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

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy
which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.

CREDITOR CONTACT INFORMATION : GATEWAY ONE LENDING 160 N Riverview Dr Ste 1 Anaheim, CA 92808 ACCOUNT # 201208 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We reserved rental car on XX/XX/2022 from XXXX on line and fully paid the amount of {$510.00} using my Amazon-Chase Credit card. Pickup date : XXXX XXXX and return date : XX/XX/2022. Location : XXXX ( XXXX XXXX XXXX ). 
Booking Reference : XXXX. I am XXXX XXXX XXXX and designated by my XXXX XXXX as XXXX due to XXXXXXXX XXXX XXXX and can not walk more than 50 feet. My wife is XXXX XXXX XXXX XXXX and has major knee problems. On XX/XX/2022 ; I received an email from XXXX  changing the pickup location from XXXX  XXXX, inside the airport to unknown outside location where we have to exit the airport entirely and take a Bus with " Parking Go '' logo on the front. They also indicated that they are very sorry about the inconvenience due to this change. I immediately tried to call the number on the reservation voucher and no answer. I wrote an email to the address on the voucher and requested the cancellation of my upcoming reservation due to their location changes and we both have knee problems and can not speak XXXX  language. My email was delivered and my reservation was not cancelled. I protested it with Chase Bank and they sided with the XXXX claiming that I agreed when reserved of no cancellation but, I do have legitimate reason to cancel and be refunded. Pickup location was inside the XXXX as clearly indicated by XXXX, then the location was changed to go by a buss outside the airport with different car rental company. It's totally legitimate and I have the right to cancel. I tried twice with Chase and did not get anywhere. Chase should side with me and return my money. I am requesting your help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mailed A Mult iple Inquiry re moval letter to Equifax on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They Received my letter on   XXXX   XXXX   XXXX   and " completed '' my request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  hard inquiries That are NOT factual, Unauthorized and fraudulent ( as I have now placed a fraud alert and security freeze on my report for unauthorized use of my info ) and yet I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access, if you believe this was unauthorized contact the creditor ''. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, The credit reporting agency must delete the disputed information from its files. The fact that I received a response 2 days after their receipt of my certified letter, you can assume no that they did not actually investigate the matter as required by LAW from them under the Fair Credit Reporting Act. I plan to purchase a home this year and having this many hard inquiries on my credit report displays as a sign of financial trouble and that is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the hard inquiries that DO NOT belong to me. I did not sign for anything and I do not have accounts with these creditors. This is unfair practice by Equifax with no concern for my credit worthiness as a consumer and a clear violation of my legal rights under the FCRA. The following inquiries are the ones being disputed.        XXXX   XXXX     XXXX     XXXX   XXXX      XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reporting on my credit profile that i am not aware of, and it's report without my authorization which is a violation of privacy
Product: Debt collection

They left a voicemail not saying what the issue was however stating my name and they were going to show up at my workplace or home. The person who left the vm left the name of XXXX XXXX. I called back they said the company name of Imperial and the mans name was XXXX XXXX. When I said that the practices were not legal he hung up immediately.
Product: Debt collection

A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts violated my federally protected comsumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowingly or has reasonable cause to believe that the information is incorrect.

There are inconsistencies in my credit reports and want this incorrect information deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was totaled in XXXX of 2022 .Hyundai would not send XXXXo a pay off letter I fought with them or three weeks before they gave it to me and I had to give it to XXXX So XXXX sent them a check for what they said the payoff was. Then it took them three weeks to apply the money to my account so when I seen it payed off I seen a overpayment so when I called them they told me it would take 45 days before they sent me my money I told them that was not good enough so I got the XXXX  involved then they call me the next day and said they sent the refund to XXXX I told them that money was mine not XXXX I called XXXX they said the same thing the money was mine XXXX only paid what they said to pay
Product: Payday loan, title loan, or personal loan

In XXXX, I obtained a payday short term installment loan with Lift Credit. The original loan amount was {$1900.00} and I made total payments of {$1400.00}. During XXXX I assumed the care of my dying mother. I contacted Lift credit many times requesting assistance in stopping interest charges, paying off the principal, etc. at each contact point I was ignored and told it would continue to accrue interest and ultimately become a legal matter. This loan was requested during a very difficult time and I never anticipated such devastation as a result. My mother passed away in XX/XX/XXXX. Additionally my son was diagnosed with a XXXX XXXXXXXX and the medical expenses and debts have ballooned to over {$15000.00}. Despite sharing these challenges with Lift, they would not negotiate, provide a reasonable compromise, but instead threaten legal action and demonstrate no care in the devastation this predatory loan has now caused. So much so, I am considering bankruptcy relief. Lift filed a small claims case and without any options to defend myself, they received judgement of over {$8000.00} with a repayment of {$430.00} per month. I do not have the money to make payment without sacrificing the care of my son, servicing of my debt and maintaining monthly housing and utility expenses. 
In summary, Lift has demonstrated predatory lending practices ; both in the origination, collections and lack of maintaining and adhering to their website advertisement stating Lift Credit provides same day, installment loans to residents in XXXX XXXX XXXX  and XXXX. Regardless of credit standing, we offer significantly lower rates than payday lendersgiving a financial solution to those who need it most. And online installment loans to lift you higher. Their site is also flooded with misleading reviews and testimonials. At an interest of 382 % annually, the ability to service this loan should a borrower experience continued financial hardship, it quickly grows from a modest loan balance to 4 or 5 times the original loan. The end result is devastating to an average consumer. Lastly, during the collections process, the lender communicated via text and did not made a proper collection notification disclosure. In violation of collection laws. I was also refused a principal payoff to cease the interest charges. Again, an example of predatory lending, unfair and deceptive marketing and practices.
Product: Payday loan, title loan, or personal loan

