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

Dear Experian Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Experian credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX I want to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned dates. As a vigilant consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Additionally, my Experian credit report has an access alert, requiring lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises significant concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Experian credit report. Furthermore, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the protection of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been successfully removed from my Experian credit report. 

Thank you for your attention to this matter. I eagerly await your prompt resolution and response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The vehicle was repossessed and charged off, but I didn't receive a 1099C.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to conduct a reasonable investigation into disputed items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to Equifax via USPS certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in which I explicitly requested an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. On XX/XX/XXXX, I sent another dispute letter to Equifax, however, despite my efforts and the legal obligation under FCRA, Equifax has neglected to provide any response or communication regarding the results of its investigation. 

The FCRA mandates that if a consumer disputes the completeness or accuracy of any item of information in their file at a credit bureau, the bureau is legally obligated to conduct a reasonable reinvestigation to ascertain the accuracy of the disputed information. Equifax has failed to fulfill this fundamental requirement. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, which serves as irrefutable proof of my attempt to address and rectify these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was in XXXX  when account was open from XXXX XXXX  XXXX, XXXX XXXX on XXXX i contacted the police and credit bureaus the amount of loan was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a mortgage with Citadel servicing of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with Citadel immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XXXX XXXX 2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XXXX XXXX 2020. Ist payment of the new forbearance wasXX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from Citadel Servicing, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a 6600 sq ft house to a 12x10 room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Product: Credit card or prepaid card

The facts are as follows : 1. I have been having the in New York, the PC RIchard Store Cared for nearly ten years. I never had an occasion of a.compaint. But now the Synchrony Bank entered into the picture, problems started. I have been trying to contact them since XX/XX/2021 but no success, because they always greeted by unending recorded message. I tried to Chat in XX/XX/2021 but was disconnected. 
2. The outstanding balance on the card at the beginning of XX/XX/2021 was {$990.00}. 
BUT IN THE FIRST WEEK OF XX/XX/2021, THE BALANCE JUMPED TO {$2200.00}. 
Today, the XXXX of XXXX, 2021, I waited on phone for more than half an hour. And finally upon my inquiry, I was informed that in XX/XX/2021, the Synchrony Bank charged {$1200.00} as LATE PAYMENT PENALTY INTEREST. 
3. I NEVER HAD A LATE PAYMENT in ten years. I never knew that such a thing will happen without notice. 
4. I request CFPB, If it has guts, to look into this and resolve the issue favorably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from Experian on XX/XX/23 that they had completed their investigation of a disputed bankruptcy record on my consumer file. Once again, Experian has not provided me the name, address, and phone number of the public record vendor it used to verify the accuracy and completeness of this record so that I may dispute this inaccurate. Experian has already admitted that the courts DO NOT REPORT to credit bureau and that it relies on a " PUBLIC RECORD VENDOR ''. This is a direct and repeated violation of the FCRA. All complaints and evidence will be used against Experian in a federal court if this record is not removed or the vendor information is not released. This will be my final attempt to resolve this issue before it is escalated to an attorney. Please DO NOT send a generic response. I am not requesting the validating of this record ; I am requesting the name of the source used.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.
Product: Mortgage

RE : XXXX Acct. No. XXXX Loan held by XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX, I contacted my mortgage loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX to see what could be done in the short term after receiving results of a bad mammogram and due to high unexpected costs for new drugs even with insurance. 

I am on Social Security XXXX, paid on the XXXX Wednesday of every month. I have provided in my attachments all the recorded phone call dates and names of the reps I spoke to to work out a new payment arrangement. The loan would be paid monthly, I would pay the insurance via my checking with XXXX, the property taxes are due in XXXX. 

The home is already in a purchase agreement with my neighbor and the purchase agreement is currently being written up. The plan is to pay off the loan as soon as the funds are received. As an interim timeframe, with current medical issues, I needed to take advantage of all the " help '' XXXX promises in their letters when you need it. 

I have shown that I made the loan payments and arrangements for the XXXX, XXXX, XXXX and now in question the XXXX ( due to XXXX stating they will start foreclosure procedures by XX/XX/XXXX. The payments made have been applied to the " suspense '' account, since the property taxes ( which make up the bulk of the payment ) were suspended since they are not due until XX/XX/XXXX, which will be paid by the house sale. 

XXXX recorded the calls which made the new arrangement, but the computer generates foreclosure notices because it does not recognize the verbal agreed interim payment arrangements which still kept the loan current when applied as agreed. 

Due to the high cost of drugs I am currently experiencing, this is a priority medical situation and the reason I made the initial call regarding the loan to keep it current until the sale funds come through - 30 -90 days. 

I'm asking the verbal agreed upon new payment arrangement made in my recorded calls to XXXX on XX/XX/XXXX and reconfirmed on XX/XX/XXXX ( see attachments ) whereby I make the loan payments to XXXX and I pay the monthly insurance and eventually the XXXX property taxes due. The stress of XXXX is causing great harm in that they are going back on their word and I don't need this right now. I need confirmation that I can continue paying the loan amount only via XXXX. 

I've attached confirming documents and the threat of taking my house from XXXX even though I reached out to take advantage and was approved over the recorded conversations to this interim payment arrangement. This loan has been in effect since XXXX and always on auto pay. This is the only time I've asked for interim arrangements. 

XXXX XXXX XXXX, owner Servicer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX
Product: Credit card

I have spoken to Am Ex since they deleted my social security number and had to ask me for the information. I requested an identity theft packet and told them I have a police report as there has been identity theft, and that I had a police report. The case number they gave me is XXXX XXXXXXXX, after a very long call insisting that the fraud department handle the situation. I need the American Express executive resolution team to call me at XXXX. To date they have refused to get an identity theft packet mailed to me. I have faxed them all my prior addresses and they finally got my statements to me. I also need AM Ex to get me a copy of credit reporting statement and score that they received previously when requesting my creditin the last 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted the account  XXXX   XXXX  and then it reappeared the next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting accuny # XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX, 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed.

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
Sincerely, XXXX XXXX
Product: Credit reporting

I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.
Product: Credit card

I received XXXX letters from Truist Bank ( I've never done business with them ) saying that they suspected someone opened an account with some or all of my information. The XXXX letter said that I reached out to them regarding identity theft ( I didn't ). So I called them and also checked my credit report. Turns out, someone opened XXXX credit cards and a checking account using my social security number and amassed {$18000.00} worth of debt starting in XXXX of 2023. I have put freezes on my credit, reported fraud, etc. The bank has been very difficult to communicate with. I have seen XXXX of my credit reports but am waiting for the other XXXX to come in the mail.
Product: Credit card

Thru my credit monitoring service i receive an email XXXX, XXXX XXXX  saying my credit limit was increased to {$20000.00} on my Truist credit card. 
I never personally in the branch or via phone, email or chat request a credit limit increase. 
I chat via truist chat service with bank associate on XX/XX/XXXX about the problem. 
The bank associate stated that i requested the credit limit increase. 
That is false statement from the bank rep! 
This bank is causing financial hardship since i can not apply for a credit card on other banks & my credit score will go down because i have a higher limit credit overall.

Now if i request the bank limit to go back to its original lower value my credit score will be affected negatively with the score system.

There is no way out, losses will follow with this unauthorized bank action!

Can Cfbp advise on course of action regarding this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquent Account : Credit Acceptance Corporation ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Inquiries : XXXX XXXXXXXX ( XX/XX/2022 ) ( XX/XX/2022 )
Product: Credit card

In XX/XX/year> I noticed that my minimum payment was {$210.00}. At that time I was paying {$300.00} per month. Around XXXX the minimum payment went up to {$260.00} although I didn't see it, and I didn't pay attention to it as I had not used the card in several months so I just presumed the minimum payment was the same. When I called to say that I didn't realize the minimum and payment went up and could they waive the late fee that were very evasive. The customer service rep also demanded that I pay {$300.00} on the spot although I kept saying that I'd already paid {$220.00} and I was under the minimum {$40.00}. Why pay {$300.00} when I could just pay the additional {$40.00} to get caught up? What I also objecti to is that they act like you're some kind of criminal or habitual nonpayment type person. I pay every month automatically from my account and whenever this happens and the minimum payment increases XXXX always get caught Another complaint I have is that they often times have the minimum payment due on a Sunday and as my bank doesn't transfer on weekends, it arrives there on Monday and I incur a late fee. I don't think that is fair or correct to the consumer to have a minimum due date on a Saturday or Sunday. I didn't get a straight answer as to why my minimum payment went up from XXXX to XXXX. I think it's totally unfair that a person constantly paying on time can not have a waiver of the late fee Or that they can be a little sympathetic to the fact that a mistake was made. 


I am also finding that many other companies are sending text messages and XXXX reminders to consumers. Synchrony bank needs to do the same. With this particular care credit card they only send XXXX email and often times that can get lost in the Multiple emails that get per day
Product: Student loan

Hello, I am writing this as I am writing a complaint about my private student loans from Navient. I have paid my loans on time for 5 years straight without seeing any type of impacting decrease in the repayment. I have asked to lower my interest rates that are ridiculously high and have been told no over and over. I have asked to be on a income driven repayment plan along with just paying interest and I have also been told no. 





I asked to have my loan payments be adjusted for a longer length of time to have my payments lowered and Navient has once again told me no. They have left me with no other alternatives but to only pay what I can each month. They have now affected my credit greatly and have refused every opportunity that I have asked them to help me with my situation. I have had to file for bankruptcy last year and they are still relentless on letting up on their repayment tactics. I am issuing this complaint in writing as I have no other alternative. 




Thank you, XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX  when it was a secure card! Why didn't they ask me all this then.
Product: Checking or savings account

I opened up a checking account with Bank of America XX/XX/year>. A regular checking account for my employment checks to be direct deposited into. I got approved for the account. Received an email that my debit card was on the way XX/XX/year>. Same day that I received an email that my card was on the way they typed of the decision letter to close my checking and savings account per their decision. I'm just trying to get my life back on track with having an actual bank account and do right by it this time. I always ask if my past will affect the possibility of my present and future with banking and I am always told no. I will be in the clear. It's been years. Any time that I call I just get the run around with an indefinite answer. It's always they can't specifically tell me its the choice of the company. I know if I was a white woman trying to get their life back on track it would be no issue for the bank to give a second chance but since I am an XXXX XXXX  woman its a lot harder for that second chance. I do want the bank account to remain open so I can create the history I need to be able to move into my apartment and to be able to get credit line to create credit. I've called and have been passed around every department as they do every time they don't want to give a correct answer or they'll just figure I'll hang up and go about my day. I'm fighting to keep the account to established myself from the ground up. The debit card has reached my home and if they were going to closed the account I believed they shouldn't have allowed me to open it up nor should have they approved the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$1000.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.