23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was texted a message with information that I had a new XXXX account. I had never opened an XXXX account. On the advice of my credit card company, I proceeded to freeze my credit in hopes that would dissuade identity theft. Freezing my credit through XXXX and XXXX was quick, thorough, easy. and efficient. However, when I tried to freeze my credit through Experian, they kept trying to force me to join and to buy their credit protection products. I was unable to communicate this problem to them without joining. Identity theft is a huge problem in our country. This company needs to become more consumer friendly and accessible to help solve the problem. Plus, I am almost XXXX years old, and this situation is anxiety producing enough without being stonewalled by a company that is supposed to be there to help.
Product: Payday loan, title loan, or personal loan

In the past, I have had numerous installment loans with Tower Loan, a local finance company. All of the loans have been paid off. However, they are showing a couple of late payments on my credit reports. I am on a fixed income and I always paid them on the first or close to the first of the month, each month. I have spoken to the Manager and he stated that there is nothing that he can do. However, they are always calling my phone, trying to get me to sign for another loan with them. I have all of my receipts, proving that I was not late paying theses installment loans. The two loans that are appearing on my credit reports are : 1. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1600.00} 2. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1300.00}
Product: Credit reporting or other personal consumer reports

Child support is effecting my credit score in a major way and it didnt start off as a credit transaction I sent out dispute letters and never get it removed.
Product: Credit card or prepaid card

on or around XX/XX/2021 a credit card was opened in my name as a result of identity theft. I have tried on several occasions to contact navy federal credit union about this fraudulent account but they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I was expecting my unemployment edd card from BANK OF AMERICA. At the time my neighborhood was expecting mail theft. So called the bank yo get a estimate on when I would receive my card.I was told that the card was already sent out. I stated that I hadn't received the card. I was then told not to worry they would send me another card expedited service. 2 days later I received my card. After I activated it the recording said my balance was XXXX. My card was suppose to have a little over XXXX on it, I explained this to the customer service. I was told that I would receive a call back .That was on the XXXX of XXXX. I called back 3 days later and explained again my situation again i was told I would receive a call back. Never got a call back so I called back around a week later after a XXXX XXXX hour wait time I was connected to the claim dept. and after I again explained my problem she looked over my account and said there was XXXX dollars in charges. She told me to fax in a statement saying that I never received my card and that I didn't make any of those charges, and that I was not in the State of Texas using my atm card. I did so the followin morning. After 3 more days of waiting for a responce wich then made it 19 days from my first call i called again and didnt get no information on my claim. im getting no calls back from them either,
Product: Credit reporting or other personal consumer reports

Again, I was a victim of XXXX XXXX and this is another request to remove the information from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
TXXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX I got an email alerting me that my email address had been changed on my Experian account. I had not changed it. 

I am a victim of identity theft, so it was clear to me my ID thief, who I know has my social security number, had seized control of my Experian account. This is a big problem for obvious reasons. I tried to log in to my Experian account and they said the user didn't exist. 

I emailed the publicly listed customer service email for Experian, as well as the one listed in the email they sent about my email address being changed. I didn't hear from anyone for 2 days. The next morning when they were supposedly open, Monday, I called their customer service line listed on their website, but it was impossible to talk to a real person. This was obviously by design. 

When they finally emailed back, it was from the non-publicly listed email that was in the " your email address has changed '' email. I asked them to provide some verification that they were really from Experian, since they were asking for personal information and it was an email address I couldn't find publicly listed. Two more days later they responded by writing, and I quote " I'm happy to inform you that the previous agent and me are from Experian and we are from the Email Department of Experian. '' This is ridiculous. Adding the registered trademark symbol to the end of the company name and saying you're from there is not real verification. 

I want to talk to a real, verifiable person from Experian on the phone and get this resolved. The email situation seems exceptionally shady, and their security system was so lax that my ID thief was EASILY able to seize control of my account. They also leaked all my personal information in XXXX which is likely how I find myself in this situation in the first place. 

Every day my ID thief has control of my Experian account means they are able to apply for more accounts in my name and get credit pulled. 

Even better- I would like to prevent Experian from gathering any more information about me and expunge all my info in their records because they have been so wholly irresponsible with it. If lenders need my credit report, they can use the other credit bureaus. 

Thank you for your help in this matter.
Product: Debt collection

Westlake financial customer service XXXX XXXX rep called me and told the call will not stop unless I paid today the sent me a email for request for payoff credit form and contract I never asked her for these things told me Im 4 day past the due date I said call cant continue if I have been notified she said they will this happened XX/XX/21 she pretty much just threatened to report to my credit if I dont pay her that day
Product: Debt collection

I have been receiving repeated robo-calls to my number, XXXX, which my XXXX  uses. The calls are from XXXX, and the recording identifies the company has Harris and Harris Ltd, and states that they are calling to collect a debt. I called the company to find out if the debt was legitimate, and they informed me that the name on file for the debt is XXXX XXXX. When I started to tell the agent that my XXXX  's name is XXXX XXXX the woman yelled at me and said " I know you just heard me say the name is XXXX XXXX XXXX of course that's not your XXXX, XXXX. '' She then hung up on me before I could request that they remove me from their lists. I then called back and spoke with XXXX more people about stopping the calls, but they kept transferring me around until I ended up on an endless hold. We are on the federal do not call registry. I want this company to stop calling us, and I want them to face whatever remedial or punitive action is necessary to stop their current business practice of nagging unverified phone numbers with robo-calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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

The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA NA Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I was not notified by medicredit Inc in the 30days to dispute nor did I receive anything about the claim against me from them. I had no knowledge of this collection agency until I look on credit report. They bought it from XXXX XXXX which I applied for hardship with XXXX XXXX. The amount is {$910.00}.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 card

On XX/XX/XXXX while attempting to book a flight with XXXX XXXX, an advertisement for the American Express Credit Card appeared. Intrigued by the offer, I decided to check the terms and found that I met the eligibility criteria. Consequently, I proceeded to submit an application. 

I was excited to take advantage of the welcome offer, which required me to spend {$2000.00} within a specified time frame. I met this spending requirement as prescribed. 

After not receiving the welcome offer as expected, I contacted your customer service on 3 times. To my surprise, I was informed that I was not eligible for the offer, despite meeting the requirements as outlined in your terms and conditions. 

A promise was made to investigate this issue, and I was told that I would receive an email within a couple of weeks with further information. However, I did not receive any communication from your team. 

Feeling frustrated and concerned about the situation, I reached out to your customer service again on XX/XX/XXXX. The representative I spoke with was unable to provide any resolution, so I requested to speak with a manager. 

I was connected with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who also appeared unable or unwilling to help me resolve this issue. 

Left with no other option, I sent an email to your customer relations department, but I received no response. 

On the same night, I contacted your customer service yet again to ensure that my concerns were being addressed. I spoke with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who attempted to assist me but ultimately could not resolve the matter. 

My experience throughout this process has been incredibly frustrating and time-consuming, and it has left me feeling unsupported as a customer. I believe I have met all the eligibility criteria as stated in your terms and conditions and should rightfully receive the welcome offer as initially promised. The lack of communication and assistance from your customer service team, as well as my inability to receive a satisfactory resolution, has been extremely disappointing. 

I am now left with no choice but to consider submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. However, I would prefer to resolve this matter directly with American Express if possible. I urge you to reevaluate my situation and take the necessary steps to ensure that I receive the welcome offer I was promised. 

I kindly request that you investigate this matter promptly and communicate the results of your investigation to me in a timely manner. I believe in the importance of a positive customer experience and hope that this issue can be resolved amicably.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan on my vehicle in XX/XX/year> where the amount was XXXX. Two years passed by and I only paid about XXXX and my monthly payment is {$780.00}. I pay like XXXX in every month towards the interest and my principal does not go down. I have over 4 years more to pay. I pay daily interest even in my grace period even if I pay a day later than the XXXX. They can not offer any solution. I stuck with this loan and my car has no gap insurance as no one offer it to me. One Main Financial just make the situation worse than it is and not offer any long term solution just to pay the loan by the XXXX in each month. I am in a situation where I have no place to turn and get assistance to see myself out from this loan. My car worth half if I wish to trade in than the loan on it which is XXXX. I am trying to see if I can lower my payments on the car around {$500.00} would be manageable but in our current financial situation I am having a really hard time to manage the whole thing. I was warned if I do not pay by the XXXX the car is not secured. The title is with them and they can get it from me if that is the case. If I late and out of the grace period they made me pay the daily interest as well. I am not sure how longer I can pay this loan with this conditions and I am seeking assistance from a higher level and to investigate how One Main Financial manage its operation. 
My name has changed since I created the account it is XXXX XXXX.
Product: Credit reporting

i sent a removal of credit inquiries to all XXXX credit report company 's on XXXX/XXXX/16 and i was advised that they could not remove the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XX/XX/2021
Product: Credit card

I attempted to pre-qualify for a car care credit card through Synchrony Bank, but instead of a sift pull it did a hard pull. I wanted to pre-qualify so that I was not adding any hard pulls to my credit.
Product: Credit reporting or other personal consumer reports

Trying to remove fraudulent address from my Experian Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX. Account number : XXXX - Account name : XXXX XXXX . -Account number : XXXX. Account Name : XXXX XXXX XXXX. Account number : XXXX. Account Name XXXX XXXX XXXX. Account Name : XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : 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 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citi Bank introduced Flex Loans ( an installment plan using ones available credit on an existing credit card ) and advertised them heavily. I used one of the offers to finance an unexpected home repair. After the Flex Loan was in place their website offered me a 0 % APR balance transfer. Having used balance transfers before, Im reasonably confident in how they work and felt comfortable using this offer. After making two payments on my account now with two balances at different APRs, I learned that based on Citis payment allocation rules, its not possible to pay anything toward the 0 % balance until the Flex loan is paid in full. The 0 % offer expires about 2 months before the final Flex Payment is due. Thus, if I dont pay the Flex Loan early, I will get hit with the interest on the 0 % balance, making this offer  impossible to use in real life. The system that generates these offers should have been programmed with this understanding. I find it hugely deceptive to be presented an offer that I cant effectively use. 

On XX/XX/19 I spoke with XXXX via chat who confirmed for me this is the case. I then called and spoke to a person who didnt seem to understand what I was saying, so escalated to her supervisor at my request. The supervisor also confirmed for me that this is the case, but could only document my complaint as a resolution as there is no fix, other than for me to pay off this card and not look back.
Product: Credit reporting or other personal consumer reports

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline
Product: Credit reporting

I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current
Product: Debt collection

I have been calling for the last couple months as well as sending letters to get this item from XXXX off of my credit report. for 1 I was XXXX years old when this account was established. 2 I have never signed anything showing ownership of this account. 3 I have tried numerous times to get this taken off my credit report and this company has done nothing to try and get this resolved. 

Dates Ive contacted the company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX