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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx 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 : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Tx XXXX 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. 
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.

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. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I sent RGL Associates a request for XXXX XXXX on XX/XX/2022. Below is what I requested : " Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. ( The HIPAA authorization form ) Cease any credit bureau reporting until the debt has been validated by me. '' on XX/XX/2022 I received a response via mail from RGL Associates. They provided a detailed breakdown of ALL of my medical procedures and medications given, and did not provide a signed HIPAA form releasing said PERSONAL information to be sent to a collections agency. This is honestly embarrassing for strangers to have my personal medical information which is a direct violation of my privacy rights. I only have documentation ( sent to me by XXXX ) with my signature authorizing the release of my medical information to my spouse, the original hospital and any referral physicians.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is reporting 3 accounts on my Experian credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Product: Credit card or prepaid card

A towing company, XXXX XXXX illegally towed my vehicle and then extorted funds through a credit card. The transaction was under force and fear, and the transaction receipt represents signed under duress ( force and fear ) as the merchant threatened physical violence. The police were noticed a, report filed and investigation began. Civil action was also initiated against the company. The charge was submitted against my Bank of America bank account for XXXX. I filed a complaint with the bank and with the CFPB. I was contacted by Bank of America who indicated upon review of the information they would be crediting my account. This occured XX/XX/XXXX. The Merchant refiled the same charge on XX/XX/2018 which was processed by Bank of America. When I called their offices they indicated the file had no documentation of the prior CFPB and OCC complaints on this matter, and therefore they were processing this charge as valid. My card number is XXXX. My DDA account is XXXX. 

All information has been provided which resulted in BofA initially denying the charge and now that such has not been maintained in the file it allows the merchant to resubmit the charge months later and for me to be forced to go through this again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - I ordered an item with my XXXX XXXX XXXX XXXX credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my XXXX XXXX XXXX XXXX XXXX I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXX XXXX  prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXXXXXX point drop. I Filed a dispute with the credit bureaus but XXXX XXXX still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation
Product: Debt collection

XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for
Product: Money transfer, virtual currency, or money service

I am beyond done dealing with XXXX. They repeatedly won't allow me to connect my bank accounts or cards and say they are linked to other accounts, when I have unlinked them before closing old accounts. I currently have {$500.00} sitting in my XXXX and they have now frozen my account. They are asking for an ID and bank statements, which I find to be inappropriate and unnecessary. I can read online where they are doing these things to millions of people. It just needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

THE BANK XXXX XXXX XXXX {$0.00} ;
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date open XXXX. XXXX, XXXX Balance : $ XXXX DAYS LATE late dates XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX Balance Owed {$6300.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$85.00} XXXX XXXXXXXX XXXX XXXX Owed {$140.00} XXXX  XXXX XXXX XXXX Owed {$19000.00} XXXX XXXX XXXX XXXX Owed {$450.00} XXXX  XXXX XXXX XXXX Owed {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX Owed {$73.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX XXXX XXXX XXXX Owed {$61.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX  XXXX XXXX XXXX Owed {$230.00} XXXX XXXX XXXX XXXX Owed {$69.00} XXXX  XXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX XXXX Owed {$130.00} XXXX  XXXX XXXX XXXX Owed {$83.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00} XXXX  XXXX XXXX XXXX Owed {$170.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX XXXX XXXX Owed {$55.00} XXXXXXXX  XXXX Balance Owed {$0.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX XXXX XXXX Owed {$19000.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00}
Product: Money transfer, virtual currency, or money service

I was purchasing a puppy which was {$900.00}. I sent the money from my XXXX  XXXX XXXX app through Zelle to the person I was making a purchase, but within 8 hours I did not receive further communication. I called XXXX  and told them I thought I was scammed, and fraud happened. They opened up a dispute case for me. The scammer then sent the money from XXXX to XXXX. XXXX  XXXX XXXX come back and say they can not get my money back from XXXX XXXX, which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. I can not believe the government would allow banks to operate this way. You think your money in a bank is protected but I can see they are not. This was the 1st time I used Zelle, and I assume I was protected because I used it in my bank app. XXXX  has not even followed up with me since I submitted a dispute case. Why is Zelle allowing so much wire fraud and scams to occur without doing anything about it?
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services, money, and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This has caused me much suffrage and is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My cash app account name was $ XXXX, small amounts of money was taken out of my cash app account. When I tried to contact customer service I never received any assistance. I kept getting a generated response. Later on my cash app was disabled and shut down. Never received my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and the mortgage company XXXX XXXX altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has XXXX XXXX. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX, in XXXX , county California. My father and I are joint owners of the deed and I sent a copy of the deed to XXXX XXXX along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to XXXX XXXX. As of today, Experian doesn't have me paying mortgage payments to XXXX XXXX. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of XXXX XXXX not reporting my information to the credit bureaus.
Product: Debt collection

A female caller was very aggressive on the phone. When I asked about the validity of the debt, she threatened by saying she would make sure that " I am held accountable. '' She also mentioned they has already hit my credit report.
Product: Credit card or prepaid card

Dear Sir/Madam, I purchased a merchant for {$240.00} online on XX/XX/XXXX. a representative of the merchant informed me that item was not available by email. She asked if I wanted to change to other item. I said no. I asked her canceling my order by email. However, the item was still was mailed to me. I asked the address I could return the item. I got no response. I informed my credit card company Capital one. They asked me the copy of invoice. date of cancellation, etc. I have no these document. All I have are the emails I communicated with the a representative of the merchant. The email proved me I have cancel the order before they mailed the item. I mailed the emails and fax to them, But I was still be charged back {$240.00}. 

Thank you for your time. 

XXXX XXXX