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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT 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 : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT 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. 
XXXX. 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. 
XXXX. 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 received a notice on my Equifax report on XX/XX/XXXX XXXX XXXX XXXX for the collection amount of {$210.00} that was paid on XX/XX/XXXX! This is not my account and why would it just now be showing on my report all the way from XXXX this is a total violation of my rights! Equifax has been making a lot of mistakes and I want it corrected now! I will seriously be reaching out to my lawyers!! This was not on my credit file before XX/XX/XXXX. Equifax is lying about the date reporting!!
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

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

TransUnion responded with a copy of my standard credit report twice. The first letter is dated XX/XX/2020 and I received it on XX/XX/2020 ; the second letter is dated XX/XX/2020 and I received it on XX/XX/2020. Copies of the first page on each letter is attached herein. Neither letter addresses they reason why they keep lowering my credit score whenever I make a car payment or pay off a loan early. I also want to make note that they sent a letter addressed to my DOG ... a Black Labrador Retriever named XXXX XXXX and that I have printed on my return address labels. A copy of that letter will also be enclosed herein. This is proof that TransUnion employees are not paying any attention to details being sent to them for response and that is unacceptable. Please help me.
Product: Credit reporting or other personal consumer reports

I would like to follow up despite my previous XXXX attempts to resolve this matter, the unauthorized inquiries remain unaddressed.The presence of these unauthorized inquiries is negatively impacting my XXXX XXXX  and financial standing. The prolonged delay in addressing this issue is unacceptable and has caused me significant stress and inconvenience. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the unauthorized inquiries and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will be forced to escalate my complaint to relevant regulatory authorities and explore legal options to protect my rights as a consumer. Kindly help me remove the following inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me XXXX of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.
Product: Debt collection

Dear Credit Reporting Agency I am enacting my right under the Fair Credit Reporting Act to request information regarding an UNKNOWN item that is listed on my consumer credit report : XXXX XXXX account number XXXX I am aware that I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows :
Product: Debt collection

Original creditor : XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00} 1. Charged {$480.00} more than the previous balance from original creditor. 

XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX XXXX had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX  XXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that XXXX  XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX  XXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, Filed bankruptcy, and liquidated all assets.
Product: Debt collection

Company bought my information from property HOA company which violates my consumer rights to privacy and also violates privacy information act. Also they arent licensed to collect a debt In the 50 states/territories of the USA. Debt isnt covered under FDCPA and debt can not be verified via wet ink signature or my consent or my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called New Rez / Shellpoint mortgage and spoke to XXXX XXXX. I had checked my credit report and noticed that they had reported a 30 day late payment on XX/XX/XXXX, This mortgage had already been paid off XX/XX/XXXX. XXXX was surprised and assured me he would advise the department that incorrectly reported the error to have it corrected, he also advised me to file a dispute with XXXX, which I did on XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke with XXXX XXXX and was told that the report would update soon. As of XX/XX/XXXX still no correction so I call back and speak with XXXX, she advised that I would receive a letter of correction very soon. On XX/XX/XXXX I receive a letter from NewRez in response to my recent inquiry stating they are working on gathering information and will forward it as soon as possible. 

I make a call on XX/XX/XXXX and speak with XXXX XXXX, I asked if I can get an email stating they have corrected the reporting, he said he would send an email confirmation of the correction. I never received an email correction but I did receive an email which was a copy of my complaint to XXXX  with DRAFT written across it and it was submitted by XXXX XXXX. 
On XX/XX/XXXX I called back again and spoke with XXXX, again I was advised that it will take another 30 days for correction because they only update once a month ... .Now I am beyond frustrated. 

Here we are on XX/XX/XXXX and still no resolution so I call back and speak to XXXX XXXX who advises me there is nothing she can do, I then ask to speak to a supervisor. several minutes later XXXX, who identifies herself as a supervisor ( not sure if that is correct spelling ) said there is nothing she can do unless I send in my credit report. I asked her why I have to go through all the hoops when they made the error? I then asked her to read all the notes and she said there were too many for her to read .... seriously?? 
She was absolutely the least professional person I spoke to during this ordeal. 
I have been beyond patient with this terrible experience and would hope no other NEWREZ/SHELLPOINT customer will have to go through this.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My federal XXXX grant was converted to a loan on XXXX XXXX, XXXX without my permission. XXXX claims they did not receive paperwork stating that I was XXXX in a qualifying XXXX on time, even though such paperwork was submitted on XXXX XXXX, XXXX. XXXX claims to accept paperwork until XXXX XXXX, XXXX. XXXX refuses to convert these loans ( totaling $ 16,000+ interest ) into grants, and have so far denied my first dispute. I am submitting affidavits and complaints to the Attorney General 's Office and the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from XXXX  and Experian regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet XXXX  and Experian continues to state the account and address is verified without yet providing me proof upon my request.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a XXXX XXXX credit card under my name with an outstanding balance of over {$3000.00}. I called XXXX XXXX to request information about the account and they gave me no information. I started a fraud investigation with XXXX  XXXX and they closed the account. I also added a fraud alert to my credit report and filed a police report. XXXX XXXXXXXX denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. XXXX XXXX then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via Experian. This account is fraudulent, I did not apply for or authorize the account.
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 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 : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/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 EXPERIAN 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: Credit card

Disputed both online and XXXX number but both paths ran into errors on site and representative unable to process dispute. Online dispute stopped at step 1 with error a support evidenced attached. Representative attempted to defer and re-direct to a new department. That department was XXXX. Requested an escalation but XXXX XXXX only was listening in the background and did not announce herself. Stayed on hold for 1/2 hour and was finally transferred from XXXX to Supervisor XXXX .also XXXX deferred back to XXXX to escalate and stayed on hold for 50 minutes on hold and still no escalation. Finally a very rude XXXX from Customer Service and Office of the Executive kept prying into reason for transaction and only wanted to ask the nature of purchases. I explained a similar transaction from same vendor on XXXX/XXXX/16 and gave concrete example of no fee charged but XXXX could not provide an explanation. Requesting full refund of and and fees charged by Wells Fargo on this account. Internal case # with Wells Fargo is XXXX but XXXX ended recorded call with " we are not reversing any fees. '' XXXX essentially stated the they would do NO research and had already judgement on a flawed service where company charges arbitrary fees on unsuspecting customers. 

Next steps
Product: Mortgage

In XXXX of XXXX, we refinanced our home through XXXX XXXX XXXX in XXXX, VA. In XXXX of that year, XXXX XXXX XXXX sold the loan to XXXX XXXXXXXX XXXX. In XXXX of that year, we re-financed again because we did not like the customer service from XXXX. We re-financed with XXXX which is now XXXX XXXX. In XXXX, Capital One purchased XXXX. In XXXX, we opened a second equity line with XXXX XXXX XXXX in second position. At that time, nothing was found during the title search. When the loan came up for renewal in XXXX, we applied for a renewal. During the title search, an unreleased loan through XXXX XXXX was discovered. I have the HUD Settlement statements from the XXXX loan and the XXXX loan showing that XXXX was paid as well as the letter from XXXX informing us that they had purchased the loan. I called Capital One to ask for a release. The customer service person was able to see the loan number and my name, but had no other information in the system. She refused to send a release. She said she would send a later explaining the situation. I received the letter today and all it said was " No information about the above referenced loan could be located. '' I need to have this cleared off the Title work for my home. It is particularly annoying as I did nothing wrong but this could negatively impact my ability to sell my home.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 XXXX days before the payment due date. 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!
Product: Student loan

My student loan debt was transferred to Navient. I applied for an income based repayment and had a set rate of {$820.00} a month which was manageable. However, Navient continues to charge me an additional {$800.00} a month in " fees '' so in order to keep current and not have late fees, in reality my payment is {$1600.00} a month which is a struggle. And when I review the payment history, all of the payments have gone to interest only and nothing to principle. I will never be able to pay off the debt! When I have called to discuss they talk in circles and do not provide any reasonable explanations or options. I attempted to refinance with another company - but Navient does not have a full account number listed on my account ( has part of it blocked out - why?? ) nor is there any option to view a monthly statement - both of these are needed to apply to refinance. It just seems too sketchy to me especially with all the other complaints I have read.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX GAVE A LOAN TO SOMEONE UNDER MY NAME, JUST KNEW THE CREDIT INQUIRE WAS PULLED BECAUSE WITHIN MINUTES I RECEIVED ALERT FROM XXXX AND CALLED XXXX AND TOLD THE FRAUD DEPARTMENT IT WAS FRAUD AND I WAS NOT LOOKING TO BUY A XXXX NOR ANY CAR! THEY SEND A LETTER TO XXXX TO HAVE THE INQUIRE REMOVED AND DELETED BUT NOW THEY PUT THE LOAN ON MY CREDIT FILE AND STILL GAVE THE LOAN. THEN EXPERIAN REMOVED THE ACCOUNT AND BLOCKED IT AND NOW THEY ALLOWED MBFS TO PLACE IT BACK ON MY FILE AND WANT LET ME DISPUTE IT ANYMORE. I HAVE FILED SUIT AGAINST XXXX  AND XXXX FOR ALLOWING THIS. I WAS A FEDERAL JUDGE FOR OVER 30 YEARS AND I WILL NOT ACCEPT THIS AND WILL FIGHT UNTL ITS REMOVED. XXXX XXXX FRAUD TEAM WANT CALL ME BACK NOR EXPERIAN FRAUD TEAM KEEPS HANGING UP ON ME. I HAVE FILE A COMPLAINT WITH FTC FOR UNFAIR PATIENCE FOR XXXX  AND NOW FOR EXPERIAN. LAWSUIT HAVE BEEN FILE AND I WILL POST EVERYTHING ON XXXX AND XXXX AND XXXX REVIEWS AND SEVERAL OTHER PROFILES AND LET PEOPLE KNOW WHAT THERE DOING. THE CRAZY THING IS THE INVESTIGATOR CALLED THE PHONE NUMBER ON THE CREDIT APP FROM XXXX XXXX XXXX AND THE GUY HE WAS TALKING TO WAS THE GENTLEMAN OTHER STOLE MY IDENTITY, HOW XXXX CAN YOU GET. CALL THE NUMBER ON THE POLICE REPORT NOT THE FRAUDULENT CREDIT APP.