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

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Security Freeze Request : 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. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

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

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

A copy of my Social Security Number.

5. 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.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and saw there were late payments being reported which is a violation under the FCRA. 

XXXX XXXX XXXX XXXX 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 I did not give written permission to this company to furnish this information and according to FCRA late payments are transactions and are not to be reported on a consumer report. 

Delete the above late payments on these accounts from my consumer report. 

Failure to respond satisfactorily with 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 actions 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 Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ]
Product: Mortgage

I am losing my home to foreclosure. The mortgage company Select Portfolio Servicing had sent me a letter with a number and email address for someone I can ask questions about my situation. I emailed them to ask if there was anyway that they can delay the foreclosure sale for a few months due to the fact that I ca n't find a place to live. I am recently divorced. My ex-husband ruined my credit, so I am having a hard time finding a place to live. They did send me a letter telling me that they would give me {$3000.00} if I leave the house. That sounds great but If I do n't have any where to live, that wo n't help. I never received an answer about delaying the sale. This is a really stressful time for me. It 's bad enough that after 25 years they are taking the house, but I need some more time to find a place to live. My car is n't big enough for my belongings. This mortgage company always stresses how much they want to help me. They have done nothing for me except create more stress in my life.
Product: Debt collection

Citi Card is trying to collect a debt, for supposedly {$7500.00}. Yet, I just found out this evening that they put a judgement against me for {$10000.00}. My father actually found out and told me. They never notified me of this and they NEVER SERVED me with this. This is in violation of debt collecting. We are also in a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on or around XXXX XX/XX/XXXX for a XXXX XXXX account/tradeline. Experian acknowledges processing the dispute and claims itts " investigation '' was completed on or around XXXX XX/XX/XXXX. The results of the dispute say " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' and shows Experian conducted an automatic update of information from XXXX XXXX. This is NOT a substitute for an investigation. From p. XXXX of the attached docuentation XXXX XXXX states as follows for the account number ( s ) : " When a loan charges off, the account number is changed as the information is moved to a different system of record. The updated loan account will show on your credit profile ending in XXXX. '' Now, my dispute with experian was regarding an account that was wrongfully charged-off by XXXX EFS due to their misapplication of my student loan payments and a mishandling of an approved forbearance and subsequent deferment that enabled XXXX XXXX accounting and billing systems to continue to mark payments as late during periods were made and/or forbearances and deferments were in effect. It is during such times that XXXX XXXX ceased generating billing statements. All I am trying to do is have the the CO status and late payment history, and derogatory narratives removed because the informattion is false and/or misleading under 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). As such, to ensure maximum accuracy under the FCRA, it is incumbent upon Experian to change the affected periods to Not reported/NR, and to remove any and all derogatory payment and account status narratives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT :  {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Checking or savings account

On Thursday XXXX XXXX I deposited my United States Treasury, VA XXXX XXXX XXXX, in the amount of {$2000.00}, in my Ally bank checking account # XXXX I got home I went online to make sure the deposit was correct, I found out my funds would not be available for XXXX XXXX, until XX/XX/year>. I can't live for a week without money, I called the bank and asked if they would release the funds sooner, they refused.
Product: Credit reporting

This account has been in dispute with XXXX and Transunion came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from XXXX so I redisputedit. It came back verified with transunion. 


XXXXTransUnionAccount DetailsLast XX/XX/XXXXXXXX XXXX TypeEducation LoanStudentAccount StatusClosedClosed - TransferredOpened XX/XX/XXXX XX/XX/XXXX DateXX/XX/XXXX XXXX, XXXX XXXX, XXXX -- -- Term -- -- Monthly Payment {$140.00} $ XXXXResponsibilityIndividual Account. 
IndividualBalance {$0.00} $ 0Highest Balance {$14000.00} $ XXXX StatusCurrentCurrentWorst Payment Status -- Late 120 DaysDate of Last Payment -- -- Amount Past Due -- $ XXXXTimes XXXX Days XXXX disputes - reinvestigation in progressTransfer
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Exeprian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 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 accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Accounts listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with other disputes that was not properly investigated
Product: Checking or savings account

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX XXXX from it, which is a few XXXX, they will not release. I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another XXXX address, it freezes on " Loading '', all after typing the XXXX  XXXX code and the receiving address. 

No information was requested as coinbase stated, instead they gave just a couple day window to withdraw and I was not home at the time. That is unrealistic. 

PLEASE FIX THIS ISSUE. Thank you
Product: Debt collection

Debt Co XXXX has placed a collections account on my XXXX and XXXX credit reports as a collection account, This company is not licensed in TN as a collection agency, I was not notified by this company that I had an account with them, or given the opportunity to dispute this debt prior to it being added to my credit report, This Account was listed as a New debt with incomplete information on account payment history and date of delinquent payment Debt Co XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX Appointments : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM XXXX  XXXX XXXX WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO EXPERIAN MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX    XXXX   XXXX  my Bankruptcy was  discharged, And  when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.   It states these, Derogatory public record or collection filed . ( N ot listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  Trans Union is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review   XXXX   XXXX   XXXX   too thanks agai n
Product: Credit reporting

I just wanted to ad a quick note to previous complaint number ref XXXX I have not gotten any of the the info that I have ask the reporting agency to send me. also any of the requested info they have claimed to have investigate my dispute they tell me to contact the creditor but per the fcra section 609 act states that the reporting agencies has to have my sign ORIGINAL documents on file if the consumer request that info FROM EXPERIAN has to provide the info. at this point this company is in violate of the united states federal law I have a attached a file in the supporting documents of the US LAW AND I HAVE ASK THIS EXPERIAN FOR THIS INFO 10 TIMES AND THEY HAVE FAIL TO COMPLY WITH THE LAW PLEASE SEE ATTACHED DOCUMENT
Product: Student loan

Hello, I have student loans with EdFinancial totaling {$25000.00}. 

I owed {$25000.00} as of XX/XX/XXXXXXXX  when my first payment was due. I paid this in full, but EdFinancial reversed my payment. Now I owe approximately {$100.00} more. 

I spoke with them on the phone, today, XX/XX/XXXX with no help. They said that would give me a call but have not reached yet and said that the interest could not be reversed. 

I already spoke with the bank and they said that EdFinancial never even attempted to take the money out. I definitely entered the account number correctly when I made the payment and did receive a payment confirmation. 

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

Dear XXXX/XXXX Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XX/XX/XXXX on my Trans Union and XXXX   credit report. After numerous attempts to rectify the missing reporting data for the month of XX/XX/XXXX, XX/XX/XXXX payment data has also not been reported to Trans Union and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Product: Mortgage

My mortgage was transferred to Rushmore in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have an ARM Mortgage with the original loan amount of {$450000.00}. 

There are 3 issues : 1. Payment History I was concerned about the principal and interest amount being charged by Rushmore so I asked them for my payment history. I was told they only have my history as of XX/XX/XXXX, I contacted XXXX XXXX who said that everything was transferred to Rushmore. I would like to see my payment history since XX/XX/XXXX when I first acquired the loan until today, This will allow me to see the interest rate, the principal and interest payment., All of this information is with Rushmore and I have been asking for this information for nearly 2 years. 

2. Principal and Interest The principal and interest being charged is high. When I first got the loan the interest rate was over 7 % on a principal balance of {$450000.00}. I can not remember the exact payment amount but I think it was about {$2700.00} including escrow ( this is why I need my payment history ). Today the interest rate is 6.125 % and the principal balance is {$360000.00}. Yet the principal and interest is higher than when the interest rate was 7 %. 

I will be able to provide specifics if I could get a copy of my payment history. The current calculation is wrong and is making my payments unaffordable. This has resulted in me being unable to pay. 

3. Notice of Intent to Foreclose In the District of Columbia, a Notice of Intenrt to Foreclose is typically send 120 days after the borrower has stopped paying the mortgage. Here, Rushmore the note is 45 days past due, I plan to call Rushmore to work out a plan but the Notice of Intent is premature.
Product: Debt collection

An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.
Product: Checking or savings account

I am willing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have lost me money and time. These foul actions were a significant inconvenience because I am a college student and any money I have is greatly valued.
Product: Prepaid card

This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX  accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.