23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Service Finance set up an unauthorized loan in my name. XX/XX/year>, my husband and I had our roof replaced by XXXX XXXX XXXX XXXX. My homeowners insurance paid for the replacement. My husband and I had a deductible amount of $ {$5000.00} on our homeowners policy. XXXX, an associate of XXXX XXXX XXXX XXXX stated that they dealt with a company that we could make lower monthly payments rather than paying all of the {$5000.00} now. I ask what a payment and interest rate would be on {$5000.00}. XXXX did not know the name of the company or the answer to my question. He ask to see my phone to find out the info I asked for and the name of the company. I foolishly handed him my phone. He also ask where I worked and my income, I gave it to him because I thought he needed it to get the payment and interest rate. He was not able to provide the name of the company or answer my question in XX/XX/year>. He stated the company would get in touch with me with that information. I never heard back from XXXX or the company until XX/XX/year>. When the company, now know as Service Finance, called in XXXX I told them I didn't need the info anymore. I had talked to XXXX before Service Finance contacted me and told him it was taking to long for them to get me that info and that I would just pay the deductible. 
It is when I called Service Finance because they called me for the first time in XXXX that I know of that Service Finance set up an unauthorized loan on me. They saw in their system where I told a Service Finance associated that I was no longer interested in that information on a payment or interest rate. It was noted in there system that I did not want a loan and to cancel whatever they thought they had on me. They were going to investigate why a loan was disbursed but in the mean time they want payments from me. Payment should come from XXXX XXXXXXXX XXXX XXXX  since they accepted the proceeds from the Service Finance unauthorized loan in XXXX. 

They keep contacting me for payment on an unauthorized loan. I have made several calls to them about where they are in their investigation. They will not tell me anything except they will contact me, I feel they are trying to take advantage of an elderly couple. My husband is XXXX and I will be XXXX in XXXX. We did not request a loan from them. It is unauthorized and the company knows this by their own notes in their system. I will not pay for the deception that I perceive. My husband and I need help. 

Thank you, PS, I never received a contract from Service Finance or XXXX XXXX XXXX XXXX  to be able to upload any contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new account reported on my credit reports which is not my account.
Product: Debt collection

knight adjustment bureau of XXXX Utah levied my bank account no notice no warning no documents telling me what for don't know total amount or what the debt is for i don't know total amount!!! my bank has no idea what its for or the amount all i know at this point is KNIGHT ADJUSTMENT NEEDS TO HAVE A FEDERAL AUDIT DONE ASAP i will be following this investigation and contacting every state and federal agency i have too the media as well if nothing is done
Product: Credit card or prepaid card

XX/XX/2023 @ XXXX cash app stole XXXX XXXXXXXX my card they link a XXXX card to my account without my knowledge ending in XXXX. I received a email and text telling me my email was unlink to my cash app account and some werid XXXX XXXX  debit card ending XXXX was unlink from my cash app once I notified cash app there's some fraudulent activity going on and my money was stolen they Act like they didn't card and cash app close my cash app account. .I made a Police report. This all happened in one day XXXX XXXX @ XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Collections for Myslef because I am a XXXX under the age of XXXX I have never opened up services or. A credit card in my name because It was impossible because I was born in XX/XX/XXXX. I have not reached XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

I called PNC bank dispute department XX/XX/XXXX. I was ask 10 verification unnecessarily. 
This man was XXXX  and out of his XXXX XXXX XXXX mind. 

On XX/XX/XXXX there was a charge on my account for a purchase I didn't make or authorize. I called the merchant and they e-mailed me a return label. I sent it back but I have not received the credit or refund back to my account. 

XXXX {$95.00} ON XX/XX/XXXX NOT MY TRANSACTION
Product: Credit card or prepaid card

XX/XX/2022 opened costco citi bank visa credit card Starting that day I received multiple calls each day from a company called credit national assist about an online request for financial help over the next 2 weeks XX/XX/2022 my identity was compromised and an account opened in my name with XXXX  XXXX XXXX
Product: Student loan

