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

I received text messages between XX/XX/XXXX and XX/XX/XXXX stating that I had purchases at IKEA to pick up. The locations were at IKEA XXXX ( XXXX, FL ) and IKEA XXXX ( XXXX ). I immediately checked my internet account and no such purchases were there. I also checked all of my debit and credit cards and there were no such purchases found. About a week later, I received an IKEA Project Card in the mail. 

I called IKEA and reported it on XX/XX/XXXX. They sent me to a FRAUD line that never picked up. I tried a few other occasions and could never get through. When the Lender called me on XX/XX/XXXX, they put me through the FRAUD line and an investigation has finally started. Before then, the Lender mentioned to me that the purchases were made at a MD store. That is different than what I received on the text messages. The card bill I received does say MD and the amount of {$300.00}. I am worried there may be more than one account because when I call in with my number the balance was {$800.00} in XXXX. 

Once I reached the FRAUD line, they said they would start an investigation. They also stated that the email attached to the account is a different one than the one I told them today, which may explain why these purchases don't show up on my internet account. 

The account is in the name of XXXX XXXX. I have updated my name to XXXX XXXX XXXX for my IKEA account since XXXX or XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XX/XX/XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XX/XX/XXXX acct no XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
Product: Debt collection

I was wrongfully charged by XXXX XXXX back in XX/XX/, and submitted Disputed Request. They ignored me, and then, forwarded a {$28.00} bill to the Credit Management Services for collection. The case with XXXX XXXX is still in dispute and I have contacted them numerous times to no avail, starting a lawsuit against them. 
I contacted this Collection Agency : Credit Management Services on XXXX XXXX, XXXX. The lady first fooled me into getting personal information. First, she asked for my birth date, which I provided un-suspiciously! Then when she asked what phone number to contact you, I figured it's their tactic to get enough information to be able to ruin my credit with the credit bureaus! When she figured that I am asking not to continue and I won't pay until the dispute is resolved with XXXX XXXX, she simply hung up! 
I am very worried that Credit Management Services having my birth date on their file, then will cause a lot of damages to my personal well-being, finances, and other damages I can think of. 
As a very minimum, I am requesting them to stop, and remove my birth date from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo pulled a hard pull on my credit and claimed that they lacked correct info. XXXX notified me within minutes of the pull so it was clearly done on my account. I called to find out what was going and was told Wells wants to do another pull on my credit to fix their system error. No one would help and wasted my time last two weeks dealing with their corporate office. They told me they could remove it from my record- they now say they can not do anything. They are XXXX. Dealt with a competitor and had no issues. Wells needs to be held accountable for their inappropriate business practices.
Product: Credit reporting or other personal consumer reports

his letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful.

I am invoking the following legal protections to demand swift and transparent action : Kentucky Consumer Protection Act ( KRS 367.110 et seq. ) - Protects consumers from unfair, false, misleading, or deceptive acts or practices, including inaccurate credit reporting.

Kentucky Fair Credit Reporting Act ( KRS 367.363 et seq. ) - Requires credit reporting agencies to investigate disputes and remove or correct inaccurate information promptly. Kentucky Civil Code 367.365 - Mandates credit reporting agencies to block fraudulent information upon receiving valid documentation of identity theft or dispute. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

XXXX XXXX XXXX XXXX I will not tolerate any lame excuses like documents XXXX I XXXX sending all my verification documents attach with letters from XXXX XXXX and XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I filed a complaint regarding three bankruptcies that were incorrectly placed on my credit report by Experian. I informed Experian that these bankruptcies do not belong to me and were mistakenly associated with my credit file due to someone else with a similar name. 

To support my claim, I provided official documentation from the courts confirming that there are no bankruptcy records associated with my name. Additionally, I submitted a copy of my XXXX report, which is a primary data source for Experian, and it also shows no bankruptcies listed under my name. 

Despite receiving this clear and verified evidence, Experian has refused to remove the inaccurate bankruptcies from my credit report. Furthermore, Experian falsely claimed that it never received any supporting documents, even though I submitted them through the Better Business Bureau ( BBB ), the Consumer Financial Protection Bureau ( CFPB ), and Experians online dispute center. 

I am demanding the immediate deletion of these fraudulent bankruptcies from my credit file, as they are inaccurate and unjustly impacting my credit. I have resubmitted all necessary documentation with this complaint to ensure proper handling of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX.On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I got an email from XXXX XXXX stating that i have a new inquiry on my XXXX report. It states XXXX XXXX checked your XXXX credit report recently. I do not recognize this inquiry.
Product: Payday loan, title loan, or personal loan

We are recepients of a PPP 1st Loan. We are unable to access the loan documents and are being denied a 2nd PPP Loan based upon the Lender 's Bank of America 's inability to correct their software .... We have an online account as a Paycheck Protection Program Loan - XXXX ... We have been on the phone and online since XX/XX/XXXX. 
1. XX/XX/XXXX - Telephone Call for ( 2 ) Hours with ( 2 ) Customer Service Reps 2. XX/XX/XXXX - Online to PPP BofA Account - Popup said " You have no loan connected with this account '' however, when you used the tool bar and clicked Accounts the Loan Appeared {$37.00}, XXXX XXXX. XX/XX/XXXX - Another Online attempt using the link email to our office, and were again unable to proceed.

4. XXXX, XXXX, XXXX - Again went online to XXXX XXXX where the original loan docs were submitted and received a notice that this was no longer supporting BofA Docs.?? 
4. XX/XX/XXXX - Now the Loan Applications are expiring and Bank of America still has not responded or corrected their software to accomodate submission of loan applications. 
4. Several calls to Bank of America the number provided online XXXX with no calls back or results. 

This lack of support and software for this PPP Product by Bank of America is criminal. 
We now have to figure out how to keep going after being discriminated against by Bank of America
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expierian has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXXt Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 reporting, credit repair services, or other personal consumer reports

Fraudulent account was open without my permission or consent. My phone number and other personal information was used to attend an account through a company called a Acima credit. 
Prior to contacting this credit company I had contacted the authorities, created a police report and a federal trade commission report of identity theft as well as provide it all supporting documents to all three major credit reporting agencies about the fridge in the intrusion an incident. 

The account was investigated as fraud through the credit report agencies and deleted as a fraudulent account. On the same day, this company reported this fraudulent account causing punitive damages and making it impossible for me to complete my mortgage transaction. From that I have lost my money due to these companies in ability to read a police report which defines all the information necessary to delete this fraudulent account. This company has done so and then has turned around and reverse the action the same day. This reversal from my understanding based upon the phone number that was used fraudulently to obtain many things including cars, credit cards and this account here. 

I feel that my rights have been violated I requested them to remove this fraudulent account based on the fact that they did not provide any information to me and they do not have an address where that information couldve been sent to where I could have received notice of this fraudulent account therefore preventing it from hitting my credit report and working through the fraud processes of clearing this account. Instead they proceeded to place the account on my report without any notification be sent to me that there is a debt with their company that requires attention or clarification. Furthermore, upon receiving The police report I didnt need that for four and supporting documents proving that a fraudulent transactions taken place, they still did nothing. 

I believe this companys practices are of a fraudulent nature to the fact that they are collecting on accounts even after the fact that they are deemed fraudulent accounts and they refuse to abide by federal and state laws that govern them and actions pertaining to identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX transunion and XXXX. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Credit card

I closed up a PNC Credit Card account on XX/XX/XXXX  and paid in full. But PNC bank kept on Charging a monthly fees of {$100.00} from XXXX XX/XX/XXXX  till XX/XX/. I realized it in XXXX. I called and complained. PNC told me that they send out a check to my old address, but I didn't receive the check. I visited the PNC location and updated my address but nothing happened. I receive a call from XXXX : phone # XXXX and XXXX XXXX and spoke to XXXX, She gave me a case # XXXX. and she said someone will call you back.. It kept me dragging along and taking me in a circle.. Every time I visit the PNC Location and I call them.. and no one does anything ... PNC Bank dragged me on for 2 years...
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report today, and I have no idea why theyre there. Ive reviewed my credit report like I usually do, but this time, something is seriously off. I even refreshed my browser, hoping it was just a mistake, but the inquiries didnt disappear. I need this issue resolved immediately, and I ask that the documents Ive provided be carefully reviewed so I can finally have peace of mind.
Product: Debt collection

MIDLAND CREDIT GROUP IS TRYING TO COLLECT A DEBT FOR XXXX XXXX THAT ACCOUNT HAS BEEN CLOSED ALSO I NEVER GOT NOTIFICATION BY MAIL EMAIL PHONE CALL STATEING IT WAS TURNED OVER TO MIDLAND CREDIT GROUP I NEVER COULD HAVE PUT IN WRITING OR EMAIL ABOUT WHY I AM DISPUTING IT ALSO NOBODY FROM XXXX XXXX NOTIFIED ME MY ACCOUNT WAS SOLD TO MIDLAND CREDIT GROUP
Product: Money transfer, virtual currency, or money service

I had to make a transfer to the account of one person, and the money went accidentally to a completely unknown account at the moment the company can not help me
Product: Payday loan

I received a loan with big picture loans was never advised of he apr 832 % that I would be charge for a loan that I would be paying that increase amount over the borrow amount
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Mortgage

I am writing to express my concerns regarding the user experience on the payment portal, XXXX XXXX XXXX Each time I attempt to log in to pay my mortgage, I am redirected to XXXX XXXX XXXX XXXX XXXX This requires several clicks to navigate back to LoanCare, adding unnecessary steps to what should be a straightforward process. 

These intrusive ads are not only distracting but also present an additional burden when attempting to pay my mortgage. I have no intention of refinancing at this time and find the inability to opt-out of these advertisements particularly frustrating. 

I reached out to LoanCare customer support and was informed that there is currently no option to disable the forced advertising content. I urge LoanCare to reconsider this approach and offer a more user-friendly experience for their customers. 

CFPB : XXXX XXXX XXXX XXXX XXXX provide any guidelines applicable to this situation? It is anti-consumer to have intrusive advertisements in the process of paying a mortgage.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO CARD SERVICE*****Date Opened XX/XX/XXXX Balance {$0.00} Charge Off WELLS FARGO BANK XXXXDate Opened XXXX. XXXX, XXXX Balance {$0.00} Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

Inability to log in and trouble making and receiving credit for payments
Product: Money transfer, virtual currency, or money service

I got a notification that my account was closed because it goes against their policy. I request 3 times what policy I violated and how. Every response was that I violated policy.
Product: Debt collection

On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to World Finance. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.