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

To All Concerned Parties : This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis 260 F. Supp 2d711 ( SD Ind.2003 ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Product: Checking or savings account

This is a follow-up to recently closed complaint no. XXXX. It is completely unacceptable that Bank of America has determined that my teenage daughter 's account should not be refunded the fees the bank charged her account. The bank ran an investigation and found that my daughter 's account had fraudulent activity on it. Accordingly, they refunded two fraudulent charges, as well as the fees associated with those two charges. As courtesy, they also refunded several other charges. However, it makes no sense that won't refund ALL the fees the bank assessed to the account, each time additional fraudulent charges were attempted to be put through the account. Mind you, the bank did not pay out these fraudulent charges, however, each time the fraud was attempted, the bank charged my daughter 's account {$35.00}. This happened over 20 times to the tune of over {$800.00}. The bank absolutely must refund these charges. It's not right they can just take money like that when they should be protecting us from such activity. Please re-open your investigation and help me! 
Regards, XXXX XXXX
Product: Student loan

I have been back in school since XXXX of XXXX. I transfered schools from XXXX XXXX XXXX to XXXX  University for XXXX in XXXX of XXXX. I have called the school and asked that they update my status as a XXXX XXXX XXXX and they stated that they did several times already. I have call Navient several time to let them know that I am in school and that I shouldn't have to make my monthly payments. I was told in XXXX or XXXX that in order to get my account up to date I had to pay the past due amount which was around two- three hundred dollars. When I told him I couldn't pay that he said that was the only way to get my account current, unless I do a forboance. I reluctently agreed because I didn't want my credit damaged any further by having my student loan payments showing late. As of today I am in grace peroid but I have captialized intrerst on my account for XXXX and XXXX because I was all but forced to take a forboance to get my account up to date.
Product: Checking or savings account

My account was ose because the bank placed my account under review due to multiple transaction and stated my purchasing choices were excessive. As result the ended my bank relation know having my direct deposits all linked to that account causing me hardship for holding my fund over XXXX to XXXX business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-Equifax indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Previously filed complaint against same company LendNation, I had spoken to XXXX over the phone on XX/XX/year>2025 and he told me on a recorded line that they would settle for {$1200.00} and avoid legal if I paid that before end of the month I gladly accepted that and said I should be able to get {$600.00} after the XXXX and the remaining on the XXXX of the month, went to call on the XXXX to pay half and suddenly the amount jumped to {$1800.00} something and they refused to acknowledge the previous conversation, I told them to go check the phone call and call me back with an update even though I gave them a cease and desist I emphasized that I do want to hear back regarding that offer and not get XXXX calls a week from them. Jump to XXXX/XXXX/2025 I tried calling again and spoke to a lady ( dont know how to spell her name ) and she gave me the script of the call being recorded and I informed her I will be recording as well ( Oklahoma is a one party state and I have rights to record my own calls with a debt collector ) and she rudely told me she would have to hang up if I was also recording without an explanation, I called back and spoke with XXXX this time and he explained thats against company policy which just sounds suspicious to me, but we discussed some options but Im still not being offered the original settlement amount, they also refuse to give me a copy of the phone call or send me stuff in writing
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I need your help to get my vehicle title released from Rapid Auto Loans. In XXXX I was going through some rough patches in my life and I needed to pull a loan so I put my XXXX XXXX up for collateral. I went through a company called Rapid Loans. This loan was paid in full. XXXX XXXX I went through a divorce and again needed financial help so I did another loan using my XXXX XXXX as collateral. When my divorce finalized and I got money I was entitled to I paid the loan in full XX/XX/XXXX. I was keeping the vehicle so I did not contact XXXX to make sure the lein had been cleared on my vehicle and trusted the company to do their part after I did mine. Here we are XXXX over 2 years later and I am trying to sell my XXXX XXXX and I find out there is a lean against my vehicle. I have called this company everyday for 2 weeks multiple times and talked to multiple people. All parties I have spoken to says they have escalated my call to upper management but says there is no time frame they will get to it when they can. They also say they have no contact information for " upper management '' that my lean has been escalated to. I am attempting to file fraud charges with XXXX at this point with no time frame as to the release with that either. I have exhausted my options daily trying to resolve this dilemma and the XXXX XXXX customer service just says I can call every day and the result will not change. Can you please advise me on what to do next or help me to contact " upper management '' as they call it to find out why this company won't do their part after I have done mine? Please help I work a 40 hour a week job and I'm exhausted trying to get through to these people.Thank you my contact information is included please help me with my situation.
Product: Vehicle loan or lease

Notice of Dispute : Adverse Action I demand your company reconsiders this matter which complies with Federal Law, please open the account which I have extended credit and correct any adverse action taken upon my credit report, l take my consumer reporting matters seriously and would appreciate this matter being resolved promptly. Failure to address this dispute improperly may lead to further legal action Thank you for the immediate access to this matter, I expect a timely response and resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) 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 There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

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

Hello, Thanks for forwarding the issue XXXX to TransUnion. They mailed me the results of their investigation on disputes and resolved the issue. However, upon reviewing the personal information section of the report, I noticed that it is incomplete and inaccurate for certain records. The file number they assigned is XXXX.
Product: Credit card

I was a long-time cardholder of the XXXX XXXX XXXX XXXX issued by Barclays Bank . There has always been an annual fee, but since the pandemic, not only did the fee increase, but the benefits associated with the account did not justify the fee. I called customer service and first asked that the card be downgraded to another product ( with a lower annual fee ) -- and they refused. I found this odd because every time I travel, they are pushing the downgraded card. I then told them I had to cancel because the annual fee no longer was no longer justified, but I expressed to them that I only wanted to cancel if I could get a refund of the fee that was just paid ( XX/XX/year> ). The call occurred sometime in XXXX ( I don't have the exact date ). I did not schedule a payment for XXXX because I figured the offset of the fee would take care of the outstanding balance and the remainder would be mailed to me. Unfortunately, that was not the case. When I received notice there was a late charge on the account ( on or around XX/XX/year> ), I called and let the person know what happened and they reversed the late charge and finance charge. They said they would pull the previous call to verify our conversation ( i.e., that the agent told me I would receive a refund of the annual fee ), and that it would be XXXX business days and someone would contact me. I have yet to receive a refund or contact from the company. I am extremely upset because not only did they refuse to downgrade my card to a different product, but they kept nearly {$200.00} for a fee that they did not earn. If I would have known they would not refund me, I would have kept the card open for another year.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
DISCOVERBANK XXXX
Product: Credit reporting or other personal consumer reports

Inquiries i don't autorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.
Product: Debt or credit management

On XX/XX/2024 Halstead financial did an unauthorized charge to my debit card ending in XXXX in the amount of {$120.00}. The agreement to pay back Halstead Financial did not include automatic payments from this debit card. There are no written agreements to charge this card for payments without my authorization.
Product: Credit reporting or other personal consumer reports

EXPERIAN AND XXXX IS VIOLATIONING USC1681N THESE BANKRUPTCIES HAS BEEN DELETED BY XXXX ACCORDANCE TO IS USC 1681n ( 1 AB. 2, 3b ) CIVIL LIABILITY FOR WILLFUL NON-COMPLIANCE XXXX XXXX EXPERIAN IS NON-COMPUANCE AND NEGLIGENCE CONCERNING TO PUBLIC BANKRUPTCIES XXXX, XXXX THESE PUBLIC BANKRUPTCY WAS DELETED FROM XXXX WHICH THEY OBEYED THE LAW AND WAS REMOVED FROM XXXX XXXX 'S OF HOUSING AND REPORTING MY PUBLIC, 'PRMATE INFORMATION PER USC 6802 USC 6802 ALSO I HAVE PLACE A FREEZE ON XXXX XXXX ALSO I HAVE FILE COURT DOCUMENTS TO SUE XXXX XXXX 'S FOR THEIR MIS USING OF MY DATA WITHOUT MY CONSENT AND I HAVE PROVIDED PROOF I NEED THESE PUBLIC RECORDS TO BE DELETED IMMEDIATELY FROM XXXX & EXPERIAN I JUST DONT UNDERSTAND WHY IS XXXX SO HARD TO ABIDE BY THE LAW ALSO STOP VIOLATING THE GRAMM LEACH BLILEY ACT IF THIS ISNT DELETED I WILL MOVE TO LITIGATION SEEM LIKE U GUYS WILL DO ANY FOR MONEY HOW DO YALL SLEEP AT NIGHT THS IS MY 3RD ATTEMPT 1M JUST ADDING UP THE PROOF TO SUE EXPERIAN & XXXX THIS IS A XXXX ACT VIOLATION.
Product: Credit card or prepaid card

Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.
Product: Credit card

This is to follow up on case # XXXX complaint against Citibank, regarding BrandSource account XXXX. 
I had many problems with this account, filed a CFPB complaint, and the account is closed more than a year. 
But XX/XX/2024 I received a harassing letter stating that the account is still open, and requiring me to reject new business terms. This letter is uploaded in supporting document. 
I would like a letter from Brand Source CitiBank stating the account is closed and I don't want any further contact from this business.
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX  regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

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

On XX/XX/year>2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over XXXX  days later I have not received a response XXXX. I feel like I'm being taken advantage of and being ignored of my disputes, section 611 ( a ) is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Debt collection

My identity got stolen I don't know when they used all my credit cards... I have lots bills and emails and harassing phone calls from all of this credit cards companies.
Product: Mortgage

Carrington Mortgage bought my VA mortgage from XXXX XXXX. Ive owned the home for 16 years. In XX/XX/2021, my electronic payment from my bank did not go through. I had no idea. Later, I received a late payment notice via mail. I just assumed that it was in error ( with XXXX, I didn't always pay on the first of the month, and had 10 days before it was late... .Never had a late payment with XXXX XXXX XXXX to my recollection ). I just assumed the payment went through after Carrington sent the notice. Then in XXXX, I paid. Received a late notice. XXXX and XXXX, same thing. Because this had already happened for 3 months, in XXXX, XXXX, I actually paid attention to the date I paid the mortgage. I took the initiative to try and figure out what was going on and to my surprise, the XXXX XXXX payment was never charged to my bank account. Carrington was reatroactively applying monthly payments and charging me late fees. They never informed me that a payment was missing. They assert that they called my primary telephone number. That number was a landline number in XXXX XXXX 's database, that was discontinued more than 10 years ago. They never called me on my cell. As a result, I can't move at the end of the Summer as I had planned since XXXX XXXX requires 12 months of no late payments. This is really a problem for me and my family.
Product: Credit reporting or other personal consumer reports

These inquiries aren't mine, and I'm not associated with the mentioned creditors.
Product: Debt collection

I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Validation Of Debt and Hipaa Authorization letter on XXXX days later and I still havent received a response which violate my rights.
Product: Credit reporting or other personal consumer reports

My information with equifax has been breached. Here is the proof and they refuse to delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So please delete these from my credit reports immediately as I was a victim of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous defaulted Perkins loan due to Texas XXXX XXXX XXXX University is still being reported as in collections as of XXXX despite it having being paid off via a student loan consolidation taken out in XXXX. I disputed this early this month and the result shows an alleged updating but it is still in collections. I have separately contacted the creditor XXXX XXXX via their chat function, they have confirmed that the debt is paid.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX BALANCED {$2500.00} XXXX XXXXXXXX BALANCED {$240.00}