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

Request for Security Freeze on Credit Report To Whom It May Concern : 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 XXXX XXXX of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : 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 XXXX
Product: Credit reporting 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 filed chapter XXXX bankruptcy in XXXX. Experian Credit Bureau is allowing XXXX XXXX and XXXX XXXX XXXX to report fraudulent information towards my credit report. The XXXX XXXX account number XXXX reported a failure to pay in XXXX. XXXX XXXX was included in the bankruptcy. Payments were made to them starting XX/XX/XXXX and the account was paid off XX/XX/XXXX. First, how can I have failed to pay in XXXX, when the account was paid in full with interest in XXXX? Second, it 's my understanding that when accounts are in chapter XXXX bankruptcy, there will be no negative marks against them. In addition, I have XXXX accounts with XXXX XXXX XXXX that were XXXX also included in the chapter XXXX bankruptcy which was filed in XXXX. But, in XXXX, both accounts have a failed to pay mark against them. This failed to pay mark was done after I filed the bankruptcy. Of all the accounts I included in the bankruptcy, only XXXX XXXX and XXXX XXXX still exist of my credit report. Why is this? The bankruptcy is public record and had Experian verified this fraudulent information, I would not be going thru this. When my Experian credit report is pulled, it states that I have serious delinquency and time since delinquency is too recent. I have several accounts opened and closed right now, where in over about 18 months, I have not missed or been late on any payments. These negative marks have caused me to be denied credit and I 've been charged outrageous interest rates. In addition, there is an account with XXXX XXXX XXXX XXXX my credit report. This is not my account. Again, had Experian verified the information they receive, this account would not be on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My client, XXXX XXXX XXXX XXXX is a victim of identity theft and fraud perpetuated by his father XXXX XXXX XXXX XXXX XXXX of the fraudulent accounts is a credit card issued by PNC Bank which has charged off and resulted in a derogatory entry on my client 's credit report. Despite multiple dispute letters, to date PNC has refused to conduct a fraud investigation, refused to provide any account related documents and refused to remove the entry from my client 's credit report and, instead, is holding him responsible for a debt that is not his. A Limited POA and copies of all previous correspondence are attached.
Product: Student loan

I have been in contact with MyFedLoan regarding my loans and the TEPSLF program for over 8 months and nothing has been resolved. I have over 3 years of payments from a previous loan servicer ( XXXX XXXX ) that would qualify as a 'qualifying payment ' under the TEPLSF program, but MyFedLoans is not counting them because they are in a " pending manual review '' status. I have been requesting them to review these paymentss since XXXX and nothing has been done. I just keep getting the run-around from customer service. If they would just review these payment, I know I would qualify for loan forgiveness.
Product: Credit card or prepaid card

In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.
Product: Debt collection

THIS IS MY FINAL WARNING PLEASE REFER TO UPLOAD. 


I OPT OUT OF THIS COMPANY REPORTING ON ANY OF MY CREDIT REPORTS. I want them to delete/ remove this account with all reporting agencies. 

Also listed as the following company XXXX XXXX XXXX XXXX credit report. I opt out of this company reporting as well. As it is the Mother/Sister company for XXXX at XXXX XXXX XXXX XXXX 


Also this account is reporting under XXXX XXXX, and my Name is Clearly XXXX XXXX XXXX. Attached you will find my Drivers License. To support my claim.
Product: Mortgage

Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX
Product: Mortgage

In XX/XX/2020, I started the re-fi process with AmeriSave Mortgage Co. 
It has been a nightmare of stress and lies. 
This company charges upfront fees. 
They also don't let u shop around for services as they source out to their affiliates. 
But I did not know this initially. 
I was told we would close in 8-10 weeks.

My original loan officer disappeared ( XXXX ) after about 1 month. I never heard from him and after calling a dozen times and NEVER being able to speak to a live person ( in various departments ) for weeks, I was finally assigned a new loan officer. 
I have submitted and resubmitted the SAME paperwork 4-5 times. At some point this loan officer went AWOL for about a week and I again could never get in touch with a living person on the phone not did anyone return my calls. He came back, claiming he had oral surgery. 
They lost my files about midway. They took SO long, losing papers and basically being incompetent, that they had to pull our credit AGAIN b/c it expired. 
They also too SO long that the appraisal expired and they r trying to charge me for a second. 
Since XXXX, I'm told that we will close any day now, but then another mistake pops up and the loan officer blames others and the loan processor blames the loan office, etc. 
I would have fired them long ago, except they charged me upfront fees. And keep promising that we will close any day now. 
I'm very frustrated and have LOST SLEEP over this! 
Why do I not have any recourse or help with this. 
They are holding me XXXX with " non-refundable fees. '' I gave up trying to call b/c I can not speak with anyone anyway. 
Please help. 
BTW- we started a re-fi on a 2nd property and we closed on that one, after MANY hassles and mistakes, in late XXXX. 
Overall, Amerisave is not only unprofessional and incompetent, but full of tricks, lies, and high fees.
Product: Debt collection

there is a fraudulent account in my report. please remove ir as soon as possible. u are violating my right for a fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortage statement is wrong since XXXX and no correction has been made by ditech. The principal balance is higher ( XXXX ) compare to the remaining balance from XXXX XXXX XXXX and Green Tree which is about XXXX. Beside high principal at a 6.75000 % interest rate, escrow is added on top of the payments which always was included with the monthly payments and the year of the loan was also increase from 20 years to 40 years. I been sending XXXX but only XXXX is applied to it. The payment as increase now from XXXX ( XXXX to XXXX XXXX XXXX ) These are the same payments i have been making since I first brought the house in the XXXX 's. In XXXX, ditech submit loan modify papers to the amount principal now- but the papers was dated in XXXX XXXX I been paying XXXX since XXXX XXXX and although I been pay ahead of time, I was also charge late fees ( XXXX ) through Green Tree and in XXXX ditech which both company are now as XXXX since XXXX. If I continued to keeping paying them, I will not only have given them extra money but in ten years I will pay them over XXXX. It unfair.. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was compromised in the massive Equifax security breach in XXXX and the XXXX XXXX XXXX breach in XXXX therefore, I have been monitoring my credit profile with Equifax on a regular basis. On XX/XX/XXXX, I disputed erroneous personal information names, DOB, addresses and Employment in my credit file in which my credit scores were in the 600+ range and on XX/XX/XXXX several negative unknown entries were inserted on my credit file which caused my score to drop over 100 points. I am inserting my credit report from the month of XXXX and the month of XXXX just so that you can see the difference of reporting.
Product: Checking or savings account

There are accounts opened up under my middle name I seen for XXXX which I asked them about. When I opened my account XXXX as XXXX. I received funds to my account and {$2600.00} was took out my account and also they closed off my account which I had no access too. I also sent everything in but instead they just shut me out even going to the branch. After a few weeks went by they closed my account without returning my money to the account. I was sent a mediation form by them and filed it out and never got anything
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. Consumer Finance Protection Bureau ( CFPB ) have recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence furnishers, accepting unrealistic responses, and failing to adequate notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTORNEY GENERAL- XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX and experian credit reporting agency XXXX to report improper payment information and violate 15 usc 1681 ( a ) and for years make up information about payment history that decreases my credit score. they have for over 5 years never corrected it. They continue to report 11 late fees no matter how much time passes or when others fall off they just magically change the payment history. Please help im ready to file a lawsuit for years of oppression. i have contacted them about the inccorrect information and experian continues to let them report even though they have caught them several times reporting inaccurate information. Other companies have removed them totally for this action. But experian continues to allow them to report and harm my credit report as a way of retaliaton. Please help stop my pain and suffering.
Product: Credit reporting

TRANSUNION continues to report XXXX XXXX Account # XXXX as an adverse account. Data received from TRANSUNION does not support account being an adverse account. Spoke with company and had been informed that they ( XXXX XXXX ) did not assign account to the adverse accounts list. TRANSUNION continues to insert " Bankruptcy Dismissed ''. on XXXX XXXX account. Investigation and per the Fair Credit Reporting Act ( FCRA ) Chapter XXXX Dismissed Bankruptcy is to be removed with seven years of filing. Chapter XXXX Dismissed Bankruptcy is to be removed from my credit files in 2016. I submitted several request to remove Chapter XXXX Bankruptcy sooner than 2016. TRANSUNION had removed last year. TRANSUNION investigation report revealed that " A non discharged, OPEN or dismissed chapter XXXX bankruptcy ( Public Record ) remains on the credit file for 10 years from the filing date. This is inaccurate. Research revealed that a Chapter XXXX Bankruptcy is to remain on file for ten ( 10 ) years. Reports from the other major credit reporting agencies stated that Dismissed Chapter XXXX Bankruptcy is to remain on files fro seven ( 7 ) years. During the initial phase of Chapter XXXX Bankruptcy, I was to have provided financial information and devise a repayment plan. I was to have completed/file the Chapter XXXX Bankruptcy forms and a plan procedure with the courts. According to the Bankruptcy Law checklist I was to have met with trustees at the courthouse to review paperwork and plans for repayment. Prior to this scheduled meeting with trustees and preparing to attend a confirmation hearing, I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy was not in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, including XXXX XXXX, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ). Any and all comments related to Chapter XXXX Bankruptcy should be removed from this XXXX XXXX account.
Product: Credit card or prepaid card

This complaint is principally made in order to provide additional documents to the matter of CFPB complaint XXXX regarding Capital One 's charging of late fees on a closed account. 

The attachment includes all statements from XXXX through XXXX, showing the additional late charges and interest charged on a CLOSED account. 

It appears Capital One stopped charging late fees after I complained to the CFPB. 

In a phone call today, XX/XX/2022, I called the PRIVACY phone number ( XXXX ) XXXX to opt out of personal information sharing to affiliates regarding my creditworthiness and affiliates and nonaffiliates to market to me. 

That number had a recording that the purpose of the call was collection of a debt. The representative identified herself as a general customer service agent. As I told her, I called the direct privacy phone number, not the general toll-free customer service phone number, ( XXXX ) XXXX. She said she needed to forward me to the privacy representative. That representative would not accept my election even after I identified the three types of information I am allowed pursuant to federal law to opt out. He said he needed to transfer me to a supervisor. This conduct is not consistent with the regulations regarding privacy opt out. It is required not to be on the general toll free number and has nothing to do with debt collection. The account is closed. Capital One, if it insists may take me to court based on the balance at the time of account closure. I simply want to opt out of Capital One sharing my personal information as allowed by federal law.
Product: Student loan

Was talked into getting massive amounts of loans when I enrolled, was lied to about the amount I was taking and was not assisted with finding a career that would allow the ability to pay off the loan. Attempts to renegotiate or reduce payments resulted in being told only options are forbearance for up to 3 months at a time. When attempting to add additional payments or trying to pay off specific loans, funds are split between loans seemingly arbitrarily even when specifying that payment should only be going to one, and XXXX/Navient will change due dates of payments without ample notice, resulting in late payment.
Product: Mortgage

CFPB I am so frustrated!!! I really need your help against this giant servicer. 

Well Im sad to report that BSI Financial cant get our escrow payments right to our insurance company. We have to call every year for last three years to fix. They only pay one of the three policies each year. I have spent well over 20 hours ( countless emails and calls ) of my personal time and these people dont care!

Most recently I dealt with a BSI employee named XXXX XXXX an XXXX  transaction management person who apologized, gave me the same old excuses, and made the same empty promises. 

Loan # 1 on University : For the third year running BSI 's insurance department has screwed up the payment to my insurance company even though every year I was promised it wouldnt happen the next year and once again this has occurred. I have a tremendous amount of my valuable time ( {$240.00} hour ) getting these issues straightened out. 

Loan # 2 on XXXX I just received notice on this property I have with BSI, the second of three loans, where are their firm once again 3 years running did not pay the insurance. I have had to call every three years once again because your company cant get their act together on paying our insurance. This is a two-unit property with 4 insurance policies on it. There are 2 flood and 2 fire insurance policies on it.

Loan 3 : I also have one more loan that I am not sure if they have messed up lately.

At this point I really need my three loans sold out from underneath the BSI financial services umbrella.

These people are breaking the trust we put in them to manage our very large investments our properties. Can you make them transfer us to another servicer? 

I look forward to hearing back from you as soon as possible. 




Regards, XXXX XXXX
Product: Debt collection

I have received many phone calls from the company Halsted Financial Services with the phone XXXX, located in Illinois, XXXX XXXX XXXX XXXX Il, XXXX but with a phone from Colorado XXXX, calling me insistently charging me {$4900.00} from a company that I have no idea who it is, what it is, they only located my name with that debt, which is NOT mine, therefore I ask for your help that I have to solve the problem. How they STOP to asking for collect money.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe. 

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

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

Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Experian to reflect my proper current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but my report is still reflecting an incorrect address as my primary address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, and XXXX and XXXX have updated their systems and deleted the incorrect address- but Experian has not. 

PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. Thank you.