When I called to postpone my XX/XX/XXXX payment to be withdrawn in early XXXX, I was told by an agent that my monthly payment had gone down from {$1200.00} to {$520.00}. I asked the agent multiple times to make sure this was correct, I let him know that I had multiple loans and maybe he was reading something wrong. He assured me that {$520.00} was my new payment going forward. I went onto the website to see the amount due for XX/XX/XXXX and confirmed that it was {$520.00}. The agent and I made a new automatic payment arrangement for the new monthly amount due. When I called in XXXX to postpone my XX/XX/XXXX payment to early XX/XX/XXXX, I was told my account was past due {$920.00}. I was told that the agent I spoke to in XXXX was new and gave me incorrect information. I was told that not only had my payment not gone down, it had gone up from {$1200.00} to {$1500.00}. I let the supervisor know that I could not afford that and could not even afford the previous payment of {$1200.00}, which was a lowered payment agreement I had made about two to three years prior, after being told multiple times that I did not qualify for a lower payment based on my income. The supervisor checked my account in this instance in XXXX and once again told me that I do not qualify for a lower payment based on my income. The best she could do was to lower my payment by $ XXXX if I payed interest only every month. I was told that my monthly payment had gone up due to an interest rate increase, which I do not believe since I recall my interest rates being considerably higher when my payment of {$1200.00} was set in place. I am struggling financially with this supposed error made in XXXX since it has resulted in a now {$2400.00} past due amount in addition to {$48.00} in unpaid fees. Since I was unprepared to make my XXXX payment of {$1500.00} XXXX asked to make the {$520.00} payment as planned for XXXX in early XXXX, and I would begin making the new {$1500.00} at the end of XXXX. This new payment along with slowly bringing the past due current is going to further make it difficult to meet all of my monthly obligations, pay for my health care, and put food on the table as it takes roughly 50 % of my income. These difficulties have been present and insurmountable for years because if Navient and are now made even worse.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Experian 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 ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting

My address is listed twice on my credit report and XXXX of them is incorrect by XXXX digit for an unknown reason. There is no dispute option with the credit reporting company for simply information appearing incorrectly. Please see the attachment of an image from my credit report where the information appears incorrectly. Due to not disclosing any personal information, I will not specify which of the addresses is the correct XXXX, yet. Please let me know how to proceed. Thank you.
Product: Credit reporting or other personal consumer reports

I applied for an XXXX credit card and was turned down with a note that TransUnion was " unable to verify my identity, '' I got in touch with TransUnion and discovered that they had an incorrect social security number for me. However, I was informed they could only change this if I sent a physical " dispute '' letter to them with copies of my social security card, ID and so on. I sent that dispute letter 9 days ago. However, I have heard nothing back, and when I called they were unable to confirm receiving my letter. They also reconfirmed that they were unable to change the bad information without such a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. XXXX refuses to remove it even though XXXX  did. A tropical storm that happened in 2015 caused XXXX XXXX XXXX to remain on my credit profile which is causing me rental issues during pandemic. XXXX refuses to remove it even though XXXX  did. I am sick of making pointless disputes when XXXX seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks
Product: Credit reporting or other personal consumer reports

Subject : FCRA XXXX TransUnion 's Failure to Conduct a Proper Investigation Complaint Summary : I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by improperly extending the timeframe for investigating my credit dispute, failing to allow me to submit supporting documents, and failing to properly investigate my dispute despite multiple previous submissions.

FCRA Violations by TransUnion Failure to Complete Investigation Within the Required Time ( 611 ( a ) ( 1 ) ( A ) ) Under the FCRA, credit bureaus must complete an investigation within 30 days of receiving a dispute. 
My original dispute was received on XX/XX/year>, which means the legal deadline for completion was XX/XX/year>. 
TransUnion falsely extended the timeframe by XXXX additional days because they received additional information on XX/XX/year>. However, the FCRA only allows an extension if the consumer provides additional information voluntarily, not when TransUnion delays processing existing submissions.

Failure to Allow Consumers to Submit Supporting Documentation ( 611 ( a ) ( 2 ) ) TransUnion does not provide a way for consumers to upload supporting documents through their dispute system. This prevents me from exercising my rights under the FCRA to provide evidence supporting my dispute. 
I have mailed multiple dispute letters and supporting documentation, yet TransUnion has failed to acknowledge or properly process them.

Failure to Conduct a Proper Investigation ( 611 ( a ) ( 1 ) ) TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes information on their credit report. 
Despite multiple dispute submissions and reports filed through the CFPB before XX/XX/year>, TransUnion has failed to investigate properly or remove fraudulent information from my report. 
The delay appears to be a tactic to prolong the dispute process, which violates the FCRAs requirement for timely and accurate investigations.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Closed Account. Paid. Shows as in collections. Account was not registered n collections and was closed on XXXX XXXX XXXX I have attached the original court order along with XXXX  years of payment history. ( XXXX As far back as I could go ) Ive paid as agreed or more every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score being reported by Equifax is incorrect. When I log in to their system, the explanation provided online is : " Key Factor ( s ) Affecting Your FICO Score : 1 Serious delinquency FICO Scores consider the presence of a serious delinquency ( very late payment ) on a persons credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies.

