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

Request for Security Freeze on Credit Report To Whom It May Concern : 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 : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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

I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account. 
In accordance with the fair credit reporting act XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, Transunion ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number XXXX # XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX # XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX Account number 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 Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 file this complaint to request that my Equifax credit report indicate that I do not dispute the account information for my XXXX XXXXXXXX XXXX XXXX I have attached my Equifax credit report. Please see page 24 of the XXXX. The comment section on my XXXX XXXX XXXX account states that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why this account is being investigated or disputed. I do not dispute the account information listed on this account. Please remove the comment. My ID, social security card, and a recent cell phone bill are attached.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$33000.00}.
Product: Credit card or prepaid card

I originally applied for the Capital One Spark Business Visa, the most basic one for people with " average credit ''. I provided all the information needed to prove my identity. They stated that because of my address on the application not matching the Articles of incorporation, and other documents that were listed in their primary identification category they used " Government Regulatory Rules '' as the reason for my denial because of the regulation that says a financial institution " must know the customer ''. I provided 2 bank statements one for XXXX Business Checking account in XXXX, TX and one for our XXXX Business Checking Account in Arkansas. I faxed a letter explaining my address situation, they stated on the application process that they needed my physical address and that Mail Box Service addresses were not allowed. So I, in turn, used my home address in XXXX, TX. I finally spoke with a supervisor agent in Virginia, and she advised that she has " seen this problem '' happen 1,000 times. Those are her exact words. All calls should be recorded and be verifiable. The fact that she also said she knows that I am a legit person and that my information does match, but that the address was different on the application they would not allow this to go through. I also have two other accounts with Capital One, a consumer Platinum Master Card, and an Auto Loan. They have enough personal and private information on me to verify my identity and this is an abuse of the consumer, our credit reports, and a lack of the business not being a true financial service trying to help out its community as this is a small business product and would help my business needs in providing services to my local and extended community. I have worked in XXXX  and XXXX  XXXX  for over 15 years and remember the days when a loan officer could fill our a sheet of paper and waive the customer 's credit report just because they said they wanted it waived because they " knew '' the customer. I was originally approved and now I'm having to have a ding on my credit report, and no credit card to justify the ding on my report. I reapplied today with everything listing the company 's address. This is application was denied immediately. So now this is another ding on my credit without a thing to show for it. I'm beyond escalated and this apparently is not happening with just me. It's got to stop, Financial Institutions can not hide behind regulatory laws just as an excuse to not take an extra step and deal with the problem, they could have compared everything and made it happen by doing a true review and not just glancing at a name and address on my documents. Application ID XXXX
Product: Credit reporting or other personal consumer reports

Lexis Nexis , XXXX XXXX XXXX and XXXX,
please see attached and provide the following information
Product: Mortgage

Sps stated on a recent letter dated XXXX XXXX that I did not mention Covid relief on XXXX XXXX. I, have wittinesses and documentation, .recordings. I, also spoke to XXXX XXXX on XXXX XXXX XXXX on XX/XX/21 XXXX all Covid 19 discussions deferral and trial modifications, I was told I needed profit loss 2 year tax return 2 month bank statement and occupancy. I was told and it was recorded by this individual Covid relief end date was XX/XX/XXXX-my call was XXXX XXXX. In accordance to rep XXXX. XXXX XXXX. XXXX pm IIm requesting information not to be reported on my credit and back mortgage for the two months to be added on the back of the loan and not separated to be sold for collections and few months later with extremely taxes and interest.
Product: Debt collection

ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXXXXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} XXXX XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX  balance {$0.00}, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$95.00}, opened on XX/XX/XXXX XXXXXXXX XXXX accoun # XXXX, balance {$1600.00}, opened on XX/XX/XXXX XXXX has been filed at identitytheft.gov see attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following 5 fraudulent accounts that are result of identity theft : XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$10000.00} )XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$900.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$100.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance : {$14000.00} ). To this day Experian have not respond to my disputes. Attached are the last 2 disputes I sent them about this fraudulent accounts.
Product: Credit card

I applied for the Amex XXXX XXXX XXXX credit card on XX/XX/2023, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : XXXX. I successfully opened it with the bonus. XXXX. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. Thus, I think they are cheating me and this has made my life a mess, and I'm so sad and depressed to ask for your help. Thank you so much.
Product: Checking or savings account

we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's XXXX XXXX team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX XXXX. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a XXXX  later ) XX/XX/2024 : A XXXX  later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.
Product: Credit card or prepaid card

I physically mailed the note below to American Express I have called multiple times and each time I get passed around to multiple departments ... customer service, membership awards, technical support. 

Since my last call I have added the following points : 1 ) My account was closed XXXX  XXXX, They have record of me calling to check on the issue XX/XX/XXXX 2 ) They have responded to me via electronic notification but because they closed my account I have no way to get to their message or response. Additionally, no one in support can help me get that message 3 ) I was not notified or checked in with to confirm if my account should be closed at any time. Nor was any thought or care given to what I recall as XXXX rewards points 4 ) I believe customer support said that they did receive a payment from me for the membership fee. This is also odd Letter I sent to American Express. 
To whom it may concern, I have been an American Express Member since XXXX and one of my key reasons for being a long time regular member was the XXXX rewards program. 
Unfortunately my business has slowed down recently but is picking back up. I called in yesterday to check into my account and identified 1 ) my account was closed 2 ) my membership rewards are not accessible I know I had accumulated nearly 1M points and that is very important to me. and I also did not receive a notification of account closure etc If I was notified I would have addressed any issues immediately. 

I was able to call in recently and I believe a case is opened under my name. 

My ask ( s ) : Can I get my account reinstated? 
Can I have my points reinstated? 
If there are any issues can you let me know and I can resolve immediately. 

Again, I am a loyal long time member. I have shared my experiences with countless business and family members to encourage their using XXXX. My family members who are also members are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I would like to continue to be a champion for American Express and their rewards. I find myself in a tough situation with my card being removed, my point balance, and no notification. 

My account information : XXXX XXXX DOB : XX/XX/XXXX Account ending in XXXX Last four of social XXXX Account address : XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX CA XXXX Sincerely, XXXX XXXX
Product: Credit card

The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XX/XX/2009. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX said this will be removed. which didn't happen they have only closed the account. because it was open in error
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from XXXX XXXX XXXX in Trans Union the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via Trans Union 35 XXXX 21 XXXX that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. Trans Union and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was removed from my account XXXX Dispute number was removed XXXX No one is giving my the XXXX point u get when you get an account removed
Product: Credit card

I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it was.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Collector, I am writing in response to your letter or phone call dated I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
Product: Debt collection

On or about XX/XX/XXXX I received communication via USPS concerning a debt for account XXXX. Under the Fair Debt Collection Practices Act I have 30 days to ask for you to verify a debt. XX/XX/XXXX I sent a certified letter requesting that you verify the debt which was received by your office of XX/XX/XXXX. As of XXXX XX/XX/XXXX the debt was never verified. Because EOS CCA could not verify the debt they can not legally continue collection practices but this hasn't stopped them. On XX/XX/XXXX two years latter I received another letter from EOS CCA trying to collect on the exact same alleged debt. They are in violation of the FDCPA
Product: Debt collection

Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} Equifax : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/14. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.