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

I contacted Experian via phone and US mail to tell them about an account on my credit report that did not belong to me. XXXX notified me that my confidential information was leaked during their data breach and that accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that those accounts are not mine because i did not recieve any goods or services from the creditors and the creation of those accounts were not authorized by me. XXXX has already corrected this inaccurate data on their end so i dont understand why Experian hasnt done the same?! These inaccurate accounts are detrimental to my credit health and are making my finances take a toll for me and my family. in addition, the accounts are over 7 years old isnt that against the law? to continue to report old information? Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 604 15 USC 1681B , FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove these inaccurate accounts!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and dispute the following items on my credit report, as they are inaccurate and do not comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXXXXXX XXXX XXXXXXXX ( Accuracy of Reports ) and XXXX XXXXXXXX XXXX XXXX ( Treatment of Inaccurate or Unverifiable Information ). 

Under XXXX XXXX XXXX XXXX, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, according to XXXX XXXX XXXX XXXX, if any item of information is found to be inaccurate or can not be verified after a reinvestigation, the agency must promptly delete or modify that item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX CU XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I put the company on notice and advised under U.S. Code 1681e TransUnion has illegally blocked all access to me pulling my credit report online. I called and wrote into the credit agency and they refuse to respond and or honor my request to lift the internal block.
Product: Payday loan, title loan, personal loan, or advance loan

The company seems to have gone against The Military Lending Act by making me create an allotment for their payments and charge me over 36 % interest on a loan I had taken out with them. I have had multiple loans with them and have had them do this.
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I applied for a loan with One Main Financial, initially through a link on XXXX XXXX. Nothing on One Main 's results on XXXX XXXX said that the loan was a secured loan. The button I clicked, in fact, said " Take this offer ''. I clicked it after reviewing the terms of the offer. Nowhere did it say this was a secured loan, and in fact, other offering below the One Main offers were clear that they were secured loans. 

Since I was " taking the offer '', I clicked to accept the terms and authorize a credit check. The response was " you're approved '' and this was on One Main 's site. Nothing to indicate that this was for a secured loan. I filled out some information for open an account with One Main and then they asked for my car insurance and car ownership documentation. Although there was still nothing from One Main to indicate that this was a secured loan, I was suspicious. I called One Main and waited on hold for 45 minutes. Their person- on a recorded line they said- told me that I was not approved for an unsecured loan, but for a secured loan. I asked if they had done a hard credit check. He said yes. I advised him I was making this complaint. 

My complaint is this : This practice is bait and switch. One Main offered me a loan, presented the interest rate, the term, and the monthly payments and made no mention of the " secured '' nature of the loan- in fact never did until the male customer service person told me about it. Their acceptance button said " take this offer ''. Even in their Document Verification screen, in which they asked for pay stubs, and the car registration and insurance information, made no mention of the secured nature of the loan. 

At the very least, this is a sleazy business practice, but it also rises, in my opinion, to bait and switch, and possibly misrepresentation. 

Second, I applied for, and was approved, for a {$2000.00} loan. Yet, the confirming email from One Main states, in the fine print, that the minimum loan for Virginia residents is {$2600.00}. That confirming email did not appear until after the application. So they offered me a {$2000.00} when they knew, or ought to have known, that even if approved, the minimum must be {$2600.00}. [ Screenshot attached ] What explains why they would offer a {$2000.00} loan and then state a {$2600.00} minimum?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Kindly remove this account from my records as it does not belong to me. I am distressed that it has appeared on my credit report, and I urge the business to rectify this promptly. I am disappointed by the inconvenience caused.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I am reaching out regarding funds that were fraudulently withdrawn from my XXXX XXXX XXXX XXXX account via XXXX XXXX. Unfortunately, I do not recall the exact dates, but these transactions occurred approximately two to three years ago. 

At the time, I noticed unauthorized transactions linked to my account, which I immediately flagged as suspicious. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX support to report the fraudulent activity and requested assistance in investigating and resolving the matter. Despite my efforts, the issue was not resolved satisfactorily, and I did not receive the stolen funds back into my account. 

The unauthorized transactions caused significant inconvenience and financial strain during that period. I have always maintained my account securely and have not shared my personal or account information with anyone, so I am unsure how my account information was compromised. 

I kindly request your assistance in reviewing this case to determine what actions can now be taken to investigate the matter further and, if possible, recover the lost funds. I am willing to provide any necessary additional details or documentation you may need to help identify my account and assist in resolving this issue. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) Ai, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Notice of Dispute This is concerning Account XXXX : XXXX. I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act, and all I received was a copy of the alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations in GA has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 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 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: Debt collection

I have repeatedly been called at work by American Express after asking them to stop. Today, XX/XX/2018, they called my work again and my mother 's phone, which has never been provided to them. I was told the same thing I have been told twice before, they would no longer do it again. This is unacceptable.
Product: Credit card or prepaid card

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

TransUnion made changes to my report but still has a phone number related to identity theft as the phone number in my fraud alert. 

TransUnion has failed to block information related to XXXX account XXXX which had fraudulent activity as result of identity theft as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I have submitted police reports, identity theft affidavit, proof of identity as well as a statement that I did not receive goods or services as a result of these disputed transactions, and that the request was not due to error or material misrepresentation. 

TransUnion has failed to block the following inquiries as a result of this identity theft even though my identity theft affidavit stated I did n't apply for credit with these lenders : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Vehicle loan or lease

i leased this vehicle directly from a KIA dealership in XXXX. The vehicle is financed through Kia Motors Finance ( a/c # XXXX XXXX. For the entirety of the lease term the vehicle has been registered in the State of XXXX a few months ago Kia Finance sent me a statement indicating that I owed Texas personal property tax. At taht time, i called Kia Finance and explained that the car is registered in XXXX the rep requested that I mail a copy of the XXXX registration to Kia to rectify the matter. I complied with the the request. Now I see that Kia has reported me to the credit bureau for the unpaid tax. i called KIa but was unsuccessful getting through. I want my credit report repaired and the tax be removed from my account. thanks
Product: Debt collection

My dispute was sent on XX/XX/XXXX and by law XXXX XXXX XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
Product: Checking or savings account

I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.
Product: Mortgage

I made my payments for XXXX and XXXX they shredded one of the money orders for a XXXX dollars. So I sent copies of both money orders with my XXXX payment and the express receipts showing when they where received. I didn't get a response so I file a complaint XXXX of XXXX they stated they would have a research team look into it and I have still got a response and they are trying to charge me late charges. I have copies of the money orders and Express forms and all the email correspondences. I am not paying for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

According 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. 

So for this account with XXXX XXXX XXXX XXXX XXXX Account number # XXXX they have broken this federal law for XXXX and XXXX payment. They have treated late payments on all my credit profiles Experian, XXXX, XXXX which is illegal under an open end consumer transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

on XX/XX/XXXX of XXXX  I requested that Equifax provide me with the method the used in validating the accounts listed in the attachment and they had 5 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.
Product: Credit card

I opened a Bloomingdales credit card thru Citi bank in XXXX. I attempted to utilize the card within days of being approved, as well as a follow up attempt to use the card once I received my physical card. 

Both times, an order placed online at the specific stores website, XXXX, was made by me. However both purchases were immediately and very clearly canceled by the store. At the stores discretion they refused to ship me my purchase. No purchase was ever completed with this card This also happens to be the 3rd card Ive had now that was issued by Citi bank and they all have done this same exact thing to me.