23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX XXXX, XXXX, Chrysler Capital hired XXXX to repossess my XXXX Chrysler 300C, of which I had no balance to pay on and Chrysler Capital had no right to a lien on the vehicle. In XXXX XXXX, I filed chapter XXXX bankruptcy, Chrysler Capital did n't file a reaffirmation agreement, even after me calling XXXX times for them to send it to me to sign and file. In XXXX XXXX, the Bankruptcy was XXXX, which put me in a position of not being liable for any balance owed. Because Chrysler Capital did n't file the reaffirmation agreement before the bankruptcy XXXX. In XXXX XXXX I sent Chrysler Capital a restrictive endorsement in exchange for the Title to the vehicle. Chrysler Capital agreed to relinquish the right to the lien on the vehicle and send me the Title by cashing the check. So, XXXX. I am not responsible for any remaining balance on the vehicle. XXXX. Chrysler Capital accepted the money for exchange for the lien and Title of the vehicle. XXXX. Chrysler Capital hired XXXX XXXX to take my vehicle illegally.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to Moneylion at the New York, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information. 

I didn't have any progress so I filed a XXXX  report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / XXXX  team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent Moneylion account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.
Product: Vehicle loan or lease

Greetings, I have an auto loan that began around XX/XX/XXXX, that was financed through KiaFinance America. After reaching out to them earlier this year in XX/XX/XXXX they did oblige to my request to adhere to the Louisiana SCRA & decreased my interest from 6.25 rate to 3 %. Which was effective as early as XX/XX/XXXX. However I paid a significant amount in interest over that period of time & I am trying to see if I am entitled to any payment for the interest that accrued over the duration of the loan.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I had bought {$5000.00} American Express XXXX 's check from my bank XXXX XXXX, because, I was traveling. Unfortunately, the checks were stolen by my shipper, who never shipped all my goods as well. In fact of this, I called American Express to report my checks stolen, hoping for a quick replacement of the check. As is the polices of American Express, but, it was not the case. Because, American Express " needed my blood, '' literately. Anyway, I had done every thing possible that American Express needed from me, e.g. police report, etc., including my bank 's involvement to get my checks for me, so that I could travel. 

somehow, American Express never replaced my checks, after months in XX/XX/XXXX, instead, I got a letter that American Express do not believe that my checks were stolen. Yet, this company placed a stop payment on the checks, and did not replace the check which I needed to use. As a result, I traveled without my checks, consequently, I suffered and went through extreme hardship on account of American Express action. 

Please I want this office to make American Express replace my checks as soon as possible. Because, {$5000.00} is a lot of money that this company is trying to covet, or withheld from me, since, XX/XX/XXXX. This is my money ; I did not borrow, nor, stole any money from this company. 

However, recently, I had sent copies of the police report from XX/XX/XXXX, other documents, letters as I was told to do, as well instructions of where to send my checks, or money. Again, I beg this office to help get my checks, or money {$5000.00} is a lot for me. 

Thank you for your consideration in this matter. 

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

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax Inaccurate account XXXX XXXX XXXX of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX dept of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting on all XXXX bureaus Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and XXXX did not. I contacted XXXX SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with XXXX and they denied seeing the information ). XXXX keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
Product: Money transfer, virtual currency, or money service

I had contacted Cash App many times for my refund. I had told the money have been taken out of my account and can they refund my money back they said they had customer service. They never got back with me. I feel helpless and despair. I am so furious right now that Im just now finding out that they take my information. They support on Cash app it horribly unacceptable they never helped me out. I lost a lot of money. Im just now finding out I could file this claim.
Product: Mortgage