2 Too few accounts currently paid as agreed FICO Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts. '' I have ordered and reviewed my credit reports from all three bureaus and there are no past due accounts and no delinquencies reported. 

I have called Equifax twice, XX/XX/2023 and XX/XX/2023 to ask specifically what the " Serious Delinquency '' is and which accounts are not paid as agreed. They have told me that there is no negative information in my credit file. They just state that " It is the " algorithm ''. When I ask them why these two items are specifically called out, they have no answer. 

My FICO score has been above XXXX in the past and nothing has changed in my personal circumstances. 

Please help. 

Thank you, XXXX.
Product: Debt collection

On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal Number 15-1444, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX  and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.
Product: Debt collection

A long while back I had a Target retail card that went over its limit so they shut the card off. I was then asked to pay the whole amount plus late fees and interest and when I asked for a payment plan, they denied it and told me to pay the full amount. When I finally was able to pay the original amount, at that time, they ended up adding an additional {$300.00} plus dollars to the bill. When I tried to pay the original amount. I was told to pay the whole {$900.00} plus. That was over a year ago, for a whole year I received no communications. Since then I've been paying other debts off and they came back after a whole year of no contact. I've been getting several calls a day with no voice-mails. 

XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX They are repeatedly calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 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. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX XXXX violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 or other personal consumer reports

Upon attempting to obtain a XXXX XXXX XXXX, purely by co incidence im sure, after years of having an impeccable payment history with spans of account not being used, citibank decided to cut my consumer line of credit in half, it was a XXXX XXXX XXXX account. Thats just the start.that is regarding the consumer line of credit with home depot. Citibank is the creditor. 
Then there is a second line of credit a commercial line of credit also XXXX, opened under XXXX XXXX XXXX XXXX. I am the owner and sole proprieter of XXXX XXXXXXXX XXXX XXXX This business has no employees, has no employer identification number. The line of credit was opened utilizing my personal social security number. 
Yet citi bank has never reported this account on my credit. When confronted after cutting my consumer line in half, they stated it was under the business identity. 
I am the business identity. In fact home depot refunded materials on that account when i first opened it, and they sent me a check made out to XXXX XXXX XXXX XXXX. I still have the check. I had to fight with them to put my given name on that account and re-issue a check as the business was and is run through my personal account. I have and will accept full liability for XXXX XXXX XXXX XXXXXXXX then and now, hence XXXX XXXX. 
Whole applyling for a new line of credit or a loan for a start up, XXXX XXXX XXXX, citi bank suddenly cut my consumer line of credit, however they did not touch the commercial line, the one that they refuse to report on. Doing so offset my credit usage percentage, possibly being one of the reasons for loan denial. Now due to this i have had to extend more of my credit, making me further from my goal. 
Citi bank visa is guilty of violation of your own statute as well as 15 usc 1681 adverse action. This in concert with chase and the sba are absolutly wrecking my otherwise impeccable score. I started a month ago at XXXX fico XXXX and im still dropping last checked i was below XXXX. In one month partially due to citi banks part in this racketeering scheme to lower my credit forcing higher interestrates on loans. Not to mention the XXXX  leaking my information to XXXX XXXX  who hit my credit with a hard pull before my expressed authorization, im XXXX approved yet no XXXX lenders will loan me the requested amount, all dome back with a lower offer. Im recording 100 % of this, for offering a loan at a lower rate than requested is text book adverse action by definition of uscode. XXXX XXXXXXXX did it, XXXX has supplied at least 6 lenders that have denied a gauranteed XXXX backed loan in any amount or in an amount less than requested. I will gladly supply screen shots of most every one of the firms that have adversly affected my credit in this manner. READ THE CODE, 15 usc 1681. ADVERSE ACTION! Offering a loan amount for a lesser amount than requested is a violation of this code.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX mobile deposited my paycheck from my employer on Cash App for the amount of {$1300.00}. I was told it would be available in XXXX business days. Its now been 10 days total ( XXXX business days ) and I still dont have access to my funds. Whenever I reach out to support for help they refuse to help me or give me an update. Ive called support, spoke to them through the app, even reached out through social media and Ive yet to receive any type of help. This has caused me to be late on credit card payments which has affected my credit. Now Im risking not being able to pay rent.