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

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXXs that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX XXXX and Transunion. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX : # XXXX Account XXXX  XXXX : # XXXX Account XXXX  XXXX XXXX XXXX XXXXXXXX Account Discover : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : 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. 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. 

I appreciate you dealing with this situation,
Product: Credit reporting

I have a federal tax lien reporting on my account credit report. XXXX. This item was disputed on XXXX XXXX and without doing any investigation, Equifax came back on XXXX XXXX updating the lien to released which is n't true. We disputed the same item with XXXX and the item was deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX DBA XXXX ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a credit freeze with XXXX a few years ago. I was surprised when I applied for a new mobile phone to find that all three credit reporting agencies had a freeze on my account. I have been able to successfully remove the freeze from XXXX  and XXXX 

However, Experian 's process has put me into an endless loop. No matter what option I try, their phone number will not let me speak to an agent and sends me to their website. When I enter my information into their website, it gives me this error : Security freeze error Attention! 
We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXX I am completely at a loss how to fix this issue, and feel this is a deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see CBNA pulled my credit and I never authorized this.
Product: Money transfer, virtual currency, or money service

This is an old issue. I made an international transaction of {$1000.00} on XX/XX/22 with Worldremit. I also made another one with them on XX/XX/22 of another {$1000.00} to the same person. I spoke with this company about what really happened. Their responses were very unsatisfying that's why I sought to contact CPBF. I figured out that they actually didn't want to refund me so different responses were to put me off and forget about my inquiries. They kept telling me, we've closed your case but I insisted by calling and asking to get my money back. This case is supposed to be over but they made things too difficult plus confusing everything since I started claiming my refund. I didn't want to make them look bad but they caused this lengthy time to happen. Please help me get my other {$1000.00} back from this people since they refunded me half. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Online I temporarily lifted my credit freeze with Experian from early  XXXX  to  XXXX   XXXX ,  2017 . I am moving to  XXXX   XXXX  and I need to allow landlords to run credit checks as I search for apartments. Since I did n't know how long the process would take, I requested a lift for the maximum period of time. Now, I want to restore the freeze since I have found an apartment. Both  XXXX  and  XXXX  conveniently allowed me to restore the freeze online. Only Experian will not allow me to now cancel my credit freeze lift. I tried first online and could n't do it. Then, I called Experian  (   XXXX   XXXX   XXXX  ) and was told the original credit freeze lift had to stay on until it expired. This arbitrary behavior is uncalled for and actually increases my exposure to credit fraud. Please look into this issue.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was a repossession and charged off on XXXX. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this.

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

I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.
Product: Debt collection

Today I received a notification on my credit there was a new derogatory account being reported by AFNI Inc for a missed payment in XX/XX/XXXX on a balance of {$200.00}. 

The account being reported did not give enough information to determine what this was -- and as a prior victim of identity theft -- I reached out to the company to determine what this was in regards to. 

Furthermore, the account is being reported as being opened on XX/XX/XXXX, and I my credit has been frozen since last year as a result of the identity theft -- I knew this could not be my account and I have not opened any new accounts since then. 

After speaking with XXXX of AFNI, she read a statement to me that AFNI could not sue me for this debt but mentioned they opened the account with their office on XX/XX/XXXX but the account was for a charge with XXXX XXXX on XX/XX/XXXX. Not only is this company attempting to collect incredibly old debts, they are doing so without contacting me first to allow me to dispute the debt. My information on my credit profile is up to date and in the event they were to mail me or call me ( same number since XXXX ) they would've been able to alert me of this before reporting this to the credit bureaus causing harm to my score. 

I want this removed from my credit report immediately as this is not in line with fair debt collection practices.
Product: Credit reporting or other personal consumer reports

I have been disputing collections that have been paid and promised to delete upon full payment. I've sent letters to Transunion on XX/XX/2024 and XX/XX/2024 to investigate these accounts and either I get a stall letter stating they believe I am working with a credit repair company or Transunion states that its reporting 100 %. My proof of identity and proof of address along with a Limited Power of Attorney have been sent with my disputes. I asked how did they come up with the results of the investigation based on 15USC 1681 ( 7 ), and they did not provide which is a violation of 15USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ) and 15 USC 1681 e ( 8 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal. 
XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points. 
There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location. 
Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored. 
I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Veterans United Home Loans, a trade name of XXXX XXXX XXXX , XXXX, ( MO License # XXXX ), while rate shopping for a VA loan on XX/XX/XXXX. After learning of their products, I decided I did not want to utilize their services. I had not provided them with consent to run a hard credit inquiry at the time. 

On Tuesday, XX/XX/XXXX, I learned that Veterans United XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran a hard inquiry on my credit history without my permission. After calling XXXX XXXX ( NMLS XXXX ), he was confused as to how this was done. He told me that they received a completed application with social and permission to run my credit history from their internet portal and suggested I contact technical support. 

I am filing this complaint proactively as I do not believe this to be a technical support issue but actual fraud on Veterans United and Mortgage Research Center LLC 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on these accounts and XXXX, Experian, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the account with the creditor I.C. XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor Convergent/XXXX  stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with Convergent/XXXX  . I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my XXXX credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law XXXX was suppose to inform me that something was about to go on my credit in written form. Never received that. Second Convergent/ XXXX has yet to validate this debt but XXXX allow them to place a Collection account on my credit reporting report. XXXX failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Product: Debt collection

I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.
Product: Mortgage

Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail. 

They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.
Product: Checking or savings account

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Hit Inquiry without permission XXXXQuicken XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION XXXX XXXX AND XXXX XXXX reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$460.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting

Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX
Product: Credit card

Synchrony Bank Financial keeps emailing me constantly ; telling me to apply for Wal-Mart 's card. They know I am on a fixed income for XXXX They keep sending me these applications to apply and repeatedly deny me. They only check my XXXX score and have run it this year about twenty times inquiries. This really is harassment because they know full well they have no intention of approving me. You can tell what kind of company they are by reading the reviews I included.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Then inquires are too old and not authorized have not been removed
Product: Bank account or service

I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back ....
Product: Debt collection

In early XX/XX/XXXX I was contacted by a person representing themselves as a lawyer group telling me I owed XXXX. The original debt was XXXX and the lawyer told me this was for XXXX XXXX. I had this car repossessed by the bank in XXXX and told them this debt is past the statute of limitations. The lawyer yelled at me and told me its still my debt and there would be a sheriff at my house to XXXX me told me XXXX you and hung up. I also received a call from someone identifying themselves as a process server after who also called my daughter on her phone to harass her. I thought this was a scam. 3 days ago I got another call from a process server trying to deliver papers to my address. At this point I have cement online to every county clerk where I have lived and no court I do was available under my name. I then called XXXX XXXX clerks and asked them specifically if they had any information because I wanted to see if this was a scam. She put me on hold and came back with some information from Velocity Investments LLC. My original debt was XXXX and they are trying to sue me for over XXXX. The original lawyer misrepresented himself threatened a sheriff to come arrest me and didnt even identify the correct creditor for the debt. Would you want to call this company to work things out??
Product: Vehicle loan or lease

After the heater went out, a repairman began unraveling the issue. There are ENORMOUS electrical issues within this vehicle. These would have been easily seen if the vehicle went through a standard inspection. There is a laymans remote starter installed, bare wires and poorly covered working. 
The dealer knew or should have known of this condition. The pressured sales tactics lend me to believe they knew.