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

XX/XX/2024 To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELY, XXXX XXXX XXXX
Product: Debt collection

They garnished me for XXXX without sending me any proof of debt. They never got back in touch with me when I called about it and they didn't respond to a complaint I filed with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted XXXX and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to express my extreme frustration and demand immediate action regarding the erroneous reporting of XXXX XXXX XXXX XXXX  XXXX on my Equifax credit report. I have already been notified that this item has been removed from both my XXXX and XXXX credit reports, and I expect the same prompt resolution on your end. 

It is clear that Equifax has failed to meet its obligations, and this is unacceptable. This listing is not only inaccurate but is also a violation of my rights, as it is tied to the data breach that Equifax caused, under XXXX XXXX XXXX. I have already taken the necessary steps to rectify this situation with other credit bureaus, and your failure to remove this item is now an outright disregard for my legal rights as a consumer. 

I demand that you immediately remove XXXX XXXX XXXX XXXX XXXX from my credit report. If you do not resolve this issue immediately, I will not hesitate to escalate this matter further, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for any damages this has caused me. 

You have been given ample time and opportunity to correct this issue, and your continued failure to act swiftly and responsibly is completely unacceptable. I expect this matter to be resolved within 14 days of the receipt of this letter. Failure to do so will leave me with no choice but to pursue further action to protect my rights and my credit. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the item has been removed from my credit report without delay.
Product: Checking or savings account

I have had Credit Karma for years. I recently saw that their savings account had a better APR than my current bank, so I opened an account and swapped a big chunk of my savings into this account. This totals to {$5300.00}.

Shortly after depositing it, they put a freeze on my account. I got an email saying they needed a photo of my ID and a recent bank statement. I found this weird, and asked why but was not provided an answer.

I sent them what they needed, and never heard back. When I reached out again, they said they needed a bank statement in PDF form, a selfie with me holding my ID under my chin, and a photo of the back of my ID with all four corners visible.

Again, these are very weird requests. I was growing impatient and just sent it.

They replied back saying they needed the same thing. I said I already sent it, but I sent it again.

At this point Im furious, I go on their app to the customer service chat, and the lady, whose name was XXXX, said she sees all my documents, they were all perfect and exactly what they needed, and was transferring my case to a specialist. She said they had everything I needed and I should hear back from them within an hour.

I didnt, I didnt hear back for over two days. That was today, at XXXX am, they messaged me and said that I needed to upload the bank document in PDF form. 
I did, and luckily this was the fifth time I was asked, so I took a screenshot the last time to show it was in PDF form. I also took a screenshot of XXXX telling me she could see all my things, she listed what they were, and she said that she could see them and they were perfect. So I sent that to. 
I already sent the PDF, of something they shouldnt need, Im my opinion.

Also, through all of this, Ive been asking for the reason my account was locked and not one person provided me a reason, they all said it was confidential and they could not tell me until my case was resolved.

I put this money in credit karmaa savings account to earn more money monthly in APR, not to give them a loan. At this point, I want it sent back to the account I sent it from, I want the account closed entirely, or I want to find a way to press this further because this is awful and annoying.
Product: Debt collection

The original bill was from my son when he was in college in Missouri. I paid it AFTER I was aware of it and a few months later they sent ME ANOTHER BILL which I disputed. THAT was paid AND CLEARED my account XX/XX/XXXX, for XXXX, check XXXX to XXXX XXXX XXXX XXXX XXXX!! Anytime I tried to question the bill I was ALWAYS told they COULD NOT GIVE ME ANY INFORMATION, yet they continued to harass me with bills. NOW I am receiving bills from Credit Bureau Systems Inc out of XXXX, KY ( XX/XX/XXXX ) and when I called XX/XX/XXXX, I was told they couldnt give me any information just like I was told by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my previous communication regarding the urgent request for the deletion of a singular remaining inquiry from my Experian credit report. As per the stipulations outlined in FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be expunged no later than XXXX business days after XX/XX/XXXX. I am reiterating this request in conjunction with my FTC report, referencing # XXXX. The specific inquiry I am requesting to be removed from my Experian credit report is as follows : XXXX XXXX XXXX XX/XX/XXXX. Failure to comply with this request will necessitate the initiation of legal action. My legal counsel is fully briefed on this matter and prepared to hold you accountable for deliberate noncompliance. I respectfully urge you to promptly remove the inquiry associated with fraudulent activity without further delay.
Product: Mortgage

