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

The harassing phone calls began, after I took my payment scheudule off of the automatic debit, from my checking account. I still make my payments, in the same fashion, however, I am two weeks behind. 

One Main Financial, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has continuously called my cell phone, up to 6 or 7 times a day. They have also called my place of business. 

I believe the phone calls are intended to pressure, intimidate, annoy and stress me into getting back on the automatic account debit. 

I have made my payments on time through this method, for over 3 years. 

I refuse to pick up the phone, and continue to make my payments on-line during the month that it is due. 
This is a predatory lending institution that preys on those that are in financial binds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

For roughly the past 6 months my debit cards have been compromised and ally refused to tell me they were compromised. They led me to believe these charges were harmless and posed no risk to my account, it turns out that all of their cards are compromised and I am now worried about my debit card. 

Most recently I had fraudulent charges attempted on a closed debit card on XXXX. Ive contacted them about 10 times and could never get a straight forward answer about why my debit card was not working properly. My debit card was randomly marking valid transactions as fraud preventing me from accessing my money, this occurred in XXXX. 

To summarize, my concerns are : -dishonestly around fraud and compromised accounts -thieves accessing locked down cards -debit card control feature not working, creating false security -ally bank disabling my fraud alerts after misleading me to believe their system was not compromised -ally flagging my transactions in XXXX preventing me from using my card -a XXXX  fraud charge attempted, which I dont believe they emailed me and I lost the text. 
-inability to reach customer support and get information from them Things appear to be ok right now but Im afraid my money will be stolen
Product: Credit reporting or other personal consumer reports

I received my credit report and notice it was not correct. I have XXXX XXXXate payments on XXXX of the accounts that was paid on time. The consumer reporting agencies need to report all information correct. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following XX/XX/year> XX/XX/year> XX/XX/year>. Could you provide proof with records that I had late payments. If this information cant be verified I would like these payments to be updated to paid on time asap. 

Thanks
Product: Credit reporting or other personal consumer reports

This negative item does not meet XXXX reporting requirements. I have already paid whats due for this credit program. Delete immediately
Product: Mortgage

Hi : Due to the pandemic I joined the help program for covid 19 forbearance, when I wanted to start paying again they sent me a proposal that far from helping me made my payments higher, I asked them to review and help me and then they sent me another proposal that was not good either but I already wanted to get out of this problem and I accepted. 
After several weeks they sent me the papers to sign, a notary public sent by Freedom Mortgage came and to my house and she was the person who told me how to send the papers, but after several weeks they told me that it was not right and that they were going to send me another set of papers, when they sent it they called me and told me it was wrong because the date had already changed and I had to wait for the new papers, when they sent the new set of papers the interest on the loan was changed to a higher one, everything This is for mistakes they made and now they want me to pay much higher interest than I had for all Freedom Mortgage 's mistakes, and when I call the answer is the same that I have to wait and that they can't do anything because I'm not accepted what they proposed to me, they do not even review or read what happened and much less are interested in solving it. I have spoken with supervisors and they have treated me very badly, apparently the fact of being XXXX is a disadvantage for because they have insinuated that I don't understand what they are talking about.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. 

On XX/XX/scrub>XXXX I discovered several unauthorized credit inquiries on my TransUnion credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, TransUnion advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. This is in direct violation of the FCRA. 

As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. TransUnion, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. 

By shifting the burden to me and refusing to remove the unauthorized inquiries, TransUnion has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel TransUnion to remove these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Please fix this information following with attachments I don't have any late payment accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor :  ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed collection on my credit report, removed it, and then placed it back in without properly notifying me. Transunion and XXXX should have sent me a letter notifying me that this was placed back on my report.
Product: Credit reporting or other personal consumer reports

I am trying to get in touch with a real person at Experian because someone else is using my social security number so that I can not freeze my credit or put a fraud alert out for my SSN
Product: Credit card

Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given.
Product: Student loan

In XXXX XXXX XXXX9 I was contacted by Nelnet. I has previously been on a Income based repayment plan that had to be renewed. I spoke with a representative that informed me I was 3 months behind on my renewal. I went through the process of renewing with him and asked how this would impact me for the 3 months I was late after informing him that I was XXXX  and due any day and had been pulled out of work due to a XXXX XXXX XXXXXXXX. I was told it would go back and cover those months since it was retroactive up to 6months. That never happend I have spoken with nelnet several times since then to clear this up and they refuse. I have also disputed it several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX Balance {$60.00}
Product: Debt collection

AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I logged into XXXX today to place a security freeze on my credit report. I received the following error : " Sorry, we're having trouble showing the status of your credit freeze right now. '' As instructed, I used the online chat instead. After waiting several minutes for an agent, the agent told me that she was able to apply a freeze for me, though I can not confirm this. She also instructed me to clear the cache and cookies in the browser to remove that error message so that the website would function properly in the future. 

After chatting with the agent, I both cleared the cache and cookies AND tried a completely different browser. The issue persisted with the same error message no matter where I tried. 

I can tell you that the TransUnion freeze option works for my husband, on the same computer in the same browser, so this is not a universal website issue, but a problem with my personal credit profile at TransUnion. I can also report that I have no issues at XXXX or XXXX, so this online credit freeze issue is isolated to only my TransUnion file. 

