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

On XXXX I went to XXXX XXXX XXXX XXXX for the reason to purchase a vehicle. The funds being used were from a certified check verified via telephone by XXXX XXXX, Finance Manager for XXXX as I sat at his desk. Once the funds were verified, XXXX XXXX who I was told doesnt work there anymore, began printing out the paperwork to transfer the vehicle into my name and any other paperwork needed for the transfer of my vehicle. Before signing any of the paperwork, I ask XXXX XXXX if they would be running my credit because one of the papers that was placed in front of me looked like a credit application. I asked to make sure that this was a cash purchase and informed XXXX XXXX that I did not want my credit ran, being that being that I was in the process of building credit and shouldnt have my credit ran on what was equal to a cash transaction. XXXX XXXX assured me that there was no need to run my credit because as I heard when he called to verify the fund, that the funds are indeed verified via the earlier call. With that reassurance I signed all the paperwork XXXX XXXX placed in front of me and drove home an hour later in my XXXX XXXX XXXX. 

XXXX I call up to XXXX  XXXX to inquire as to why I still have not received the license plates or title to my vehicle. While on hold I see the consumer credit contract or retail installment sales contract that shows that I financed the vehicle and made one payment for the total amount of the vehicle. I inquire with XXXX the new Finance Manager, as to why they would document a cash transaction as if I financed the vehicle. XXXX informed me ( 7 months after purchasing the vehicle ) that they indeed did run my credit and the reason that the company does that is in case the funds from the check were not available. Again XXXX XXXX called and verified the funds right in front of me so I immediately pointed that out and addressed the violations including identity theft with him before ending the call. XXXX did not have my permission to run my credit at all. XXXX should not have falsely recorded what is equivalent to a cash purchase as a retail installment loan when there was never a loan that XXXX XXXX provided me. 

There was no reason for them to run my credit. There was no reason to open a retail financing contract when the vehicle was paid in full with a verified check. If they did have a company policy to the contrary that was not disclosed to me and should have been as soon as i told the finance manager that i did not want my credit ran. 

I am rescinding any signature that gave this fraud validity due to the fact that full disclosure was not present even when the opportunity arose to present it was addressed by me demanding that they not run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting on my mortgage with XXXX XXXX   a comment/remark that is not accurate, nor authorized : The comment reads, " Account effected by natural disaster ''. This is false as the account is paid as agreed and current. Therefore, no remark nor comment is necessary.
Product: Mortgage

In XXXX I heard rumor the Cares Act afforded protections specifically for VA home loans in forbearance and deferment. My children 's child care facility has been closed several times due to Covid-19 and affecting myability to work. I was skeptical so I called my mortgage holder Quicken Loans. I was reassured several times, ( on a recorded line ) once I entered into forbearance I had to full protectionof law to move into deferment. After 4 months of forbearance Quicken Loans has apologized and informed me they were mistaken on the deferment availabilityon my VA home loan. 

Quicken Loans has mislead me and my family into a dire situation on our mortgage. 

This Veteran needs help please. 

" Captainsof industry '' and " Robber Barons '' are indistinguishableuntil justice is served. 
Thank you
Product: Credit reporting

I have a fraud alert and freeze on XXXX credit reports. I will like to know if Experian is giving my personal information and using inquiries for bank and product servicest to a third party without my consent to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to transunion, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX has the same info reporting to their bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX in regard my loan status and why payment hasnt posted. Ive checked my bank account and XXXX payment to cover XX/XX/XXXX didnt go through for unknown reasons. I received a notification from my credit report that a new account has been added to my credit file and posted as delinquent. So you know, my bank account hasnt changed and like I stated before, reasons why payment didnt go through are unknown to me. Please correct problem and update my account with credit reporting agencies because you're hurting my credit and score. That payment shouldve been deducted automatically from bank and it wasnt. 

I've also contacted XXXX XXXX several time after that first issue and payment has been set up for deduction, only never leaves my account. I guess there's an exiting problem with my account from XXXX XXXX 's end that prevents me from making payments or for them to take them out. 

Attached all communication about problem and how many times I tried to make payemnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Experian violations of the Fair Credit Reporting Act ( FCRA ), specifically related to improper investigation of disputes ( 15 U.S.C. 1666b ) and inaccurate credit reporting. Below are the details of my complaint : 1. Failure to Investigate Disputes Properly On XX/XX/XXXX, I sent a dispute to Experian via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite having received my dispute, neither Experian nor XXXX responded, nor did they mark the disputed account as " in dispute, '' as required by law ( 15 U.S.C. 1681i ( a ) ( 3 ) ). This constitutes a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation and notify the consumer of the results. 
2. Inaccurate Reporting The account in question has discrepancies between reporting agencies. Specifically, XXXX lists the account 's open date as XX/XX/XXXX, while Experian incorrectly reports XX/XX/XXXX. This inconsistency violates FCRA 's accuracy requirements under 15 U.S.C. 1681e ( b ), which obligate credit bureaus to ensure the maximum possible accuracy of information in credit reports. 
3. Pattern of Non-Compliance This is not an isolated incident but rather part of a broader pattern of non-compliance by Experian and XXXX. The CFPB has previously imposed fines on these credit reporting agencies for similar violations, demonstrating a consistent disregard for their legal obligations and consumers ' rights. My case serves as an example of the detrimental effects of such negligence. 
I urge the CFPB to hold Experian accountable for their non-compliance and ensure that these practices are addressed to protect other consumers. 
Supporting evidence, including the certified mail receipt and my original dispute letter, is attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Dispute-Failure to Honor Insurance Claim and Filing a bogus and unsubstantiated derogatory credit remark. 

