23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX, i purchased a service package from XXXX XXXX which was financed through XXXX XXXX which is owned by Synchrony Bank. I have paid {$1400.00} and still owe a balance of {$2500.00}. The service I purchased from XXXX XXXX is unavailable. The location here : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Every attempt to schedule has been met with a cancellation. I have asked both XXXX XXXX and Synchrony to cancel the contract as I was deceived into pre-paid package and am unable to receive the services.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX24 acquired XXXX XXXX XXXX from XXXX of XXXX KY and commenced loan with Toyota Financial Services. XXXX days later returned to dealership with a rattling dashboard. Returned two more times as they said they could not replicate noise. They ordered another suv. Picked it up XX/XX/XXXX2024 and was told a new credit application and loan was necessary. I refused and they refused me the suv. I asked why they did not rebook the loan. They did not answer. I complied under duress as I had no other form of transportation. My score dropped from XXXX to XXXX and I have XXXX auto loans on my credit bureau reports. They also raised my APR 50 basis points. They stated that they adjusted the principal to match the original payment. Yesterday they refused to correct my FICO score and credit bureau reports. A technician said they did same to another customer.
Product: Credit card or prepaid card

Received a letter date XXXX from Bank of America stating they were working on an application for the Bank of America Rewards Visa Signature card and needed to verify information. They gave a contact phone number as well as contact information for XXXX. I contacted XXXX  and requested they put a fraud alert on my account my bank debit card had been compromised in XXXX. I was issued a new card and the fraudulent charges to my bank account were reversed. 

Please note I am reporting this as possible attempt to steal my identity based on the debit card incident. I have never banked with Bank of America nor have I ever requested any type of charge card from that institution. I will be making a police report on XXXX as well and filing that with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXXXXXX 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

7 Fraud accounts that continue to report on my Experian credit Report after years of disputing the Fraud   with the credit report and creditors which was due to the XXXX  Breach and Experian Neglected to correct and update and remove these fraud accounts from my Report. Account from these creditors are Fraud, XXXX {$5000.00} # XXXX, XXXX XXXX {$5000.00} # XXXX, XXXX XXXX   {$740.00} # XXXX, XXXX XXXX XXXXXXXX XXXX  {$1400.00} # XXXX, XXXX   {$260.00} # XXXX, XXXX {$570.00} # XXXX, XXXX {$330.00} # XXXX
Product: Debt collection

I have filed a lawsuit against XXXX XXXX, XXXX and InDebted USA, Inc, Case number XXXX for violation of the FDCPA, MCPA, and Invasion of Privacy.. 

I want to know if The Defendants are willing to agree to waive service? 

*********See attachment**************
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 NUMBER : 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 : 1. NAME : XXXX XXXX XXXX / ACCOUNT NUMBER XXXX 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, so I require you to send me all the documentation to prove that this information is accurate. 
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 reporting or other personal consumer reports

Dear Equifax Credit Bureu My name is XXXX XXXX, and I am writing to dispute two hard inquiries on my credit report that I do not recognize. The inquiries in question are as follows : 1XXXX XXXX XXXXXXXX, dated XX/XX/XXXX XXXX. XXXX XXXX, dated XX/XX/XXXX I want to clarify that I do recognize a separate inquiry from XXXX  XXXX on XX/XX/XXXX, which I am not disputing. However, the two inquiries listed above are unfamiliar to me, and I believe they may have been made in error or without my authorization.

I respectfully request that these inquiries be investigated, and if determined to be inaccurate, that they be removed from my credit report. 

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

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen and used against my rights. Someone has opened credit cards in my name and also applied for many lenders to the point i have multiple inquires on my report. I never authorized for any of these inquires or credit cards to be on my report. Please remove these accounts and inquires immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the Experian, XXXX and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Product: Checking or savings account

I opened an Ally Bank account to take advantage of the {$200.00} welcome bonus and to try the bank out. I met the direct deposit requirement, which they have confirmed multiple times. This was on XX/XX/. I was supposed to receive the bonus within 30 days. It is now close to a month later. I have called multiple times, been told its escalated, been told by their XXXX account I would be contacted, etc. I have not been. They only tell me its a busy promotion. Thats ridiculous. They have failed to live up to the agreement.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX states that they are reporting to Equifax but equifax hasnt changed my information since XX/XX/2023. This is preventing me from obtaining a mortgage loan. I have made on time payments and my credit limit has increased. Please address this issue
Product: Debt collection

I just discovered multiple, unauthorized transactions on my Chase Checking account from XXXX. I contacted my bank, Chase and spoke to XXXX Chase Bank Representatives about the 36 unauthorized charges from XXXX, XXXX CA. Chase Bank Representatives looked into the charges on my checking account and transferred me to the Claims Department. The Claims Department Specialist closed my chase credit card and put in another new card for me to receive. I received the new Chase credit card on XX/XX/19. I explained to the Chase bank Representatives that I did not makes any purchases with XXXX nor use my chase credit card on XX/XX/19. However, the unauthorized charges from XXXX are still on my Chase Checking account. Chase Bank allowed XXXX XXXX to withdraw all of my funds out of my checking account. I am in the negative status. Why would Chase Bank allow XXXX to gain access to my funds that is unethical.
Product: Payday loan, title loan, or personal loan

the lender charges a late fee of XXXX dollars every month as I am making my payments of XXXX dollars on time. They say that i should pay XXXX dollars every month on a balance of XXXX dollars. They minimum amount due is excessive and their practices really against any expectations from the US consumers. This is a XXXX XXXX company tied up with XXXX. I did not expect the latter company to subcontract with non usa based companies as i used them to see a football game in XXXX. XXXX vs XXXX. Foreign lenders need to clearly disclose they are based overseas. The company is called Klarna.
Product: Mortgage

Last year when I was giving an opportunity for a forbearance due to my father passed away from XXXX XXXX XXXX servicing company alloyed me three months to pay from XXXX a month to XXXX and I completed that process and then I started making my regular payments then XXXX was showing for now 10 months as if I havent made a payment which did come out of my checking account and then XXXX XXXX sold my account to another agency called Sn servicing Corp and I was on another 3 month forbearnce due to the passing of my brother of covid and I continued to pay per the agreement for three months XXXX versus XXXX which then they increased to XXXX which was higher than what my I signed for in my original loan contract in 2004 with my mortgage and I have taken notice that both companies are making adjustments not to escrow put to my interest and principal that I signed for legally in a contract of my mortgage. Im extremely upset that these violations are being allowed with out being audited when a transfer of loan is being sold to another servicing company. I have emailed and contacted Sn servicing at the following number XXXX to speak to someone to get this fixed and I have left a message and emailed them and no one has done anything regarding this. Im extremely concerned of the recording keeping of my loan and the hassle Im going through. I contacted XXXX XXXX at XXXX a text XXXX and no call back or anything at all. This is stressful and shouldnt be happening at all its been a little over a month of losing my sibling to XXXX and no one should have to go through this ever.
Product: Checking or savings account

Open Citibank checking account through promotional offers. Follow the institution 's instructions to deposit and fund the new account. Activated the debit atm card, activated XXXX payment transfer, and set up the required enhanced direct deposit. XXXX days later was blocked and locked out from mobile and online banking. Customer service did not help or explain the situation. Was told account under review in fraud department. XXXX day later still no access to funds. The next day, I received an email of the account involuntary will be closed and funds would be returned in XXXX  days. 

Reported to with Citi Executive Response Unit Case XXXX XXXXXXXX
Product: Debt collection

I am writing to formally dispute an item listed on my credit report regarding an alleged outstanding balance from XXXX XXXX XXXX. 

The charge in question relates to a device that I purchased under a monthly installment agreement. I later requested that all devices on my personal XXXX XXXX XXXX account be transferred to a business account under my name. While other devices were properly transferred, one device was mistakenly removed from the installment plan due to an XXXX XXXX XXXX employees error. 

XXXX & XXXX then billed me for the full remaining balance of the devicedespite no agreement or consent from me to modify or terminate the installment plan. I have contacted XXXX XXXX XXXX  multiple times in an attempt to resolve this issue, but the company has failed to correct the mistake. 

I am disputing this collection on the grounds that : I did not authorize or agree to the removal of the installment plan. 
The original contract was altered without my consent. 
I attempted to resolve the matter directly with XXXX XXXX XXXX, but they were unwilling or unable to correct their mistake, after talking to MULTIPLE people trying to fix the issue. 
This charge is inaccurate and unfairly impacts my credit. I request that you investigate this matter and remove or mark this account as disputed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please let me know if you require any supporting documentation, and I will be happy to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 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 -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT 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: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX and XXXX violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise XXXX and XXXX refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company. 
I found these Accounts being reported in error on my credit profile for XXXX and XXXX : 1. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX 3. USAA FEDERAL SAVINGS B Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 4. USAA SAVINGS BANK Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have no knowledge of this account. I have made several attempts for them to send me a signed document stating that I have any business with them. Please remove immediately.
Product: Credit reporting

On XX/XX/2017 I requested an increase to my XXXX account and was told by the credit department that they tried to pull an Equifax Report but where unable as there was a security block placed. I was quite shocked because I did n't authorize the block so I did n't know how to respond. I have requested both 1 ) a copy of my current report as I was declined by the XXXX and 2 ) a signed copy of the person or entity that authorized the security block.
Product: Credit reporting or other personal consumer reports

I have disputed my name and address with Transunion, XXXX, XXXX, for the past 9-10months, asking for my information to be updated.I sent proof of Identity with the one & only birth name I was given. This is the statement below I sent to all three credit bureaus. They continue to cause me LIBEL DEFAMATION OF CHARACTER. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please delete all other addresses & names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address and name with the one above. 
15 USC 1681 a There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theConsumers right to privacy. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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. 
The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Product: Debt collection

Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Credit Pull by Monterey Financial Services LLC Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint against Monterey Financial Services LLC, a collection agency that has appeared in my credit report as having accessed my credit information without my consent or any permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to my records and recent credit report obtained from XXXX, XXXX, and XXXX, Monterey Financial Services LLC accessed my credit report in 2024. 
Under 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions. These include : In response to a court order. 
With written instructions from the consumer.

For credit transactions initiated by the consumer.

For employment purposes, insurance underwriting, or legitimate business needs in connection with a transaction initiated by the consumer.

As none of these conditions apply, I believe Monterey Financial Services LLC is in violation of the FCRA for unauthorized access to my credit file. This unauthorized inquiry has not only invaded my privacy but may also negatively impact my credit score. 
In addition, Monterey Financial Services LLC is not licensed in XXXX, and is not authorized to collect debts from me. I have the right to request written validation. I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against Monterey Financial Services LLC. Additionally, I am requesting the removal of this unauthorized inquiry from my credit report and assurance that no further unauthorized access will occur. 
Please do not hesitate to contact me should you require any further information or clarification. 
Thank you for your attention to this matter and for protecting consumer rights. 
Sincerely,