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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas 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 with Social Security XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas 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 : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. 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.

5. 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

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Product: Credit card

Told Associate that my employer does not allow collection calls on my business phone. They said they would note that in my record and then proceed to continue with the call as if I said nothing. I hung up.
Product: Credit reporting or other personal consumer reports

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.XXXX XXXX XXXX  Credit Card : Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Bank account or service

I was told on XXXX XXXX, 2016 that my checking account at BBVA Compass Bank was being closed due to an unrelated issue and I agreed. I inquired as to the procedure to cancel a direct deposit and was told to contact my employer directly as no further depozits would be accepted into the account ; which I did the same day. Unfortunately the deposit came thru anyway due to insufficient notice time to cancel the deposit and reroute to my new bank. Once the deposit initiated, BBVA allowed the deposit to be placed into the supposedly " closed '' account but still refused me access to any money, although clearly the account had not been closed, now they are telling me that the account has been frozen for three weeks. this is clearly not the case as I have been able to log on BBVA 's online and mobile banking on my phone as well as continue to call into the customer service and access my balance over the phone thru the automated as well as thru speaking with a customer service agent. If the account has been frozen, no entries into or out of thean account would have been allowed and the direct deposit ach would have been rejected back to my employer. My employer even attempted to retrieve the deposit back and was denied stating that the money was not there and I have written confirmation of this. As of today, XXXX XXXX, 2016 I am still being lied to regarding the status of this account as well as being lied to about a check being process - along with being able to view the money in the supposed closed account as an active account would show, my access to transfer or remove the money has been supended. Because this is my paycheck money and only a partial payment ( I only get paid monthly as a XXXX ) and now am being forced to wait until XXXX XXXX, 2016 to receive my next pay deposit ( into the correct bank account with XXXX XXXX ) - this situation is causing me undue financial harm, my bills are going unpaid because BBVA Compass is an unscrupulous bank who has thus far been totally unresponsive, or has told lies/untruths about the whereabouts of my money. I am asking that a formalcomplaint be opened against BBVA Compass Bank asap. Thank you.
Product: Credit reporting

Credit reporting agency Experian would not validate any information for XXXX accounts that I have asked for validation of on 4 separate occasions. By law they must validate with documentation any accounts that are reporting to my credit report but they have not complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a dispute with XXXX Experian XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.
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 3 credit bureaus must validate these accounts 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA 's previous response to claim XXXX omits critical elements regarding this dispute. USAA 's representative verified that they went through a system migration which canceled out users auto pay. If this were not true, USAA would have never submitted a letter on my behalf to remove the late payment. This information has been completely left out by USAA and can be easily verified with the credit bureau 's. This report is not accurate or fair, and is the reason that a letter was summitted on my behalf. USAA 's representative responding to this matter was also extremely rude when handling this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letter attached I have reached out both to the companies and the bureaus and they have not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unfair late payment reporting on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused significant harm to my credit profile. I request an immediate investigation and corrective action.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy and requires that consumer reporting agencies maintain fair and accurate reporting of my financial information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The reporting of incorrect late payments is a clear violation of this statute.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to properly investigate disputed late payments violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of credit reports. Incorrect late payment reporting demonstrates non-compliance with this requirement. 

Details of the Inaccurate Late Payments : XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX  XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> I formally dispute the accuracy of these reported late payments. These accounts were either paid on time, contain errors in reporting, or lack proper validation. Under 15 U.S.C. 1681i ( a ) ( 1 ), I demand that each of these late payments be investigated and either validated or deleted from my credit file. 

Request for Action : Given the above, I request the following : An immediate investigation into the inaccurate late payment reporting on my credit file. 

Proof of payment history and proper validation of each reported late payment. If validation can not be provided, the inaccurate late payments must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!!
Product: Credit reporting or other personal consumer reports

These consumer reporting companies are reporting inaccurate information. They are reporting debts that have been discharged. 

A demand for payment on a discharged debt is a false, deceptive, or misleading statement in the collection of a consumer debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ) as the debt is no longer owed. 

The debt was cancelled, discharged, and ACTUAL DISCHARGE occurred. To memorialize it, these companies issued a 1099-C form. In box 6 the code H was selected. 8. Other actual discharge before identifiable event. This was done in accordance with Internal Revenue Service instructions. " Enter H in box 6 if there is an other actual discharge before one of the identifiable events listed above. 

Debt collection activities means any activities of a debt collector to collect or attempt to collect, directly or indirectly, a debt owed or due, or asserted to be owed or due, another. Reporting on a consumer report is a form of debt collection, so now these companies are violating the FDCPA as well. 

Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 

They also can not lie or use profane or obscene language. Reporting that I owe any alleged debt is profane and obscene to me. 

As such, one of the common FDCPA violations includes misrepresenting themselves or making false statements to leverage fake authority. Debt collectors must identify themselves and give you accurate information about the debt in question. These companies are not giving accurate information. To third-party reporting companies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Capital One auto finance acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
Product: Student loan

XXXX loan servicing put an unauthorized charge to one of my bank accounts. I updated the payment method and closed my account on XX/XX/year> for the amount of {$610.00}. I uploaded a different bank account than the previous payment and all information was accepted for the XX/XX/XXXX payment. On XX/XX/XXXX the original bank account was charged and this was an authorized charged resulting in {$100.00} in fees. In addition, the original loan amount was {$4000.00}, with interest it accumulated to XXXX. I paid {$6000.00} and the next month the interest jumped from {$50.00} to {$300.00} doubling the size of interest loan in a 30 day span of time. In summary, unauthrozied access to bank accounts and penalized paying loan by increasing the interest rate to nearly 100 % when 30 % is the max.
Product: Credit reporting

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding a fraudulent account appearing on my credit report. XXXX did not properly investigate or remove the disputed account. XXXX failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for two additional fraudulent accounts appearing on my credit report. However, within approximately 13 hours, XXXX stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for XXXX to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided XXXX with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

XXXX 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal law.
Product: Mortgage

On XX/XX/XXXX my son XXXX and I purchased a condo located at XXXX XXXX XXXX XXXX  XXXX, in XXXX Massachusetts. On XX/XX/XXXX the mortgage was sold to PHH mortgage services, XXXX XXXX XXXX, XXXX XXXX On XXXX I contacted PHH for reimbursement from my escrow account for taxes I paid. The town of XXXX taxed the previous owner, XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX is now the property manager of XXXX XXXX and collects the monthly condo fee. Failure to pay him would result in being delinquent on the condo fees. On XX/XX/XXXX I sent XXXX a check in the amount of {$480.00} covering taxes for XXXX, XXXX, and XXXX. I sent another check in the same amount on XXXX. I have repeatedly called PHH and they have refused to reimburse me. My current escrow amount is over {$4000.00}. I am asking for less than {$1000.00}. I have submitted my canceled checks as well as the quarterly bill from XXXX. Each time I call PHH I speak to someone who is most likely in XXXX and is not helpful at all. Im hoping you can help access the funds in my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX ; XXXX, XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; FACTUAL DATA XX/XX/XXXX that are 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/block any items not later than 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : XXXX consumer report must be XXXX XXXX accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1. 

See Attachment of Proof of Inaccurate Information YOU HAVE XXXX XXXX FOR DATE OF RECEIPT TO DELETE INFORMATION.