me any answers. Today I saw another withholding from my account for {$370.00}. I called them again and they are not giving me any information. So instead of them working and communicating with me about any issues, they are steeling money from my account without any reasons. I need your help to get my money back. This is fraud and scan on their end. I have a small child and they block all my money and I do not know how to survive. Bank of America refuses to release any amount of money. Also, I would like to request they they release all money right away and pay me daily interest on the money that they block. The account number is XXXX.
Product: Credit card or prepaid card

OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX & XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Subject : Non-Compliance with FDCPA by Monterey Collections Details : Monterey Collections has failed to provide complete debt validation as required under the Fair Debt Collection Practices Act. 
Missing documentation includes : Proof of assignment from the original creditor. 
Detailed breakdown of charges. 
Information on whether a 1099-C was issued. 
The company is not licensed in Illinois, where the debt collection is being attempted.
Product: Vehicle loan or lease

Westlake portfolio management is requesting payment to be made without showing any documentation charging unknown fees that I didnt agree to.. changing my loan termt and the amount of the loan as if if I never made any payments at all. Ive asked to see a contract and or the power of attorney. I havent received anything. Ive asked about the warranty and the gap insurance and they tell me that they will not be honoring it. Continues to call and email demanding payments but havent received anything that I asked from them. I would like all of my money back and they can have the car.. if theyre not going to honor the current contract. Made inquiries on my credit report as well.
Product: Debt collection

2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical
Product: Debt collection

On XXXXXXXX XXXX caine and weiner reached out to me by email stating they were a debt collector for XXXXXXXX  They stated they were collecting the amount of {$220.00}. I have never did business nor provided a signature to the debt collector mentioned above. Based upon XXXX XXXX Caine and wiener is not licensed or bonded in the state of Georgia to collect debt. They are reporting on my credit for XXXX, XXXX, and XXXX. I am demanding they have this removed on all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the CFPB as well as the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent items on my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance - XXXX Balance - Medical XXXX Balance {$50.00} Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern at XXXX, XXXX XXXX XXXX. I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. I called Self Lender on XXXX to explain my credit report isn't updated and its holding me back from closing on my 1st home. The rep stated that my account was closed due to non payments. I proceed by saying that's not accurate I paid this account off. The rep went on by saying the last time they reported to all 3 agencies was on XXXX and its accurate, which didn't make any sense to me whatsoever. I went ahead and read my ( Paid ) report to him which was the following ... ALSO ATTACHED A PHOTO XXXX Account Stats : Derogatory ( Last Reported XXXX XXXX XXXX  Account Status : Paid ( Last Reported XXXX ) XXXX Account Status : Paid ( Last Reported XXXX ) ALSO MY XXXX SHOWS ALL GREEN AS PAYMENTS XXXX Payment Status : Current ( Last Reported XXXX ) XXXX Payment Status : Late 60 Days ( Last Reported XXXX ) XXXX Payment Status : Current ( Last Reported XXXX )
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENNSYLVANIA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization related to my consumer information as protected under the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 6802.

As a federally protected consumer, I am exercising my rights to control the disclosure and use of my nonpublic personal information. 

Entities Involved : XXXX, XXXX, EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request applies to any and all written, unwritten, verbal, and non-verbal authorizations provided to you. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this matter.
Product: Mortgage

XXXX issues:1 : US bank told me that interest on my HELOC will be prime + XXXX. This was confirmed via email after the loan amount was changed. However, my HELOC ended up being prime + XXXX. When I contacted the bank, they told me it is because the amount of loan was changed. However, I have an email from them ( please see attachment ) stating that the interest rate will remain the same even though the amount was changed. US bank will not honor their own promise. 
2 : In the closing documents which I signed I was charged a lower amount for the notary than the actual amount. I had to ask for the final document and find out for myself that the amount was larger. They would not honor the document we both signed. I have the documentation if you need them.