My mortgage servicer offered me XXXX and reduced monthly payments during Covid-19 because I was quarantined and unable to work. I was promised a modification at the end of the pandemic. Instead, they conducted a Net Present Value test which indicates my house has increased significantly in value since my original purchase in XXXX. They have denied all modification reviews and now demand I make all back payments in full immediately. They suggest short sale or deed in lieu of foreclosure if I can not pay {$52000.00}. I believe they see an opportunity to cheat me and make a large profit because the value of my house is not relevant to what I owe. 

When the Homeowners Assistance Fund was created to help homeowners who were financially affected by Covid-19, my mortgage servicer encouraged me to apply but after working with HAF counselors for over six months with assurances that my application would be approved, I was suddenly denied because I had gone over the XXXX XXXX XXXX Conforming Loan Limits when I refinanced my house in XXXX from a 8.25 % rate to 2 %, even though I have a conventional loan, not a XXXX or XXXX loan. 

I need help communicating with my mortgage servicer to negotiate a plan to make the back payments. They refuse to offer a repayment plan at all. They see a tremendous profit if they can foreclose on my house, I hope that CFPB can help me to stay in my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to XXXX . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently 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  I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

i went on line in XX/XX/XXXX and my Transunion had my car loan that i have with XXXX XXXX XXXX, but the problem was that it wasn't showing any of my payments that i made nor any the payment history and also wasn't showing the right balance. so the first thing that i did was call my bank and spoke to XXXX who is over the loans an she said that i am being reported and she didn't know why that Transunion didn't show that so i went on line thru XXXX XXXX  an filed a dispute on XX/XX/21 and as of today i check my email because it said that it was completed so i logged in to my account and they said that Transunion investigated my dispute and DELETED this from my credit report!!! so i called them today and the rep said that yes they deleted it and that i need to have my bank resend and report again on my car loan to them, i told him that they deleted it and need to put it back on so i spoke to a supervisor an he said that they cant delete anything that my bank did, .which is a lie, i told him XXXX has it and also has the correct info an why don't they and he would not help me, the file number that i had with them is XXXX so i called my bank and spoke to XXXX again an she said that they didn't tell them to delete this and that i as of today am still reporting to them. i have never had this happen to me before and i really need help to put this back on my report with them, i still owe {$15000.00} on my car loan and i work very hard to have great credit, could someone please help me with this issue, TransUnion is a nightmare. i am attaching proof of what they said to me, an my phone calls were recorded when i called today with TransUnion, i called them 2 times, first time was at XXXX XXXX spoke to a rep then got transferred to a supervisor and then i called back at XXXX and rep hung up on me. thank you for your help
Product: Mortgage

I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.
Product: Checking or savings account

Below is the summary of events : XXXX-Removed all funds from Account and called to have account closed. I was assured by the Bank of America representative that the account was closed and that I would be receiving an account closure confirmation letter within 10 business days. 
XXXX-Logged back into the Bank of America to determine and obtain any interest earned income statement for tax purposes. This is when I FIRST noticed that the checking account was still active and had a negative balance of - {$6.00}. There were deposits since my initial call from my previous employer of {$19.00} ( approx. XX/XX/XXXX ) and {$34.00} ( approx. XX/XX/XXXX ) totaling {$53.00}. The Bank charged me low balance maintenance fees for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; {$12.00} each month totaling {$60.00}. 
XXXX-I raised a formal complaint with the Bank ( Compliaint ID # XXXX XXXX stating that the account should have been closed on XX/XX/XXXX as initially asked and all my deposits should have been blocked. However, the representatives I spoke with repeatedly instructed me to pay the Bank the negative - {$6.00} the Bank negligently caused so that I can be allowed to close the account. I refused and asked to zero out the balance and close my account. Again, they suggested it would be closed and that I would receive a confirmation letter shortly. 
XXXX-Logged into account once again and saw that the account was not closed and the negative balance increased by {$12.00} ( additional maintenance charge added for XX/XX/XXXX ) to - {$18.00}. I spoke to representative " XXXX '' from Nevada ; employee # XXXX. I explained again the situation and her supervisor ; Senior Client Advocate ( who I did not speak to ) named XXXX refunded the account 2 months worth of maintenance fees ( {$24.00} ) to bring my account positive to {$5.00}. Again, they said it would be closed, I would receive a confirmation letter and the remaining balance on the account would be sent via postal mail. 
XX/XX/XXXX ( today ) -Logged into account again and saw the account was still active and spoke to XXXX from Deposit Department in Arkansas . I explained the situation once again and asked her if I would be billed a maintenance fee since the account was not closed earlier in the month and she could not answer this basic question. Her supervisor from the Consumer Deposit Dept, named XXXX ; employee # XXXX again assured me the account would be closed, I would receive a confirmation letter, the remaining funds in the account would be sent to me via postal mail and I will not receive another maintenance charge. After this last interaction, my account credentials used to access the account have been blocked preventing me from obtaining statements or any information about my account. 

To date, this is still a pending issue which I have to keep track of because Bank of America staff and processes have time and time again proved unreliable.
Product: Credit reporting or other personal consumer reports

As a consumer, I RECENTLY requested that several times that certain inaccurate and erroneous items be removed from my credit report. these items were shared without WRITTEN CONSENT PURSUANT TO 15 USC 1681 ( B ) PERMISSABLE PURPOSES FOR WHICH CONSUMER CREDIT REPORTS CAN BE ACCESSED BY THIRD PARIES ; THAT WERE DAMAGING MY XXXX XXXX, STANDING, AND REPUTATION FOR YEARS. I have requested over and over for these items to be removed, due to certain items being inaccurate, but for years now, all XXXX XXXX XXXX XXXX have failed to do so and has left my reputation in dishonor. All of the disputed Items '' have come back verified '', but AS A CONSUMER I DEMAND TO KNOW ALL OF THE STEPS TO ENSURE THESE ITEMS WERE 100 % ACCURATE. UNDER 15 USC ss 1681i ( 7 ) METHOD OF VERIFICATION- DESCRIPTION OF INVESTIGATION PROCEDURE. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. Please send the following information used to validate the items below, A COPY OF THE CONTRACT INCLUING ALL ORIGINAL SIGNATURES ON BOTH PARTIES TO EACH CONTRACT, A TRUE BILL FROM THE CREDITOR SHOWING BOTH ENDS OF THE LEDGER EVERY TRANSACTION, THE LETTER I PERSONALLY SIGNED AND GAVE CONSENT FOR ANY OF THIS INFORMATION TO EVEN BE FURNISHED ON MY CREDIT REPORT TO BEGIN WITH, OR otherwise delete them immediately, XXXX XXXX XXXX XXXX XXXX PARTIAL ACCOUNT # XXXX $ XXXX THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY XXXX  XXXX XXXX XXXX ACCOUNT # XXXX {$490.00} THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY XXXX XXXX $ XXXX THIS INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY REMOVE ALL OF THE ADRESSES BELOW FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX XXXX XXXX  XXXX MI XXXX NOT XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX IS NOT MY XXXX REMOVE IT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Hyundai Capital America 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Prepaid card

American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

This Accounts Should not be furnished on my consumer repot as they are in VIOLATION Under! 5 U.s CODE 1681b-Permissble purpose of consumer reports ( A ) in General subject to subsection ( C ) Any consumer reporting agency may furnish a consumer report under the follwing circumstances and no other ( 2 ) In Accordance with the WIRITTEN INSRTUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting Agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer i am demanding the deletion of the accounts listed immediately. 

Account type : Auto loan XXXX XXXX XXXX date open XXXX XXXX Balance {$10000.00} Account type : Collections Account XXXX XXXX date open XXXX XXXX Balance {$520.00} Account type : XXXX XXXX XXXX date open XXXX XXXX Balance {$1300.00} Account type : XXXX XXXX XXXX date open XXXX XXXX
Product: Debt collection

I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.
Product: Checking or savings account

I have been a victim of a massive identity theft and Chime closed my account without any explanation after my account was hacked and my money was stolen. They made no effort to help me or reemberse me