I am filing a complaint on Onemain Financial for unethical business practices. I was provided fraudulent information and deceived in making a very hefty financial decision. 
I have had numerous loans with Onemain, dating back to XXXX, so in considering this most recent loan, in XXXX of XXXX, I felt comfortable in considering the options given to me. 
On XX/XX/XXXX, I received an offer with Onemain Financial to refinance my loan and consolidate other loans. When I called my local branch at XXXX XXXX XXXX XXXX XXXX ; XXXX, FL XXXX, on XX/XX/XXXX, I spoke an agent who ran my credit and came back with a few different offers. I, honestly, do not remember all the options currently, but I do know that there were at least 2 that did not include my car loan with XXXX XXXX, and 1 that did. I was on a road trip during our conversation, and I asked him if I could take the weekend to consider them. 
On Monday, XX/XX/XXXX, I was still unsure of what loan would work best for me. I strongly expressed, repeatedly, my number one goal was to be able to trade in my car. I had spent 6 years upside down in the loan with Ally, and at that time, I only owed {$10000.00}, and a trade in was possible because I was no longer upside down. 
The agent informed me that this isnt the right time to trade in a car, with all of the chip shortages and inventory issues. He encouraged me to include XXXX, use my car as collateral in this loan of {$26000.00}. He informed me that after 6 months of a good payment history, we could untether my car, refinance the loan and possibly finance the new car. That, honestly, was the selling point for me, his assuring words of being able to trade in my car in six months, XX/XX/XXXX. 
For the last six months, I have paid my monthly payment of {$690.00}, on time. I began my search for my new car, saved a down payment, I have increased my credit score to over 700, and was ready to proceed. I called Onemain Financial on Friday, XX/XX/XXXX, and spoke with an agent, who informed me that everything I was told, was not feasible. 
She informed me that my current balance on loan is {$24000.00}. In the state of Florida, any loan over {$15000.00} must be a secured loan with collateral, my car. She informed me that I would have to pay my loan under {$15000.00} ( approximately {$10000.00} ), have my credit ran to see if I qualify for an unsecured loan. She said that even under {$15000.00}, an unsecured loan isnt guaranteed. Im not able to finance a new car, because even if I found a {$15000.00} car, it would take my loan to upwards of {$40000.00} and that didnt seem likely. She soberly informed me that I have no options.

So, here I am, six months later, still having to pay {$10000.00}, with no guarantee. All I have wanted is to trade my car for the last few years. I was so close to achieving that goal and was swindled into this huge mistake. I have no options and no recourse. I am saddened and sickened that this type of business is permitted to be practiced. I really trusted him and had faith that I would be able to achieve my goal of getting a car.
Product: Consumer Loan

I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2022 I signed a loan agreement to refinance a loan I took out a few months prior. I received a copy of loan agreement but it was too small to read and wouldnt let me zoom in or download a copy. Turns out I have been charged 160 % in interest rates. This is a violation of TILA. Another common violation is regulation z. Which is to inform consumers of detailed loan amount and interest rates clearly. They are based out of Utah and comply to different laws taking advantage of Michigan consumers. The Michigan legislature XXXX states the interest cap is at 25 % maximum. This is 5 times less then what I was charged in fees. Basically a loan shark with high interest rates and strict loan agreements. I am a young single mother in need of money new to credit companies. Now that I have reached out to the debt collector and requested a contract validation I can access my account and contract agreement that was not clearly announced upon agreement. 
Hence my bi-weekly loan plan was charged weekly at times with the dates listed below XX/XX/2022 I was charged {$23.00} in interest Principal charge of {$0.00} XX/XX/2022 I was charged {$52.00} in interest Principal charge of {$52.00} XX/XX/2022 I was charged {$71.00} in interest Principal charge of {$49.00} XX/XX/2022 I was charged {$73.00} in interest Principal charge of {$46.00} XX/XX/2022 I was charged {$76.00} in interest Principal charge of {$43.00} XX/XX/2022 I was charged {$79.00} in interest Principal charge of {$41.00} XX/XX/2022 I was charged {$81.00} in interest Principal charge of {$38.00} XX/XX/2022 ( date I refinanced for work uniform ) I was charged {$71.00} in interest Principal charge of {$49.00} Some weeks I didnt borrow any money technically and was still charged interest a week after payment. 
XXXX of XXXX XXXX requires credit and charge card issuers to provide information to consumers at application and solicitation about key costs and terms Known as a XXXX XXXX But how can I read such fine print and not be able to download the agreement? 

Also a violation of usury laws in the state of michigan.