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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ONEMAIN Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXT ACCEPT Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Hard Inquires XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Personal info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt NY XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This account needs to be validated DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

Frequent calls from same debt collection agency in early morning. All from a XXXX area code, but using different numbers every time. Listed as follows : +XXXX- XX/XX/XXXX XXXX   +XXXX- XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX   +XXXX-XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX Plus several additional calls during the day. Calls are from XXXX XXXX XXXX, based out of XXXX which is where I live so they know the timezone. Have sent cease and desist letter to no avail so far.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX My phone was phished by calling Chime Bank to discuss why my bank transfer from XXXX XXXX XXXX had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had bitcoins purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in Bitcoin I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons XXXX XXXX XXXX account and moved XXXX to my XXXX XXXXXXXX Checking account where they then were able to add XXXX dollars to XXXX XXXX @ XXXX at that time they sold the bitcoin on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX after that they cashed out XXXX to my chime account see attached photos. at XXXX XXXX they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's XXXX XXXX accounts and XXXX XXXX and was all moved to my chime account see attached photos. Meanwhile they were doing the same thing in Chime they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX @ XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to Chime, at XXXX XXXX they sent XXXX to XXXX XXXXXXXX then again @ XXXX XXXX they send XXXX to same person leaving {$5.00} left in my chime bank account. At which point I saw all the transactions and immediately started online fraud cases with chimeXXXX XXXX and XXXX XXXX. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from XXXX XXXXXXXX and Chime Bank. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case
Product: Debt or credit management

FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including XXXX, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement. 
FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined. 

In light of the above, I kindly request the following actions : A thorough reinvestigation of the disputed information on my credit report. 
Immediate correction or removal of any inaccurate or incomplete information, in accordance with the FCRA.

A written response to confirm the outcome of your investigation, including any updates made to my credit file. 
Please acknowledge receipt of this dispute, and I expect an update within 30 days as required by law. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I should not owe still 4 years later over XXXX Started this loan at XXXX and its now XX/XX/XXXX and I still owe XXXX XX/XX/XXXX I sent them over {$1200.00} as they claim I owed misc fee 's and late fee 's and return check fee 's which is not accurate at all, I been making my payments weekly and it seems over the years if my payment came in the XX/XX/XXXX when it was due theXX/XX/XXXX they fee my account. says my maturity date is XX/XX/XXXX was told today it won't be the case now with all this money paid my payments haven't started going straight towards principal as this loan is going into its 5th final year, I get lied too every-time I speak with someone I get a different story, I am sure if and when I deferred payments they added more and still took payment from me, I was charged when I deferred years ago, something is NOT right about this loan and I am looking for an attorney as well someone keeps adding fees to a vehicle that should be paid off XX/XX/XXXX I have much more documents I can send I have saved every chat and every letter. 

This Loan was not by any chance explained by the dealership this was sent years ago to them ( Santander ) my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit wasn't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, their interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase in our loan, which should be decreased as we make our payments that even thou our loan is due the XX/XX/XXXX of every month because they receive it from our bank on the XX/XX/XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until I saw this on our credit report, so I called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape 80 thous miles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there are no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I can't believe we are not the only ones please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my records, I discovered these erroneous late payments listed, despite my accounts being up-to-date. More than a month ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX  - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( TransUnion XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Product: Credit card or prepaid card

I closed my Barclaycard Visa XXXX XXXX  card on XX/XX/XXXX. It was paid in full and had a {$0.00} balance. In XXXX they sent me a {$100.00} check for the remaining credit in the account. ( See statement from XXXX final payment and statement from XXXX with refund balance check attached ). 

There were no Statements between XXXX of XXXX and XXXX of XXXX because the account was closed In XXXX of XXXX, I was notified of activity on my closed account. I called the support center to notify them that the credit account was closed and there should be no activity. They said they would close it and the activity was a credit/payment of {$630.00} that they would mail a check to me to make the balance {$0.00}. This was necessary to close the account. 

After the Statment was posted on XX/XX/XXXX, they mailed a check ( XX/XX/XXXX ) and re-closed the account. I cashed the check. 

Then on XX/XX/XXXX they mailed a letter ( attached ) saying the payment was a mistake that they have corrected by adding a debit on the account that would be due on my next billing statement XX/XX/XXXX. The debit was pre-dated as XX/XX/XXXX with a posting date of XX/XX/XXXX. ( See screenshot from account and statements from XXXX and XXXX ). 

To Summarize, Barclays is now asking I pay them {$630.00} on activity that should not have been allowed on a closed account. The XXXX statement has not yet closed, but I have already called them and am concerned that they are demanding money for their errors in addition to making transaction on my closed account, predating transactions on my account and potentially applying APR to those transactions when the account is closed and I have, in my mind, no formal agreement with them on APR terms. 

What are my options?
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX Balance XXXX $ This company have harassed me on multiple occasions even after telling them that the phone is not mine. Ive contacted them via mail on 2 occasions requesting the information on my credit be verified. Ive asked for contracts signatures or anything stating this account they are claiming is mine, is mine. I have yet to get a response just a remark on my account saying its been updated when nothing has been updated. This company is a fraud and is trying to get over on people. By law i am entitled to verify anything that is on my credit and they are not giving me that right.
Product: Vehicle loan or lease

On XX/XX/XXXX By using unfair trade practices XXXX XXXX XXXX car dealer sold my wife and I a lemon car which was unsafe to drive. Which almost led to the car accident my due to a complete transmission failure only 3 days after purchase. Secure one warranty company, whos contract car dealer forced me to purchased stating that its included with a car loan additionally for XXXX $ lied to my me and my wife over the phone by misleading and misrepresenting the contract formulation. Which had wasted us 2 whole weeks that car spent in a workshop recommended by the warranty company only to find out that XXXX XXXX is refusing to pay or fix anything. Car dealers website also were advertising that cars come with their 90 days warranty, which also was a complete lie. Car Dealer retrieved the vehicle from XXXX car shop at the end of XXXX telling us that they will do all repairs themselves and we didnt hear from them since. 

Westlake Financial and XXXX  XXXX warranty company and the car dealer put my family into financial burden and crisis. Im paying car loan, car insurance, XXXX rides to and from work. 
My transportation expenses exceed XXXX $ a month, my credit rating is dropping lower and lower, this is the worst car buying experience in my life. I still dont posses the car I purchased 4 moths ago. My wife and I barely was able to cover the rent last month and almost got evicted. Which would put us on the street with no car or any help. Our life turned to a XXXX XXXXXXXX. We were more than patient and understanding, my wifes health is declining now after all of these stress and shock, medical bills are adding up more and more. 
2 weeks ago I received a notice via mail from Westlake Financial ( dated 2 days after car sale ) that Warranty contract and GAP insurance were added to the car loan amount financed but were not included in the contract item list. In addition, car dealer made us sign separate agreement for a differed down payment with completely different company name, telling finance company that they received XXXX $ from us as down payment, no such agreement were included in the contract as well. 
Westlake Finance has no interest of helping me with the crisis they put me through, they only expect on time payments. Car dealer didnt contact me back for almost 2 months now, attempts to reach out to the dealer were unsuccessful.

I have a strong feeling that Im being scammed by the car dealer, finance and warranty companies using unfair trading practices, predatory landing and financial schemes. I ask for your help and guidance to restore my rights and protect my family and my familys credit.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts are reporting inaccurate information. 

XXXX Account Number XXXX XXXX XXXX TransUnion/ XXXX XXXX XXXX XXXX Account Number : XXXX XXXX TransUnion/ XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding my experience with Experian and the negative impact it has had on my financial well-being. Over the past few months, I have encountered significant difficulties with their handling of my credit report disputes, which has caused considerable frustration and stress. 

I filed multiple disputes with Experian, seeking resolution for inaccurate information on my credit report. Despite my efforts, I have found that their investigations have been neither thorough nor timely, and the responses I received lacked clarity and substance. As a result, I have been left with unresolved issues that have hindered my ability to manage my financial affairs effectively. 

Upon further investigation, I became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges improper handling of consumer disputes and investigations. This legal action resonated deeply with me, as it mirrored my own experience of being inadequately supported by Experian in addressing the errors on my credit report. The CFPB lawsuit outlines how such practices have harmed numerous consumers, causing undue stress and financial difficulties. I believe this lawsuit reflects a systemic issue within the company that has affected a significant number of individuals, myself included. 

The situation has left me feeling powerless and uncertain about the reliability of credit reporting agencies. I trusted Experian to provide accurate information and to respond fairly to my disputes, but my experience has undermined that trust. This has not only affected my credit score but has also contributed to a broader sense of insecurity about my financial future. 

I sincerely hope that the actions being taken by the CFPB will lead to meaningful changes within Experian and the broader credit reporting industry. It is crucial that companies such as Experian are held accountable for their practices to ensure that consumers receive the fair treatment and transparency they deserve. 

Thank you for your attention to this matter. I appreciate the opportunity to share my experience and hope that this will contribute to greater accountability and reform in the industry.
Product: Credit reporting or other personal consumer reports

On Saturday XX/XX/XXXX I attempted to get a {$5000.00} loan from the XXXX XXXX. My application was rejected because Experian told them that they dont have a credit score for me. This is a flagrant lie. I have requested my credit report numerous times and have not received it. My credit score at XXXX and XXXX is XXXX. There is no excuse for Experian to say they have no XXXX XXXX for me. The adverse action means I can demand an explanation for their negligence. Alone among the credit reporting agencies Experian aggressively markets their credit scores for {$29.00} a month. This company is as greedy as it is corrupt.