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

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Product: Credit reporting or other personal consumer reports

I am writing a complaint against TransUnion regarding the reporting of an inaccurate address on my consumer report.According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Despite my efforts to dispute this incorrect address, it continues to appear on my credit report, which violates the accuracy requirements stipulated in the FCRA.TransUnion stated that they based their reporting on a USPS change of address form ; however, this form is insufficient evidence to prove the accuracy of the address. A USPS change of address does not confirm that I reside at that address, nor does it provide context regarding my relationship to it.TransUnion didn't even send the document to prove this I filed this form which I never did file any USPS form. The FCRA requires a proper investigation, which includes reaching out to creditors as well as personal contacts such as family, friends, and associates. TransUnion did not conduct such an investigation, failing to verify the accuracy of the address through a comprehensive review of relevant sources.To support my claim, I am including copies of my state ID and a recent bank statement that clearly reflect my accurate address. These documents demonstrate that the address reported by TransUnion is not valid and should be removed from my consumer report. The address that is incorrect is listed on the dispute letter i will attach and is listed on the report I will attach along with the state ID and current bank statement that proves my accurate address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX  ) claim they can not remove an unauthorized inquiry from my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX I paid off all credit card debt. Transunion and XXXX reflected XXXX XXXX balance but never updated my credit scores. I have requested my score and can not get it updated. I now as of today gave XXXX account less then XXXX debt and my credit score is not being updated. XXXX is the only one that has reflected a current credit score.

I want my credit score update and a copy of my credit report.
Product: Debt collection

XX/XX/2021 I sent XXXX a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After 30 days of getting no response, I sent another letter on XX/XX/2021 informing them that I havent gotten a response if 30 days so by law they have to remove all unverified accounts. And they have yet to respond to any of my letters. And my certified mail tracking shows letters we successfully delivered. Also XX/XX/2021 I sent Transunion a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After almost 30 days of getting no response from them either, sent another letter on XX/XX/XXXX informing them that I havent got a response in 30 days so by law they have to remove all unverified accounts. And they have yet to response to me as well. And my certified mailing shows mailing was successfully delivered.
Product: Debt collection

I purchased and returned a watch to Kay jewelers ( {$990.00} ).  The watch was sold to me broken and I returned it to the XXXX XXXX location where I purchased several products from. I was told that they would return it to headquarters for repair. And they took the amount I paid and gave me credit to purchase another watch. Now they are attempting to charge me for a watch that was returned at there store 2years ago. They didnt contact me through mail or calls because I would have disputed it. Now a lawyer is contacting me. I answered the summons and gave the same response
Product: Vehicle loan or lease

Car accident on XX/XX/XXXX and car was totaled per insurance adjuster. Received letter from Kia Finance dated XX/XX/XXXX stating " This letter serves as confirmation your insurance company notified Kia Motors Finance that your vehicle was deemed a total loss ... ... .Monthly payments are not required after the date of loss. '' Received letter for missed payments on XX/XX/XXXX, XX/XX/XXXX ; Notice of Default XX/XX/XXXX ; Statement of past due amount XX/XX/XXXX. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX who said account is pending payment from insurance, and no derogatory reporting will be reported to credit bureaus. 

Called Kia Finance on XX/XX/XXXX ; spoke with XXXX in Customer Svc - who referred me to XXXX XXXX in Collections - who transferred me to XXXX in Customer Svc -- who told me since this is a lease with claims, no payments required and nothing would be reported to credit bureaus. 

Called XXXX XXXX on XX/XX/XXXX and was told they are waiting on letter of guarantee from Kia. 

Received letter from XXXX XXXX dated XX/XX/XXXX stating they were still waiting for letter of guarantee. 

Called Kia on XX/XX/XXXX and spoke with XXXX who stated they sent letter of guarantee to XXXX XXXX on XX/XX/XXXX, and resent via fax and email on XX/XX/XXXX, but would take 2-3 days to be processed. 

Why are we receiving " attempts to collect a debt '' when initial letter said payments not required from date of loss, XX/XX/XXXX. Our jobs may be negatively impacted if this is reported as late payments or collections to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. I am a victim and made all payments on this closed account. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

They are trying to sue me for a debt that they cant validate. I tried to call the original creditor for information but couldnt get any. I have been trying to get assistance for the court case and have had no luck
Product: Credit reporting or other personal consumer reports

I filed a complaint with the credit bureaus XX/XX/2023 and received no change in results of inaccurate information on the XXXX and XXXX accounts that keep appearing on my report Thee reinvestigation I received no change the fair credit act States in 15 U.S. CODE SECTION 1681 I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) In general -if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( I ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, transunion, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Product: Debt collection

Discover calls everyday at least 5-10 calls per day ... sometimes twice per hour. This is harassment at its core. But I have asked them to stop yet they continue so it is now illegal and I am asking for your help to make them stop calling me.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> XXXX XXXX XXXX miners XXXX XXXX XXXX XXXX Nv, XXXX BK of Amer XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Clarification on Loan Charge-Off and Rescission Rights under 15 U.S. Code 1635 Dear Bank of America , I am writing regarding the status of my loan account, specifically the recent charge-off notice. I would like to address my rights under 15 U.S. Code 1635, which pertains to the right of rescission under the Truth in Lending Act ( TILA ). 

This law provides borrowers the right to rescind certain loan agreements within three business days from the date of the transaction or the date of receiving required disclosures, whichever is later. Additionally, in cases where the necessary disclosures were not provided, the right to rescind may be extended up to three years from the transaction date.

To ensure compliance, I kindly request the following : 1. Full Disclosure Documents : A copy of the original loan agreement and all disclosures provided at the time of the loans initiation.

2. Itemized Accounting : A detailed breakdown of the charges, interest, and payments associated with the loan.

3. Verification of Charge-Off : Documentation substantiating the charge-off, including the date and amount.

If disclosures were not properly provided as required by TILA, I may have grounds to rescind the loan agreement. Please review my account and provide clarification on this matter within the timeframe mandated by applicable laws.

I look forward to your prompt response to resolve this issue amicably. Please direct all correspondence to the address listed above or contact me at XXXX. 

Thank you for your attention to this matter. 

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

This is my follow up regarding incorrect information on my credit report that I have unsuccessfully tried to correct through multiple attempts with the credit reporting agencies. I have attached documentation of all my attempts to resolve these issues, including correspondence with the credit bureaus and responses received. Despite providing sufficient evidence that the information is incorrect, the credit bureaus have not made the necessary corrections. I request for your assistance in resolving these matters promptly and ensuring that my credit report is accurate. With this, I am asking for your assistance to correct the late open accounts and remove the public record in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX Bankruptcy Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Report showed : Personify credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I never made inquiries to those companies at those times. I have been notified that my personal information, including social security number was compromised by a data breach at XXXX XXXX XXXX. So, it is my belief that someone used my personal information to seek credit from these entities. I explained this to TransUnion when I discovered them on my credit report recently. However, I was advised to contact the companies using the contact information listed on the credit reports. When I attempted to contact them, I was unable to speak with anyone who could assist with either investigating or removing the inquiries. I was then advised by TransUnion to file this complaint with this agency.
Product: Debt collection

I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized fraudulent inquiries on my consumer report. This is considered identity theft according to the FCRA. I would like these fraudulent inquiries s to be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, and my information may be in the hands of criminals.
Product: Credit reporting or other personal consumer reports

I hereby state that I did not receive my periodic statement for my XXXX XXXX  account # XXXX from XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date. I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I signed up for a southwest rapid rewards credit card through Chase. They were running a promotional offer, an offer they are still promoting today, of which if you spend {$1000.00} within the first three months of opening your account, they will add 40K bonus points to your card. After opening my card, I spent the next few months spending the required amount. On their site it states that it may take up to 8 weeks for the points to be added to your card. After the eight weeks had passed, I still had n't received my bonus points. I reached out to them to ask why my points had n't been added to my account. As it turns out, to get the bonus points, I had to spend {$2000.00} within the first three months to receive 50K bonus points. This was not the offer I was believed to have signed up for. They clearly are running a bait and switch promotional offer to get customers to sign up. Customers believe they only need to spend {$1000.00} to get the points, when in reality they need to spend {$2000.00}. It is false advertising and misleading.
Product: Credit card or prepaid card

A credit card was opened at chase bank. It has been opened fraudulently .There are over {$3000.00} in charges that I never applied for. I have contacted Chase and they have not responded to correcting my credit report
Product: Checking or savings account

I received a letter from Huntington National Bank dated XXXX that an XXXX checking account was open online XXXX. On XXXX I called Huntington and opened a complaint.
Product: Debt collection

my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry, illegal pull and use of credit report.XXXX  reported that XXXX/XXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX/XXXX  inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX/XXXX  should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX  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 : 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.