23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX Senior Citizen, and have been on XXXX since XX/XX/2002. I am disappointed in Experion 's methodology for Knee Jerk reactions to glitches in a XXXX XXXX XXXX XXXX, where the bank DOES NOT CLEAR TRANSACTIONS ELECTRONICALLY, NOR DO THEY SHOW PENDING TRANSACTIONS FOR ONE FULL MONTH. 
DUE TO THE KNEE JERK REACTION OF EXPERIAN ( I.E. DROPPING MY CREDIT SCORE BY 100 POINTS ), HAS TOTALLY CAUSED UNDUE STRESS AND DISTRACTED ME FROM RESOLVING THIS ERROR, BY HOSTILE " SLAMMING '' AND USING A COERCIVE/COMPELLANT STRATEGY TO USE HIGH PRESSURE TECHNIQUES TO PERSUADE ME TO APPLY FOR ANOTHER CREDIT CARD, WHICH THEY SENT IN AN EMAIL ALONG WITH THE SUDDEN DROP WITHOUT ANY EXPLANATION. JUST THE CREDIT CARD APPLICATION. 
THEY INFORMED ME THAT XXXX XXXX AND XXXX   ARE USING " OLDER '' REPORTING SYSTEMS, BUT EXPERION USES NEWER FICO SCORES. 
I THINK EXPERIAN AND XXXX  ARE DEMONSTRATING A MARXIST PHILOSOPHY ON SENIORS & XXXX PEOPLE, INSTEAD OF APPLYING THE AMERICAN 'S FOR DISABILITY ACT  FOR THOSE ON FIXED INCOME WITHOUT JOBS. 
I FEEL TARGETED, PULLED OFF COURSE, TOTALLY STRESSED, AND THIS IS CAUSING ADVERSE HEALTH REACTIONS REGARDING MY XXXX XXXX ( XXXX XXXX, XXXX, AND XXXX XXXX. ) EXPERIAN SAYS THEY TREAT " EVERYONE THE SAME '', AND INSIST THAT SENIORS & XXXX PATIENTS MUST OWN @ LEAST 4-5 CREDIT CARDS AND REAL ESTATE TO HAVE A CREDIT SCORE ABOVE 700. 
SO FAR, EVERY SINGLE CREDIT CARD I HAVE BEEN APPROVED FOR, HAS SOME TYPE OF HIDDEN ENTRAPMENT SCAM OR FEE OR GLITCH THAT WOULD CAUSE ANYONE TO RACK UP UNKNOWN FEES OR BALANCES IN EXCESS OF WHAT IS SHOWN ON THE ACTUAL STATEMENTS. 
FROM ALLOWING THE CREDIT BALANCE TO GO OVER THE LIMIT WITHOUT THE CONSUMER 'S KNOWLEDGE ... CONVERTING THE RELATIONSHIP TO A PREDITORY AND COERCIVE ONE, LEADING TO EXCESSIVE FEES AND UNECESSARY LOANS. 
AS I EXPLAINED TO THE EXPERIAN AGENT, I MIGHT DO BETTER TO ENLIST WITH A LOAN SHARK, SO I WOULD AT LEAST HAVE FULL DISCLOSURE OF HOW I AM BEING TAKEN ADVANTAGE OF.
Product: Credit reporting or other personal consumer reports

I requested the again correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

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

XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from XXXX and Transunion, and I noticed several credit inquiries listed that I did not authorize. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud. 

The unauthorized inquiries were made on XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XXXX I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

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

Bank of America, fraudulent account opened, XX/XX/XXXX- {$37000.00} - A fraudulent account was opened in my name at Bank of America. 

XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {$12000.00}.
Product: Credit card

I have a XXXX XXXX mileage plus credit card from Chase. As part of the benefits of the credit card each year the consumer receives XXXX XXXX XXXX passes. These passes have an expiration date on them. However, in the past XXXX has look the other way to use expired passes ( not every time though ). The consumer pays an annual fee each year the credit card account is open. If the passenger/consumer cant walk into a XXXX club with a day pass then why should the consumer be charged an annual fee from Chase? During the past several months XXXX XXXX has disavow/refusing day club passes at various airports ( that come with its co-brand credit card ) access to open lounges in XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, etc ... while the airline renovates other lounges in the same airports. Poor passenger experience and signals that cobrand cardholders are second class customers. Even if a consumer/passenger is flying on a paid walk up, last minute prem. XXXX First class ticket and showed XXXX of the XXXX passes, still denied entry! Last month in XXXX I was flying to/from XXXX XXXX XXXX and XXXX failed to renew liquor license so XXXX dry days at XXXX XXXX Airport. The gaffe affected XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. The XXXX club in terminal A could have served alcohol, however its closed for renovation. Looks like Mileage Plus is a now a second tier program. I guess co-branded Chase Airline/Club cards are the next whack.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with XXXX on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through XXXX for years, but this is an issue that is encouraging me to refinance my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIdland Funding ( Supervisor XXXX XXXX, XXXX ) and XXXX XXXX ( XXXX ) have pursued legal action and have been successful in garnishment of my wages. My employer has verified satisfaction of the garnishment. Ive reached out to both creditors asking if I could receive a letter of satisfaction being as though the debt was satisfied and was advised the account will not be updated until the money is actually received from the courts. Midland Funding through the online court system verified satisfaction of the debt and still wont update. Im not even sure how they are able to pursue such action as they are NOT the original creditor. Ive pleaded with both companies being as though Im in the process of purchasing a home and this is delaying the process and neither would budge, my employer was willing to furnish this information and that wasnt enough. My back is against the wall, not only will they not furnish a satisfied letter, they wont update the credit report. As the nation is facing this crisis Ive reached out to the courts to confirm receipt of wages and unfortunately unsuccessful as well. Im asking for your assistance in this matter.
Product: Checking or savings account

Unfortunately, I am sending this message for your help because this matter is very time sensitive. I need an answer or resolution ASAP. I have tried everything I could think of with the bank over the last 7 days when I found out the issue 7 days ago. 

On Monday XX/XX/XXXX, I went to the XXXX XXXX, at XXXX XXXX XXXX, XXXX, CT XXXX of the M & T Bank ( Manufacturers and Traders trust company People 's United bank ), to go into my safety deposit box to get my passport. I was going on a trip and needed to get it renewed because it expires before my trip. I have owned the safety deposit box for over 25 years at the same location and a total of 40 years with the bank at another location. I was meant to be the only person who has access to it and have been the only person with a key to it. 

I was informed that it was closed out my someone in XXXX but at the time they would not confirm who it was or when it was. They said the lock had been broken into because the person did not have a key and the box did not exist anymore with all my legal documents, passport, my birth certificate, deeds to my home, car titles, bonds, family heirlooms, jewelry, and many other items to long to list here. Over almost 38-40 years of legal documents. 

I asked who closed the safety deposit box and if I could any documentation of the box being closed permanently and not existing anymore. Basically, who had my contents of my safety deposit box. The bank stated all paperwork including a notarized paper by the bank, were the bank 's " internal documents '' and were not given out to the owner of the box without a subpoena from my lawyer. I am not sure if the person who stole the contents of the box has any paperwork from the bank. 

I have tried every day in the last week to get the documents of the closing of the safety deposit box, but they are not currently assisting me to get the paperwork without a lawyer 's subpoena. I find this outrages because it was my safety deposit box and I did not close it. The contents were taken out of there without my consent and the box was closed permanently without my consent. 

I could use your help in any way I can. I what to find out officially who gained access to the box. I have my suspicions, but I need to know officially. I would also like to get my passport and original birth certificate in order to get my passport renewed or new one. Neither I can do without the stolen documents in the safety deposit box. 

Thank you and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

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

Mohela Federal Student loans is still reporting a balance of over {$160000.00} on my credit reports. I disputed, and they finally corrected one report, but then it reappeared. I have submitted the letter from the Biden Administration forgiving my student loans. I have confirmed that my loans are indeed forgiven. It has been over 6 months, and Mohela has been put on notice that they are violating credit reporting laws by continuing to report a balance owing. I have requested several times that they correctly report the information to all three credit bureaus. By inquiring online, this seems to be an ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

CAPITAL ONE is in violation of 15 U.S.C. 1666 ( b ), which govern the timing of payments and grace periods.

Under the law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request - 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I have the right to request that you stop contacting me about this matter.

I do not wish to receive any further communications from Portfolio Recovery Associates, including, but not limited to, phone calls, letters, or any other form of contact. This request is being made in accordance with my rights under federal law, and you are legally obligated to comply.

Please take notice that if you continue to attempt to contact me in any manner after receiving this letter, I will consider this a violation of the Fair Debt Collection Practices Act and may pursue legal action against you for harassment and other potential violations. Further, I will also file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general 's office if necessary. 

This letter does not waive any of my legal rights, nor does it acknowledge the validity of the alleged debt. I also request that you immediately cease reporting any inaccurate or unlawful information regarding this debt to the credit bureaus. 

Please provide written confirmation that you have received and are adhering to this request within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 when making electronic payments ( as I always do and have ) somehow it did not go through for that month, I continued to make payments following months unaware that XX/XX/XXXX 's payment was missed as soon as I realized I made the payment in full to catch up. I have been a long time customer, would appreciate if you would remove this asap as I'm going to be purchasing a car ... this is the only item lowering my FICO scores and it's from couple years ago. 

My bank understands this but say they are unable to correct this issue directly with Experian Burial as they don't correct information online. Why would that be? All I see is Experian soliciting to get new credit cards and other advertisements on their site that appear to be misleading to the consumer. Other to major Burial show much higher FICO scores, I don't see any reason for my credit to be this low?
Product: Student loan

ACS, a student loan lender failed to acknowledge my in school deferment and sent XXXX of my loans to collection, which put them in default. I only found out about it after applying for financial aid for the upcoming year. The FAFSA website told me to call XXXX. I called and spoke to XXXX to try to resolve the situation. XXXX told me that they are getting ready to garnish my wages. I told them that my family and I would not be able to live if they did that. I also told them that I 'm supposed to be on in school deferment, they should have never gotten the loans. At first, XXXX told me to fax them my taxes to do a voluntary repayment plan that I could afford. Than XXXX told me I needed to call ACS and tell them to do a repurchase because I was in school. I called ACS, and was told, " NO '' they were not going to do that. They did n't even want to help me. I think the representative said one sentence to me the whole time I was on the phone with her. I called XXXX and told them they would not do it and that they were not helpful at all. XXXX than told me to file an appeal and send documentation from my school showing that I was in school. I was told I would hear something within 30 days. I filed the appeal electronically through email that was given to me by a XXXX representative ( XXXX ). It has only been approximately 2 weeks since I filed the appeal. I have since then, received notification from my employer that they are garnishing my wages for this. What happened to the appeal? This is absolutely unacceptable. Why was I not able to defend myself at that hearing? What about the rights for the students? And, where is the guidance and assistance for students. I have a half a dozen other lenders that all have me on in school deferment. Everyone seems to be just passing the buck. This is outrageous. I ca n't even begin to tell you the undue hardship that my family is enduring because of this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Credit reporting, credit repair services, 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 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: Checking or savings account

My account was closed cause of fraud which somebody stole my card i could not open bsnk account nomore and trying to get it back for work. I didnt have no amount i think i know i lost my card snd somebody used it. I will pay anything to get it back i need a bank account