There is currently no way for me to check the status of my TransUnion credit freeze online, and no way for me to easily apply or remove a freeze on their website, in violation of federal regulations, which require all the credit bureaus to offer this option, and for me to be able to request and confirm the lifting on a credit freeze on their website within XXXX hour. Especially given the recent massive data breach, this has troubling implications for both the security of and my access to my credit, which TransUnion is required by regulation to help me both safeguard and access.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account on my consumer report reached its statute of limitation. 
Under the law of, XXXX please remove this item immediately.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> on a Monday, I processed a {$200.00} loan to pay a contractor at first. That is the lowest amount that I can borrow at the time. However, I noticed I need to pay the minimum of my other merchant credit card monthly charge that I was due this XXXX. By the way, I get {$400.00} as income from my mother every month except XXXX. Currently, I am XXXX  with XXXX. Mine you, I didn't pay full of my maximum amount XXXX charge of this same merchant credit card. This merchant lender was demanding {$170.00} for the minimum to pay for XX/XX/year>. I use the {$200.00} to pay the minimum of {$170.00}. Before I accepted the online agreement, I checked the number of installments and how much they were charging me for each month. They gave a layout of the amount due for each month and the last installment amount for that month. As I study through this layout, my last installment was due on XX/XX/year> with an amount of {$110.00} and some changes. As I look at XX/XX/year> amount it tells {$110.00} and some changes. Remember, I borrowed {$200.00}. That was it at the time. I accepted the online agreement. So far that was it and they wired the {$200.00} to my bank account. 

The next days, Something came up where I needed to borrow again {$92.00} to pay for a background check of a company that is willing to hire me. I went and called the same lender about that amount of {$92.00} and that is when I found out from the lady who worked there of a total installment of 16 and an APR of 588 %. The layout shows 2 installments. ending this XX/XX/year>. They frauded me and deceived me. I still need the {$92.00} for the background check for that job which is due on Saturday.
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I have not been getting my statement and when I asked for one to be re mail to me. I saw charges at a kohl 's in TX and XXXX XXXX XXXX. I call and wrote in because they would not remove the charges. When I was going to pay the statement I asked for those charges to be to be deducted off the amount owed and the amount needed to be paid on that statement. The man who I spoke with refuse to do that and tried to make promised so the amount can be paid along with late fees. The amount was fraud and THEY PUT IT ON MY CREDIT REPORT CAUSING HARD SHIP.
Product: Credit card

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than XXXX business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to remove fraudulent items from my credit file. Despite numerous communications and submissions of supporting documentation, the fraudulent entries persist on my credit report, adversely affecting my financial standing and causing considerable distress. 

I have made numerous efforts to rectify this situation, including submitting identity theft affidavits, police reports, and other supporting documentation to verify the inaccuracies in my credit report. However, despite my best efforts, the fraudulent items remain unresolved. 

The persistence of these inaccuracies has had a significant impact on my ability to secure credit, obtain favorable interest rates, and negatively influenced my overall financial well-being. I am deeply concerned about the potential long-term consequences if this matter is not promptly and effectively addressed. 

I kindly request that you thoroughly investigate and promptly resolve the issues outlined above. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and providing a clear plan of action to rectify the inaccuracies on my credit report. 

If the necessary steps are not taken to address this matter promptly, I will have no choice but to escalate my complaint to regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

I found out a few months ago from a credit provider that my Experian credit data had a fraudulent second Social Security number on it. It took me many weeks to find someone to talk to and correct this. Now, I have tried to log onto my Experian account to check credit but I keep getting an error message. It does not seem to be an error with email or password. I have tried for two days now to get someone to help me but I can not get past their voice activated system to talk to a human being. This same thing happened a few months ago with the fraudulent SS number. I did not file a complaint last time. But this time I am fed up with Experian 's bad service. 

Experian acts like an ugly monopoly and does not seem to care that their carelessness and inattention impacts people like me who occaisionally need to apply for credit.
Product: Credit reporting or other personal consumer reports

Re : CFPB Complaint XXXX XXXX  - Experian Declined to Block Information per FCRA 605B Dear CFPB : I am writing in regard to my previous complaint ( CFPB # XXXX ) against Experian for violations of the Fair Credit Reporting Act. In that complaint, I explicitly requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the reporting of the following contested items in my credit file : A personal credit card account was opened at XXXX on XX/XX/XXXX, under account number ( XXXX ), a mortgage loan account was opened at XXXX XXXX on XX/XX/XXXX, under account number ( XXXX ), and 2 student loan accounts were opened at Dept of Ed on XX/XX/XXXX and under the account number ( XXXX ). 

As required by FCRA 605B, I made this blocking request in writing and identified the specific items to be blocked from my file. The CFPB forwarded my request to Experian. 

However, Experian improperly declined my request to block this information. In their response dated XX/XX/XXXX, Experian stated : " your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. ". They also asked for additional information that was already included in my original complaint.

By refusing to block the identified items as I requested under FCRA 605B, Experian is violating federal law. As the enforcement agency, I am requesting that the CFPB take action to compel Experian to immediately block the reporting of the contested items listed above from my credit file. 

Experian had a legal obligation to block this information from my file within 4 business days of receiving my request forwarded from the CFPB. Their refusal to do so constitutes separate violations under the FCRA in addition to the original issues I raised.

I appreciate the CFPB 's assistance in enforcing my rights and ensuring Experian complies with FCRA 605B. Please let me know if you require any additional information from me. I look forward to your response.
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 Account Name : DPT EDXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.