I received a letter from XXXX XXXX Senior Vice President Loan Organization dated XXXX XX/XX/XXXX asking if I would refinance my current VA loan with Lakeview. I called numerous times and never got through. Was on hold for hours. Finally got Through today XXXX XX/XX/XXXX XXXX. Told one gentleman, not XXXX XXXX, what was going on he said the letter was the best interest rate they would do no better and hung up on me. So dismayed about the hang up I called back. I got to talk to another gentleman, explained the situation and I told him because the first guy hung up on me I called another loan company. He got very irritated with me like I wasnt supposed to do that. He kept asking me if I had a loan estimate from the other places I called. I said yes and he got very rude with me. I told him he needed to be nicer and that I have told him three times I had another loan estimate lower than they were offering. Could their company match it or beat it. This guy said no and hung up on me as well! Ive been with this loan company after the initial borrower sold my loan to Lakeview XXXX because the state of Texas said this was who we had to use because it was the only VA loan company we could use. My experience with this company hasnt been as good as some of these reviews. But over the last two years, I have had to deal with this company charging me for property taxes when I was tax exempt as a 100 % XXXX veteran and had to submit my tax free exemption letter from our county twice. We also were having to pay higher mortgage once we finally got the taxes worked out for our house insurance which was lower than what the XXXX insurance was charged. XXXX said they were tired of trying to work out the details so they credited me almost {$400.00} last year. Also today I tracked XXXX XXXX down and his secretary said she emailed him and that he would return my call by the end of the day. Its XXXX XXXX time and no phone call. Lakeview obviously doesnt care about their current home owners! Most humbly I would think a over $ XXXX house would get better treatment since the interest on our home with this company is over {$1700.00} a month but guess I was wrong!!! If anyone would like to talk to me about me experiences with this company and as a 100 % XXXX veteran from XXXX and XXXX my number is XXXX. Dont hesitate to call!!!
Product: Checking or savings account

On XX/XX/year> I deposited a check with Axos bank. The check came from XXXX XXXX. The check was supposed to deposit XX/XX/year>, but Axos could not deposit it because they said XXXX XXXX stopped the check. XXXX XXXX says they never stopped the check and Axos should be able to disperse the funds. I am now overdue being paid by over a week and I may have defaulted on a loan because of this mix up
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00}
Product: Credit reporting or other personal consumer reports

There are 2 Inquiries on My Credit Report from XXXX that I did not do Please Remove these fraudulent inquiries from my report. 

XXXX XXXX  : Inquiry Dated on XX/XX/2022 XXXX XXXX  : Inquiry Dated on XX/XX/2022 Chase need to inform Experian, XXXX, & XXXX that these inquiries are fraudulent. 

My FTC Report & ID is attached
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

This is my first complaint against Experian credit Bureau, I have submitted 4 times letters with disputing accounts that are not mine, Only Experian has reported these accounts on my credit history. I'm victim of identity theft and I have also filed FTC Report, Experian credit Bureau has refused to investigate these accounts after my second letter, since that no response at all, I believe it's a violation of law. 
These accounts are not mine and they are result of identity theft : XXXX XXXX  account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX All above must be deleted from my report immediately
Product: Mortgage

in XX/XX/XXXX I filed for a modification to get help because I was behind on my mortgage I had already filed a chapterXXXX prior to that every week I called in to check the status of my modification and every time I called they asked for some more information witch I gave immediately then in XXXX of XXXX my chapter XXXX payments were raised to were I could not afford them and was informed that if I did not make my XXXX payment that my chapter XXXX will be dismissed 1 week after the chaper XXXX was dismissed I was told that the modification was denied for every option that was available witch I could not understand and asked for clarity on the situation for a appeal but received very minimal information so I submitted what I could to at least inform them that I wanted to appeal there decision but haven't heard anything from bayview loan servicing yet but I do know that they have put a sale date on my home for XX/XX/XXXX I'm just looking for help and it seems that they are only concerned with taking my home i have beenin and out of the court system since XXXX with this same situation and been getting every door closed on me with no help even though i have documents that says that i have been wronged
Product: Debt collection

A family member use my personal information to open up a card. I was unaware this occurred. When I was on maternity leave and dealing with the loss of my mother. I find out my information was used. I moved back home and apparently the family member that used to live here had access to mine and my childs information and use that to open a XXXX XXXX. This was not me. When I found out this information, I called the company and asked what I needed to do. And what information I needed to provide. They told me nothing and it would be handled. This was months ago. And now I have a collection. This is abusive.
Product: Credit reporting or other personal consumer reports

I notice that there are late payments being displayed on my credit report on XXXX, XXXX, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received a letter dated XXXX XX/XX/XXXX from my credit card company informing me that there is a possibility that your personal information might have been exposed in the Equifax breach announced in XX/XX/XXXX. The letter was sent to my po box in XXXX where I had recently moved to begin a new job. 

From the Equifax website I got inconclusive results when I tried to verify my involvement in their breach. I alternatively got results stating I WAS affected and then that I was NOT affected when I searched their system. Assuming the former to be likely, I filed a claim on XX/XX/XXXX requesting, via the Equifax Data Breach Settlement Claim Summary, enrollment in Option 1, Credit Monitoring for which I would be sent instructions to your email address or your home address.

This never happened. I assumed for the past 3 years that I was receiving their credit monitoring. Only on XXXX XX/XX/XXXX did I receive an email from Equifax informing me that I was not a member of the Settlement class and not eligible for settlement benefits. Their email referred me to a phone number for the Settlement Administrator. 
A phone call to the administrator ( XXXX XXXX XXXX ) resulted in that entitys inability to find my name or social in their list. They gave me a number to call at Equifax, which simply referred me back to the XXXX phone number.

Just for grins I decided to attempt to obtain my free annual credit report online from Equifax. These efforts were also stymied with unexplained failures of their system. After hours on the phone I managed to speak with an Equifax rep, presumably in the XXXX, and she reported that according to Equifax records, my address was still a po box in DC ( actually closed since XXXX when I had moved to XXXX ). This is very strange since the Equifax Data Breach Settlement Claim Summary mentioned above for which I printed my signed copy, gives my correct address in XXXX as of XX/XX/XXXX, and my phone number and email on this form remains the same as it was then. She was unable to give me online access to my credit report but had it mailed to me. 

I also responded to the XXXX Equifax email on the link they provided, but have had no response from them regarding what they want by way of " proof of Class Membership. '' Obviously, Equifax is in no position to monitor anyones credit if they cant even keep our addresses up to date, despite having them in their own legal records, entered in their own system, and corroborated by all the agencies whose data they harvest. The fact that I have gotten no satisfaction from Equifax almost 5 years after my data was compromised, shows them worthy of investigation and stiff fines from the Federal Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I got an initial CareCredit loan on XX/XX/XXXX in the amount of {$3800.00}. The first year was a no interest if paid in full. I still had a balance after the year so I was charged the interest on XX/XX/XXXX in the amount of {$1000.00}. I started paying the new balance down but I noticed another interest charge of {$77.00} on XX/XX/XXXX. I contacted customer support to ask what the additional XXXX was for and I was told that XXXX will be added monthly until the balance is paid in full. I dont understand because they have already tacked on the interest and I am paying it down but I cant get it paid off if they add XXXX each month on top of the accrued interest. Is this even legal? It seems predatory.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX I was placed as a authorized user so I can sign up for XXXX XXXX XXXX XXXX and I received it so I can work on my credit report, I stop looking at it because I can handle XXXX credit card and I dont sign up for stuff, well here it is XX/XX/year> and I noticed my score dropped tremendously and I didnt recognize those. Accounts that had gave me a hard inquiry for
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted XXXX, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Experian was not helpful when I called to dispute the inquiries therefore I am filing a complaint with CFPB and providing an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Customer Service / XXXX XXXX on XX/XX/XXXX In  addition, I am requesting XXXX XXXX for the public record on my report. I have been informed by seeveral Consumers that Experian allowed them XXXX XXXX for Removal Of derogatory information if it is within 6 months of the record being removed. XXXX has removed it and I would Like Experian to remove it. I would like to be treated equally to how other consumers are treated.
Product: Debt collection

Diversified consultants inc keeps calling, writing me letters, about my XXXX bill. I told them I was not going to pay, because I do n't owe this. XXXX used deceptive trade practice. Unfair billing practice and strong arm procedures. I asked them to leave me alone or take me to a court of law. I have a excellent credit rating ( over XXXX ) I never missed a payment or even had a late pmt, until they overcharged me.
Product: Credit reporting or other personal consumer reports

Cfpb claim number XXXX Took more than 30 days. You are now in violation. Requesting deleting all the items or XXXX XXXX XXXX $ for each violation on my credit report