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

Dear CFPB, I am writing to express my frustration and seek your assistance in removing unauthorized hard inquiries from my experian, XXXX and XXXX credit reports. Despite repeatedly explaining to the credit bureaus that these inquiries were not authorized by me, no action has been taken to resolve this matter. These unauthorized inquiries are negatively impacting my credit score, and I urgently request your intervention to have them removed immediately. 

Below is a list of the unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these inquiries and have never given my consent for these companies to access my credit information. I have contacted the credit bureaus and the companies in question to no avail. The unauthorized nature of these inquiries constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Your assistance in resolving this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Product: Credit reporting or other personal consumer reports

I opened a Self XXXX XXXX account and a XXXX XXXX account bot of these accounts had a XXXX  account and a card account, I would pay a monthly payment to myself into my XXXX XXXX accounts until I paid the total amount out to withdraw and in doing so the company reports a record of credit to the credit bureau, I paid my XXXX XXXX  accounts out for both XXXX XXXX XXXX XXXX  and Self XXXX XXXX and withdrew my savings of my payments to my bank account and closed the accounts the XXXX XXXX accounts and the card accounts but both companies have reported to the credit bureau that I have an active and negative account making my credit score drop very low, but the report is false and I have tried to dispute this with the credit bureau and the XXXX XXXX XXXX XXXX and SELF XXXX XXXX  but this is still an unresolved issue still showing negative on my credit report, can you please assist me in resolving this issue, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affect by the coronavirus pandemic. I contacted the lender multiple times to inform them of my situation and made partial payments. However they reported on my credit report my payment was 30 days late in XXXX and XXXX. You would think in These difficult times as a mother who lost more than 50 % of my income they would be more understanding. When I compare the total that was paid in their website and what was reported on my XXXX credit report they don't coincide. When I called and asked for a report of what was paid and what was due. They refused stating it would only confuse me. They payments were never more than 30 days late if they would have reported the correct days according to their website.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and Experian in XX/XX/2017 that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. Perhaps this person was new at Experian and hit the wrong programmed reply button.
Product: Checking or savings account

I have an account at Wells Fargo and attempted an EFT transfer to Truist of {$100.00} that was denied on XX/XX/19 even though I verified the transaction through text message. Now as of Last night Wells Fargo shut off my virtual card through G pay for no apparent reason and would not give me an explanation why. I have multiple bills that are paid through my XXXX XXXX virtual account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I've had my account and funds locked in the account for over a month now. The bank told me there was a security issue with my account which was due to a website I entered my card details into. They locked my account and said they would send me a letter to confirm my identity. Told me it would take 10 business days to receive and it has been over 20 business days without receiving a letter. When I called back Wednesday XX/XX/XXXX they confirmed my phone number and told me it would take 48 hours to clear my account. However when I called back today they told me they could no longer service me and were closing my account then hung up on me. I have a little over XXXX  dollars in the account and have no idea how to get my funds. All these issues are with Citibank and could be resolved easily. However even when I go into the physical bank and show proof of who I am they say they can do nothing without the customer service and fraud department giving them the okay. I've been hung up on on multiple occasions and feel helpless with the people I entrusted my money with. This is very unconstitutional and unprofessional and I would like the issue to be resolved immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I contracted XXXX to dispute error on my credit report upon finding out about the Data Breech of my information as stated : Letter for Collections Attention : Credit reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive requested a 1099C, Debt Validation Letter with contract Signature for these accounts.This account must be deleted as the status is not correct, the amount is not correct and the account was Paid for less than owed by the Third Party Debt Collector. 

As you can see by my attached credit reports and highlighted issues. This information is Not Correct & Not Accurate. Therefore it must be deleted Immediately. Here is the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also. 

How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation the FCRA as this is not accurate or complete. Delete This Immediately! Ive already submitted a complaint with Federal Trade Commission ( FTC ) XXXX XXXXXXXX as data breech leaked my personal information. 

Thank You XXXX XXXX
Product: Student loan

I was away for work while on in-school deferment ( XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ; registered for classes for Fall XXXX ). Around the time I came back, I was informed that my account would be set back to repayment. My company offers tuition assistance but only twenty days from class start. The student loan servicer only offers deferment while actively in-class or two months prior to class start. They also use Student Clearing House ( SHS ) for enrollment verification, which only updates twice a year. I confirmed this by paying for an enrollment verification letter and asking about the update via email ( XXXX XX/XX/XXXX ). I asked for a month forbearance until I can pay for the class to register ( approved XXXX XX/XX/XXXX ). I paid and registered, the loan went into repayment, and I attempted to communicate this to the loan servicer ( XXXX XX/XX/XXXX ). They checked SHS with the enrollment change outside the report period and informed me that I would need to get my school to populate their form. I informed them that previously, the school refused to populate the form. They recommended I provide what I can. They reported negative repayment activity on my credit ( XXXX XX/XX/XXXX ). I forwarded a screenshot from the student portal flagging my enrollment ( XXXX XX/XX/XXXX ). I needed to call to learn that they rejected my documentation because it lacked XXXX or XXXX details that seemed pedantic or superfluous. I got the form and peppered my registrar with calls begging and pleading to get this form populated ( XXXX XX/XX/XXXX ). They eventually get it populated and send directly to loan servicer with me on copy ( XXXX XX/XX/XXXX ). They sent a response today ( XXXX XX/XX/XXXX ) indicating that my letter was rejected because it did not come from the email on my account despite the form being populated with my contact information, account number, and social security number. I responded asking for explanation and indicating that I am submitting this complaint ( XXXX XX/XX/XXXX ).
Product: Checking or savings account

My account with XXXX was transferred to Citizens bank due to a merger between the companies ( XX/XX/2022 XXXXish ). I signed up with XXXX for an account that did not allow overdrafts. If XXXX allowed my account to overdraft, it was their fault and so they did not charge me overdraft fees. When Citizens acquired XXXX, they took it upon themselves to change my account to one that allows overdrafts and overdraft fees ( since it's a way for them to earn more money ). When the ONLY branch in Maryland closed for remodeling, I was forced to change my {$7000.00} monthly direct deposit to a bank with actual branches. However, I still had some small {$30.00} bills that auto-pay from the Citizens account so I would XXXX  the XXXX money to cover those expenses. 

On XX/XX/XXXX, a monthly auto-pay subscription charged my account {$5.00}. This caused an overdraft of {$3.00}. Then, two more smaller transactions occured bringing the total overdraft to {$6.00}. I was charged a {$35.00} fee for this {$6.00} overdraft. On XX/XX/XXXX, I was notified by Citizens that my XXXX account was deactivated. This made it very difficult to get actual cash into the bank to cover the {$6.00} overdraft. From XX/XX/XXXX- XX/XX/XXXX, I was charged an additional {$90.00} in overdraft fees for " extended overdrafts ''. When I called about XXXX on the XXXX, customer service did not notify me of my overdraft or the potential of additional fees.They offered no assistance or advice on how to remedy the loss of my XXXX. 

For an overdraft of {$6.00}, I have now been charged {$120.00} on a 15 day overdraft of {$6.00} ( equivalent to an interest rate of more than 1800 % ). I called and although I never agreed to an account that allows overdrafts, I was told I was automatically assigned to this account type. The EverValue Checking account offered by Citizens does not allow overdrafts and, therefore, does not charge overdraft fees when Citizens CHOOSES to allow the account to overdraft. THIS would have been the most equitable account to transfer me to from my similar XXXX account. 

I am requesting the {$120.00} in overdraft fees to be refunded as 1800 % on a 15 day loan of {$6.00} is excessive and unfair. Other banks do not charge fees when you overdraft less than {$5.00} ( the initial overdraft was {$3.00}, less than {$5.00} ) and some are less than {$10.00}. Citizens is taking advantage of unsuspecting XXXX customers who were not previously allowed to overdraft and gouging them with unreasonably high fees. Additionally, on XX/XX/XXXX, I was not informed that my account was overdrafted and I was at risk of having additional fees charged when I called about the XXXX deactivation.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Cavalry Portfolio Services Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX Act. # XXXX XXXXXXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX Act. # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate employment and address information appearing on my credit report, which does not belong to me and must be corrected immediately. My correct employer is XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other listed addresses are incorrect and must be deleted to ensure accuracy. Under the Fair Credit Reporting Act 15 USC 1681c, consumer reporting agencies are required to maintain only accurate and verifiable information in consumer reports. However, my report contains incorrect employer and address details, which can cause confusion, misrepresentation, and potential harm to my credit profile. I am requesting that my credit report be promptly updated to reflect only my correct and verifiable current address and employer, and that all incorrect addresses be removed. Additionally, I urge a thorough review of my report to ensure no further inaccuracies exist. Failure to correct and maintain accurate records is a violation of federal law, and I expect immediate compliance.
Product: Mortgage

AmeriHome Mortgage sent me XXXX Loan Statement, which I paid, and then transferred my loan to XXXX, also effective XX/XX/XXXX. By doing so, AmeriHome created a situation that forced me to pay my XXXX payment twice, but only get credit for it once. AmeriHome is now retaining that last payment, while refusing to provide my payment history. 

This situation was caused largely by AmeriHome sending my XXXX statement too early. It was dated XX/XX/2021. I paid the full XXXX payment online and received a confirmation number. The very next day, I received a notice by regular mail that my mortgage had been transferred to XXXX Mortgage, effective XX/XX/2021. 

When my XXXX mortgage statement arrived, it was also for the month of XXXX. It did not reflect the XXXX payment that I had already made to AmeriHome. It shows the exact same principal balance, as if the last payment to AmeriHome was not made. But, it was made and I have the confirmation number. 

I contacted both companies. XXXX indicates that they are working off of the information they got from AmeriHome. That makes sense because I received the XX/XX/XXXX AmeriHome statement just one day before the notice of the transfer to XXXX. 

When I spoke to the AmeriHome representative on the phone, she acknowledged that my payment was received, but she says it must have been applied to a prior month. This suggestion is inconsistent with the statement balance : the AmeriHome XXXX statement ( dated XX/XX/XXXX ) reflects the principal balance that matches my first XXXX statement balance. There is no way that AmeriHome applied my last payment correctly. They just kept the money. Also, it does not match my own payment records or the statement I was sent, so I asked AmeriHome to provide a payment history. 

That was three weeks ago, and AmeriHome has failed or refused to provide it. When they provide it, it will not support their position. AmeriHome owes me that payment. AmeriHome also deactivated my online account when they transferred the servicing of my mortgage to XXXX, so I can not get access to my payment history there. 

Because I did not want this to affect my credit, I was forced to make the XXXX payment again, but the second time to XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

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

I contacted Experian and XXXX on XX/XX/XXXX to Remove negative information, collections, and closed accounts. as well as address reporting on my credit report that was also tied to fraudulent accounts, also the name reporting wrong upon doing so. I experienced with them nothing but threats and coercion to keep the accounts reporting. ( Collection Accounts ) XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Account number # XXXX Balance {$610.00} XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX balance {$740.00} account number XXXX I also told them that I would like the reporting accounts to be removed from my accounts based on the fact that I am a victim of identity theft. I also added a personal statement to my report stating that I am a victim. Upon removing that same Statement all the disputed accounts were subsequently updated. My rights have been seriously violated. Along with these companies not abiding by XXXX XXXX XXXX XXXX  ) as well as the ( FCRA )...
Product: Credit card or prepaid card

This is a complaint being filed on behalf of my mother-in-law who has a credit card with XXXX  XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Ohio. According to her, she only used her card for one purchase, which according XX/XX/XXXX or XX/XX/XXXX was for {$1300.00} as of XX/XX/XXXX. However the statement listed her balance as XXXX even though she was paying her bills. After talking with a representative of the credit card company after my mother-in-law gave her permission, I was instructed to send a letter to obtain copy of her payment records to the address above. I sent two letters that has my mother-in-law 's signature -- XX/XX/XXXX and XX/XX/XXXX mailed on XX/XX/XXXX. Payments were included with the first letter and were process according to her next bill. The XX/XX/XXXX, letter was sent by certified mail USPS XXXX and was received. As of XX/XX/XXXX, I have received no response from the bank.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a XXXX XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report As soon as possible. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see attached, please remove.
Product: Credit card or prepaid card

It was a recorded call from XXXX XXXX XXXX XXXX at XXXX saying I could get 18 months interest free. I pushed one to speak with a representative. I ask who was calling, he responded Capital One Credit Card. I told him I had no busy with them and asked to be removed from their calling list. He asked if I had no business with Capital One? I said no and again asked to be removed from their calling list. He told me NO. I said ok and asked to speak with his supervisor. Again he told me NO. I reinterated. He said NO and I hung up.