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to fax Regarding the Item identified on the credit report as XXXX opened XX/XX/2020, date of last payment XXXX XXXX, and as a charge-off for {$8400.00} with a past due amount of {$6300.00} reported by XXXX XXXX XXXX XXXX XXXX I believe this is a false derogatory credit claim caused solely by the lender or creditor, identified as XXXX XXXX XXXX XXXX ; and of no action, nor inaction of this lendee in total nor impart. 
Attached, I have supplied copies of communications supporting that the remaining, outstanding amounts or balance of said loan ought to have been satisfied by the Guaranteed Asset Protection Insurance Provider, in full effect at the time of the loss. 
The attached documentation will support that unknowingly to this borrower, and while I was ill, incapacitated, and recuperating from the XXXX XXXX  : XXXX XXXX XXXX XXXX, after having received a total loss, pay-out from the insurer of the at-fault party and finding a remaining balance, did initiate a claim with the Gap insurance for the remainder of the balance owed. 
XXXX XXXX XXXX  nor the GAP provider has contacted at any time this borrower, It is now alleged by the Guarantee Asset Provider that XXXX XXXX never completed the submission of all necessary documentation to process the claim or to receive payment. 
XXXX XXXX XXXX XXXX Alleged that documentation competed. 
To date, the amount remains on my credit report as a derogatory remark and failure to pay, this borrower did attempt on multi [ le occasions to communicate with the lender and the GAP insurance, only to be offered a settlement payment plan to satisfy the outstanding amount.

Also, the GAP insurance provider alleges that although this borrower took the initiative to collect all possible supporting documents and forward copies to both parties, due to the amount of elapsed time since the initial filing that the claim would no longer be considered for payment. 
The premium paid for said GAP insurance at the time of purchasing this automobile has been and continues to be unreturned or reimbursed as requested. 

-- Sincerest Regards XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting

I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They did not indicate how it was verified so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining thins information.
Product: Money transfer, virtual currency, or money service

date XX/XX/year>, amount {$1200.00} including {$19.00} fees I sent money back to XXXX thro Sigue Corporation with the XXXX XXXX XXXX XXXX XXXX XXXX. The confirmation number is XXXX. However the transaction was not succeed. I waited for 3 month to got a refund check. But the Check got bounced after I deposited. I go talked to the agent XXXX XXXX XXXX XXXX XXXX, they said there is nothing they can do. I call sigue Corp but no one answer. I email them but never reply.
Product: Money transfer, virtual currency, or money service

My bank account was hacked and both my savings and checking that I stored with Chime are now gone. I had {$1600.00} stolen from my account on XX/XX/2021 using the pay friends feature. My account has been completely wiped out. I can see the persons name and know that I have never once met or authorized someone with this name to be in my contacts or on the Chime app. I have filed a report with Chime, filed a police report, and am also doing this now. This was my savings to invest into my business and now its gone. I have not gotten a response from Chime yet about this. I have filled out their form and sent it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} The information presented on this account needs to be investigated. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX XXXX. The balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. Therefore, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information presented for this account is also inaccurate. The original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. The reported balance of {$140.00} is higher than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

Fraudsters stole my personal information and applied to XXXX credit card. They have been approved but were not able to fully use the card as the company caught on to the fraudsters and closed the account. The account was opened XX/XX/XXXX with XXXX credit limit. Current balance is {$2100.00} and it is reporting as delinquent on my credit since XX/XX/XXXX. I have contacted the XXXX, XXXX and XXXXXXXX XXXX and disputed this account as fraud. I have also filled a police report and several FTC reports and sent them to the bank and credit bureaus. Even though they caught on to the fraud and closed the account, even though I found out and reported the matter to FTC and police, the bank refuses to remove the fraudulent account from my credit. Since then XXXX went bankrupt. When I call them they transfer me to several people and no one takes action. Please investigate this matter.
Product: Student loan

On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.
Product: Checking or savings account

I had a loan deposited into my account, at the time it was TCF they told me it was a hold it will be available after 24hours I go to a different location to withdraw some cash the lady freezes my account. Years later I get a letter in the mail saying I have the money in a Huntington account, then another later saying the account was closed. I go to the nearest location they ask for proof the money belongs to me I give them the application for the loan I applied for and they said give them 90 days to get a response from the company who gave out the loan after its verified they will issue out a check. After a year I check back and they ask for my taxes and I don't have my taxes from that year so they won't release it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account. 

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and 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 am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Product: Credit reporting or other personal consumer reports

I logged into XXXX XXXX XXXX and was able to print/ view my XXXX and XXXX report, however, I was unable to see my Equifax report. I got the message " Report already received, based on our records you recently received your free Equifax Credit Report. You therefore are not currently eligible for another free Equifax Credit Report through annualcreditreport.com at this time ''. But I had not received or requested one in over 30 days.
Product: Student loan

UPDATE : I have sent this company several affidavits and they have yet to respond. I received a call today saying that my Loans are about to be in default. I am trying to understand how that is possible when the company has not answered my dispute and they are also still reporting on my credit report with out providing me with the information I asked for.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, and to date, they have not responded. The following outlines the inaccurate information and corrections required : XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$5900.00} Request : The reported balance is inflated and inaccurate. The past due amount is not applicable as the account was closed and XXXX. Please mark this account as disputed until resolved with the creditor. 

XXXX Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX Account XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Request : Verify the account as the reported information is incorrect. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Request : Verify the account due to the reported inaccuracies. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.
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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX