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

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX  My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Detailed Verification Information Dear TransUnion, I am writing to formally request verification details for items in my credit report that I previously disputed and that you have marked as verified ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Under the Fair Credit Reporting Act, I request the following information for each disputed item : The method of verification used in your investigation. 

The contact details, including the name, address, and phone number, of the furnisher of information for each item. 

Copies of any documents or records used to verify the accuracy of the disputed items. 

A detailed record of the investigation steps you conducted, including any communication records with the data furnishers. 

Since I previously disputed under 15 U.S. Code 1681e and 15 U.S. Code 1681i, please consider this letter as a formal request under 15 U.S. Code 1681o for compensation for any negligent non-compliance. In addition, I am demanding compensation under 15 U.S. Code 1681n for any willful non-compliance with my rights as outlined in the FCRA ( attached below ). 

Please be advised that if you are unable to provide verifiable documentation for each item, I expect these items to be promptly deleted from my credit file as required by law. I look forward to receiving this information within the legally mandated time frame.
Product: Debt collection

I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and incomplete. Upon reviewing my credit report, I have identified discrepancies related to the following accounts : I have attached supporting documents, to substantiate my claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I look forward to your prompt response and the correction of the inaccuracies in my credit report. XXXX XXXX Date Opened : XX/XX/17 Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/17 Balance : {$730.00}, and XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

When making my payment online, I am required to make almost double the monthly payment. The online payment option does not allow me to input the monthly payment amount, nor the desired payment amount I want to make. It forces me to pay double. The company said I had late fees. I started making my payments by check, paying additional funds each month to take care of the late fees. I requested an accounting of all my past payments and how they were applied and the spreadsheet that Flagship Credit Acceptance sent me did not show that any late fees were outstanding. In XXXX, I tried to make my payment online and again, it required that I make a payment in excess of {$800.00} due to a " past due '' amount. In a final attempt to resolve the issue, I made the payment in the amount of {$810.00}. This month, XXXX, I again attempted to make my payment online and it is requiring that I pay in excess of {$800.00}. My monthly payment amount is only {$460.00}. By requiring consumers to pay double the payment amount, Flagship is forcing them to make late payments or make phone payments which incur extra fees. They have been doing this since my loan started and I have incurred excessive fees as a result. Additionally, they are not applying the extra funds I send to the late fees so that the late fees are always outstanding. I have complained about this and I think they do it to all their customers.
Product: Debt collection

Upon reviewing my credit report I noticed a fraudulent account. I contacted Macy 's to confirm this account is fraudulent. I spoke to a representative who investigated the account and deemed the account FRAUD. I received a document via mail that noted that this account would be blocked and removed as fraud. This account still reflects on my credit report today.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX were still showing late payments. 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 the customer service representative of the said accounts.
Product: Credit reporting or other personal consumer reports

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up.

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts XXXX disputing : Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, [ XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records.It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX of XXXX I have my XXXX XXXX  card connected to my Bank of America checking account. I paid my church XXXX XXXX XXXX XXXX XXXX  by mistake through my phone from my checking account through their XXXX XXXX when i realized that i made a mistake I contacted my church within 2 minutes called them and they immediately refuned my {$860.00} back to my account. however it was suppose to have been credited to my bank America account within 2 to 3 business days on Tuesday the XXXX I contacted bank of America i spoke with XXXX who stated i that should wait until XXXX the money should be back in my account if not by XXXX XXXX  by Wednesday the XXXX of XXXX. I contacted XXXXXXXX XXXX and due to the money not coming from cXXXX XXXX  it came from my bank of america checking XXXX XXXX sent me the receipt showing that it was refunded that same day and that my bank of america account should have been credited back instantly. I contacted them again every day after that.. I went to the bank on XXXX in XXXX Tx XXXX spoke with the XXXX there and she tried to make me think that i spent the money when i did not spend the money there is another transaction {$1000.00} that was suppose to be credited to my account and it never made to the bank of america account on XX/XX/2023 they told me that it was a ghost transaction as well as the XXXX that it was a ghost transaction.. then they claimed that they found it but i spent it and i PROMISE YOU GUYS i never touched that money i showed them the receipt at the bank in XXXX and they claimed again that they could not find it and that maybe it was spent before they could credit my account not true.. I had XXXX in the bank on the XXXX and its only the XXXX and they are telling me that i spent that money there is no Way
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXXXXX & Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Name : XXXX XXXXXXXX Account XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Mortgage

STOP FORECLOSURE : This is my XXXX where I'm raising my XXXX girls, and I intend to stay and work with the lender on a solution. 
Nationstar XXXX Rushmore XXXX is practicing DUAL TRACKING- I submitted for modification and they are reviewing and posting my home for foreclosure XXXX XXXX I submitted a Loan Modification Application to the lender Rushmore XXXX Nationstar and XXXX was under review XXXX XXXX, XXXX - Their attorney XXXX XXXX, XXXX and sent me Notice of Foreclosure to take place XXXX XXXX XXXX, XXXX - I called Rushmore XXXX to get status on the modification and let them know that I received Notice of Foreclosure, they said they reviewed and denied the modification on XX/XX/XXXX, they never mailed me that letter, so I had the representative email that to me, which I did receive. 
XXXX XXXX, XXXX - I responded in writing and submitted a Notice of Appeal of the modification denial via fax, email, certified mail within the 14 days of the denial letter Initially, In XX/XX/XXXX, the servicer Nationstar made an error when they transferred the loan servicing stating incorrect monthly payment and interest rate on the monthly statement. I gave them formal notice of dispute of this error, they ignored me, which then created a hardship for me. Because they told me that the only way to modify the loan would be to not make payments for 90 days which then ruined my credit. They did not correct the error and continued to bill me incorrectly. This has been going on for over 12 years now, I've attempted and even signed a modification agreement, and they did not honor or implement this modification in XXXX.
Product: Debt collection

This company calls multiple times per day to my office XXXX and cell XXXX. I have answered and asked them repeatedly to stop calling ( see attached screenshot, all of the XXXX numbers ), but they insist I must give them my personal information or they won't talk to me. This is harassment and it must stop. I want both of my numbers marked as do not call immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion on different occasions in regards to credit inquires that I did not authorize. I have tried to not only correct this with Transunion, but also with the initial creditor that request the unauthorized inquiry and was referred back to credit bureau stated the information was obtained from TransUnion. I have no Knowledge of this and when contacted spoke with a representative that was rude and could plainly tell didn't want to assist. Kept reciting the same script over and over and refused to transfer me to a supervisor. This has been very inconvenient and has been a huge unexpected impact on my livelihood and has impacted my credit and credit history. This has also been inconvenient since to prevent situation in these matters I had a initial fraud alert that obviously was in place to prevent matters like this from occurring. 

The Following are Inquiries were unauthorized : XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX  XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 XXXX XXXX  XX/XX/2017 XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17
Product: Checking or savings account

I tried to log in using XXXX and, despite the login credentials being accepted by my bank ( PNC ), the connection was rejected.
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is notice that XXXX, Experian and XXXX are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX XXXX XXXX XXXXXXXX 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 have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 
I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible. 
Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals.

Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies.

This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a thorough investigation to be conducted within 30 days of receiving this letter.

I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report.

I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies.

Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism.
Product: Credit reporting or other personal consumer reports

Good afternoon. 

I have try to remove a credit freeze that I have placed on my account but expirian is refusing to remove the freeze by phone like the other credit bureaus. They are offering me a credit service that cost {$460.00} for them to remove my freeze. This is un-American from these company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX MERCHANT CREDIT GUIDE : # * 0965 MERCHANT CREDIT GUIDE XXXX XXXX XXXX MERCHANT CREDIT GUIDE XXXX XXXX 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.