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

Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute an inquiry on my credit report that I believe to be unauthorized and in violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). The inquiries in question appears on my credit report under the name of [ 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 ] needs to be deleted immediately .

Upon reviewing my credit report, I discovered this inquiry, which I did not authorize nor have any association with. As per the FCRA, access to my credit report is only permissible for specific purposes outlined in 15 U.S. Code 1681b, and I have not granted authorization for this particular inquiry.

I request that you promptly investigate this matter and provide me with detailed information regarding the source and purpose of the inquiry. Additionally, I demand that this unauthorized inquiry be removed from my credit report immediately, in accordance with the provisions of the FCRA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, as well as any supporting documentation relevant to this dispute.

I expect your full cooperation and prompt resolution of this matter within the time frame specified by law. Please inform me in writing of the results of your investigation and any actions taken to rectify this issue.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

There hide to keep the dispute away from resolved by me
Product: Mortgage

XXXX was raised in the beginning of XX/XX/2024 from XXXX to XXXX now XX/XX/2024 raised again to XXXX. They Sy due to inflation but no real reason taxes and insurance is around the same interest XXXX escrow XXXX principal XXXX and they going no one else mortgage is going up around me just mine and I believe there going to go up again. I feel there stealing and their is a problem with the fees there charging my my loan amount was XXXX now its XXXX interest paid last year was XXXX the principal paid last year was only XXXX which is a problem it supposed to be a fixed rate my mortgage has well up XXXX  in XXXX from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX Update the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

My Credit Card account was frozen in XX/XX/2025 due to my last name being changed due to me being married. The company requested a handful of documents to verify including : social security cards, marriage certificate, state ID, bank statements. Of which these I all provided. Once I provided all of these documents I was told these would only take 7 to 10 business days to review and unlock my account. Over 4 weeks later I am still being given the generic response above. The company is refusing to accept a payment for the credit card and now my credit score has decreased because they are illegally reporting it as unpaid when the company themselves, refuses to accept payment. I have additionally requested multiple times to speak with. Manager and have since not been contacted even though I was promised I would be contacted within 24-48 hours.
Product: Credit card

I had a card opened in my name without my consent. I have tried to talk to them but they will not help they just damage my credit and tell me have a lovely day
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.
Product: Debt collection

I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.
Product: Mortgage

We sent a check of all past due on XX/XX/2017 TO AVOID FORECLOSURE and today we were served with court documents. 
We have been doing everything they ask of us and now the mortgage co. Says they thought the check was " for repairs ''? 
The legal fees are adding up as well. 
Please help!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit file. A detailed list of these items is attached for your reference.

As a victim of identity theft, I have discovered multiple unauthorized accounts and inquiries on my credit report that I did not initiate. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported this identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit card

My husband and are Citigold customers - preferred customers based upon aggregated balances with Citibank ( in excess of $ XXXX XXXX. We 've been told numerous times by branch employees as well as Citigold account representatives that with being a privileged customer comes special benefits. One of those benefits is no foreign transaction fees. We were told this on numerous occasions and it applied to all of our Citi products. 

Recently my husband and I were traveling overseas and used our Citi credit card and learned that a transaction fee was charged. Immediately upon our return to the states we contacted Citi bank to alert them to the information we received and we were told that 's not accurate for all products. This seems unfair and deceptive. I kindly asked Citi to make a one time concession for us and they have refused. 

Given the misinformation we received on numerous occasions, I believe Citi is not being clear and transparent with their customers. If this benefit only applied to certain products, then we would have used those products - we have multiple cards with Citi where it does apply. 

I 'd like Citi to refund our foreign transaction fees and be clear with customers on what it means to be Citigold and what it does not mean. And I 'd like them to educate all of their departments on the differences. Instead of just passing the buck of blame to someone else internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized this company to get my credit report
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and 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 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 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 XXXX4 15 U.S.C 1681 section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Staes 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 consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s- 2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX original complaint. Company has been reporting my 90-120 days late since XXXX, while I was making trial payments for a modification due to incorrect information given at the time the loan. Was sold to XXXX. Now they have sold the loan again to XXXX XXXX. I have made ALL PAYMENTS AS AGREED since they finally completed their paperwork and set up a 3 month payment trial and modification that was for medical forbearance after ONE LATE PAYMENT. There was NEVER a 90 day delinquency. I can not get a job now or even apply to refinance and I am desperate for this to be corrected. XXXX originally sent a response saying they never reported me late in the first 60 days so the complaint was not valid. I am disputing the CONTINUED report owns even as recently as XX/XX/year> as a 90-120 day delinquency when they SOLD THE LOAN in XXXX to XXXX XXXX. They should not even have reported delinquency at all as I have complied with all their orders and requested .info while out dealing with a major health emergency. Please help this has DESTROYED my credit- I went from a XXXX XXXX a XXXX showing 90 days late still for the last 4 months while I was PAYING as agreed
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an unauthorized hard inquiry on my credit report. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my TransUnion Consumer Solutions credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit card or prepaid card

I had some authorized charges on my Bank of America credit card which I have been using for 13 years. I called the bank and filed a dispute. There was a transaction from XXXX XXXX XXXX in XX/XX/XXXX for {$220.00}, XXXX in XX/XX/XXXX, {$110.00}, XXXX in XX/XX/XXXX {$100.00} and 3 transactions from XXXX for {$110.00}, {$390.00} and XXXX. I did not authorize these transactions. The bank went ahead to close the claim stating that my card was swiped. I do not have any other person authorized to use my card.
Product: Debt collection

Radius Global Solutions has reported an account or XXXX XXXX  in the amount of {$870.00} on my credit report. This is false information this is not an amount that I owe. My final bill with XXXX was {$78.00} which was paid! I also returned all of their equipment. XXXX has asked me to ask Radius to sent the account back to them so that they can adjust the amount and Radius has refused to do so. This is very unethical and wrong. I need this corrected,
Product: Student loan

I have two private student loans with Sallie Mae ( formerly XXXX ) that were opened on XX/XX/13 and XX/XX/13 that I am seeking relief for. 

XXXX knew that my university ( University of XXXX ) was engaging in illegal practices and decided themselves to engage in predatory lending practices knowing that the chances of paying off the loans were slim. My university and XXXX purposefully misrepresented graduation outcomes/partnerships to trap students like myself into expensive private/public student loans that could never be replayed or at such high interest variable rates that payment would never be able to bring down the principal balance. They ultimately settled with XXXX state Attorneys General but, due to technicalities in the settlement ( i.e. I wasn't in default ), I was unable to seek relief for their illegal behavior so I am asking the CFPB to get involved. 

More information on the settlement can be found here : XXXX XXXX XXXX XXXX on the FTC Finding can be found here : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my New York State Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies. 

Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report. 

Furthermore, I exclusively use my current address, as provided on my valid New York State-issued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ). 

Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete. 

Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report. 
2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data.
Product: Money transfer, virtual currency, or money service

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XX/XX/2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk.