23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A couple months, around XXXX of 2022 I went to check XXXX of my Synchrony accounts like I normally do and I noticed that this particular store charge account had been closed, I checked another and it was closed so I checked all of them and they had closed every single one of my accounts I had with them. They were all open and current the day before and the next day all XXXX of my accounts with them were closed for no valid reason at all. I was totally current and up to date with every payment, there was not XXXX of my accounts that ever had a late payment or anywhere close to being maxed out. In fact I had a couple of cards that were paid completely off previously. I always requested credit limit raises because it increases my overall available credit which brings my credit usage down and improves my score. I called Synchrony in XXXX to ask why they had closed my accounts and was advised that my actions of requesting credit limit raises was indicative of someone who plans on not paying off their debts. I was completely speechless as I have never been late on any payments with them or any creditors and not XXXX of my cards was even remotely close to being maxed to the limit. I am still currently paying off some Synchrony card balances and still have not missed XXXX payment. I decided to let it go and just reapply for a few of the cards at a later time. I wait until around mid XXXX of 2022 and reapplied for the XXXX XXXX card because I have XXXX cellular service and this saved a little money having it. I submit my application and was quite surprised to see it say that my application was submitted and I would receive a letter in the mail or an email with their decision. I could not understand how they looked at my application yet my credit report was not pulled. I monitor all three credit bureaus very closely and see even the slightest changes, but there were no inquiries from Synchrony. I was completely baffled so I tried to apply for another card I used to have that was closed and received the exact same result. I tried for another card that had been closed by Synchrony and same result and no inquiry on my credit report. I received emails about a week later with what I assumed was their reasons for denying my applications but could not even open them for some reason. I received XXXX letter in the mail for XXXX of the cards I applied for, it was the XXXX 's card application and the only reason stated on that letter for denial was that I recently had an account that was closed. I could not believe what they were doing to someone that was never late on any payments or even close to a maxed out account. I decided to try again at a later time and hope for a different outcome. Today is XX/XX/2022 and I applied once more online for the XXXX XXXX and received the same result. After applying, the letter said thank you for applying, you will receive a letter with our decision. There was not an inquiry on my credit report once again. I feel like they've black listed me. They just automatically deny me without so much as an inquiry into my credit and base their decision on that.
Product: Money transfer, virtual currency, or money service

have been roped into an extortion scheme secondary to harrassment and threats made by a person in a position power who has the ability to hack internet systems and has made personal threats towards me.
Product: Credit reporting or other personal consumer reports

THIS IS A SECOND ATTEMPT I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX truck. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to XXXX AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXXL - XXXX - {$990.00} XXXX XXXX XXXXXXXX - XXXX - {$8700.00} XXXX XXXX XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX {$1700.00} XXXX XXXX  XXXX XXXX XXXX - {$150.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Student loan

I have a consolidated student load balance that was refinanced in early XXXX with Kentucky Higher Education Student Loan Corporation. I had made monthly automatic fixed amount EFT payments over the first year of the loan. In XX/XX/XXXX and again in XX/XX/XXXX I made extra one time payments through the KHESLC online payment system with the intent of accelerating the payback of the loan balance. In XX/XX/XXXX, I received an alert from my credit monitoring service that my student loan balance had increased. I logged into the KHESLC web portal to determine what caused my balance to increase, and was surprised to learn that now EFT payment had been made in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I contacted KHESLC on XX/XX/XXXX. I was informed by XXXX that when you make a one time payment online, EFT is temporarily suspended and your due date is pushed out equivalent to the number of monthly payments the one time payment would have covered automatically. The only way to prevent that and continue with the scheduled EFT payments and make a one time payment is to either email or call into a servicing specialist first. I was informed I accepted this practice by signing up for EFT payments 14 months ago, and was also denied my request to have the payment I made back in XX/XX/XXXX and XX/XX/XXXX retroactively applied to the monthly statement balances and accrued interest credited. I also requested and was denied an escalation to a manager or supervisor to review. At no time during the online payment process was I made aware the one time payment would pause my monthly scheduled EFT payments, or given the option to choose whether or not I wished to pause or continue those payments. If desired, it would have been very easy for KHESLC to make me aware with a pop up or acknowledgement at the time of payment so I could take appropriate action to ensure my regularly scheduled EFT payments continued. 

I believe this to be a predatory lending tactic whereby KHESLC is able to increase accrued interest on the loan without the knowledge or intent of the borrower, in an effort to increase their profit. As a result I lost over {$300.00} of what should have been a payment on loan principle to interest. If not outright illegal, this practice is clearly unethical.
Product: Credit card

Account was closed and agreed upon amount was paid but Chase will not close and clear the debt as agreed. Have called and requested 1099 for tax purposes to get debt cleared as they have already claimed a loss on their end.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

We applied to refinance our home loan in XX/XX/2021 and submitted all required documents by XX/XX/XXXX and received a conditional approval. Since then it has been radio silence from the lender ( TCF Bank ). They do not respond to our emails and calls and haven't been able to explain why our refi has not closed. We suspect the lender is intentionally delaying to continue to collect interest from us at the higher rate of our original mortgage.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to resolve a matter concerning incorrect information and unauthorized inquiries on my credit report. This information is not associated with me, and I urgently request the removal of this fraudulent data.
Product: Credit reporting or other personal consumer reports

There are numerous capital one hard inquiries on my credit file. These inquires are fraudulent. I have submitted a ftc identity theft report and contacted transunion and they will not remove them. I have not applied for credit with capital one. Please have these removed to reflect fair credit reporting. Capital One Auto Finance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Exeter Financial, has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor can not treat a payment, under an open an consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER DEPTEDXXXX  Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


11. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Equifax. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with Better Business Bureau, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Every day at roughly XXXX I'm called from Portfolio Recovery and every day I tell the callers to take my number off their list and any type of correspondence or solicitation needs to be done with their client and to stop calling my phone. 

I've called and asked for mgmt to take this phone number of their list and they still continue to call since XX/XX/2020 they have called 20 days
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me of the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems leaving users vulnerable to scams.
Product: Student loan

I consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.
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 attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency.

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, my insurance agent received quotes of insurance on a new property I was buying. 

The sale did not go through as planned. I ended up closing on it on XX/XX/XXXX due to a lengthy legal dispute. 

When I got access to the property, I saw unpaid notice mails delivered to the address from Credit Collection Services, trying to collect a " debt '' from XXXX XXXX XXXX XXXX for property insurance dated XX/XX/XXXX for {$370.00}. 

They want me to pay a debt I do not owe, on insurance I did not bind, on a property I did not own at the time. They are extorting me saying it will be reported to my credit bureaus anyway. I have a perfect XXXX credit. 

This is fraud. They are trying to collect money for services not rendered. You can not get insurance on someone else 's property. Just like they would deny my claim had any damage to the property occured prior to me buying it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding accounts that have been mistakenly attributed to my credit file. In that letter, I requested that Experian verify the accuracy of these accounts, as I am unfamiliar with the listed companies and believe they may belong to an individual with a similar name. Unfortunately, I have not received any response from Experian.

As previously mentioned, these accounts do not belong to me, and I am concerned that this error is negatively impacting my credit report. While these accounts may reflect good payment histories, the high debt-to-income ratio associated with them is significantly affecting my ability to secure new credit. I am in need of financing at this time, and this issue is preventing me from obtaining the necessary funding. 
For your reference, the accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX