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

Experian has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX   has 1 hard inquiry I did not make XXXX XXXX email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is XXXX XXXX
Product: Credit card or prepaid card

Chase   XXXX   XXXX   Chase   XXXX   XXXX   XXXX    XXXX  Ny  XXXX  No $ Amount.  33   pages   XXXX   XXXX   already has CFPB Case # FOIA Request www.ftc.com. Contact Us   XXXX   XXXX   Account #. With Customer permission by Chase. Send Receipt of # Amounts   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  Ohio  XXXX   XXXX  Case # `  XXXX   already submitted To :   XXXX   XXXX  . With permission by Chase Customer Slip Direct Deposit. I, m asking For : # Amounts   32   pages FOIA Request   XXXX   XXXX
Product: Payday loan, title loan, or personal loan

I have continued to receive communications by e-mail for several payday loan companies saying I still owe money which I went through a payday loan relief company to payoff any that I did have and that has all been completed over 2 years ago. I feel as this whole scam of payday loans is unfortunately somehow allowed to continue as they probably figure that people forget and will probably give up and pay what they say. Also my husband and I went through bankruptcy which was completed last XX/XX/XXXX and there were some loans that were applied in the bankruptcy but the companies never pursued in a timely manner with the bankruptcy rules and then were not included. I must admit all of this is very confusing. The payday loan relief company we went through was XXXX XXXX XXXX, phone XXXX and at that time XXXX was the person handling our case. Everything was paid in this plan. XXXX had a Revocation of Authority to Contact Third Parties and if any companies tried to do this it is considered a violation of the Right to Financial Privacy Act, 12 USC 3401. Just as a note ; GOVERNMENT ACTION Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc.,  and Majestic Lake Financial , Inc. Case # XXXX <P/>The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. <P/>The case is currently pending. <P/>Thank you for reviewing my information :
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2018 by Chase Auto Finance. I I called the bank and offered to redeem the loan and get my car back but was told to call back after 24 hours.

I did call back after 24 hours and every 24 hours for the next ten days before I was provided a redemption amount and methods of payment. I was also asked to pay {$15.00} per day storage fees for the ten days the car had been with the repo company.

These ten days of storage came about through no fault of mine but the bank still insisted I was liable for the storage fees. I offered to pay off on the same day the car was repossessed but the bank took 10 days to allow for redemption and then asked me to pay {$150.00} storage fees for those 10 days. 

This is exploitative and sounds like a scheme between the bank and the repo company to rip off customers.
Product: Credit reporting or other personal consumer reports

After numerous requests I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to This matter. PLEASE BLOCK THIS INFORMATION FROM MY C
REDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED all DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

I have provided my signed self attestation, my drivers license, utility bill and letter which is whats required by law.
Product: Debt collection

Upon inspecting my credit report, I identified accounts that seem to have been added fraudulently. I urge you to remove them from my report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting on transunion : Address is incorrect Never lived at this address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CT XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX OF XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX # XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

LITERALLY every time i try to file a credit report issue with Equifax they ask me security questions and when i answer them correctly they claim i need to call a 1 800 #. Im then connected to the XXXX and told i can give my complaint to them. ( They barely speak english. ) I ask who i can speak with in order to get back online. They tell me its not possible. This only happens when trying to dispute something. Any other time i use the website i get right through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Product: Vehicle loan or lease

I was making payments on my car loan in the amount of XXXX, when my bill is XXXX. Toyota has been taking that extra money and not applying it the principal balance but instead is holding it. 

Anyways, I went to change my reoccurring payment back to XXXX and toyota took that payment and an additional XXXX. 

I called customer service and they said once it is posted, call back and they can do a refund. 

I did and the lady said I would have to get proof on a bank letter head that the funds were taken by toyota and mail them this proof. Then, toyota will send me a check in the mail. 

This is ridiculous as it's 2023 and then can easily refund me my money. 

I think their financial practices need to be looked into.
Product: Credit reporting or other personal consumer reports

i have inquires on my credit report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/23 I do not recognize the inquiry
Product: Credit card

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : JPMCB card shows credit balance of {$8100.00} with credit limit {$10000.00}.
Product: Checking or savings account

I have contacted XXXX multiple times to request the removal of restrictions on my XXXX XXXX XXXX, but they have refused to help. Each time I call, I am redirected without any resolution. XXXX has informed me that the debit card is administered by XXXX XXXX and that they are unable to assist. 

Despite my attempts to get assistance from both XXXX and XXXX XXXX, I am unable to access my money to pay for essential expenses, including bills. I am caught in a loop between the XXXX institutions, with no clear resolution. 

This situation has caused me significant financial XXXX  as I depend on my account funds for daily transactions. Neither XXXX nor XXXX XXXX has provided a reasonable explanation for why these restrictions were placed or how to remove them.
Product: Credit reporting or other personal consumer reports

Experian dropped my XXXX XXXX XXXX points because I paid a credit card balance down. When you pay off debt your score is not supposed ot be dropped down. It's supposed to improve. I'm guessing the same stock holder own this bureau that own transunion. Which has been doing the same illegal non sense for excerising my rights to report false credit reporting. Now they are doing it to my experian profile. You all need reformation.
Product: Consumer Loan

I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX )
Product: Checking or savings account

Long story short, a scammer gained access to my account and started reversing a bunch of loan payments I made claiming to be me. Ive tried to get this sorted out with the bank but they are no help saying they cant do anything except have the collections department look into setting up a payment plan after my account has been overdrawn for XXXX XXXXays. 

Needless to say the timing couldnt be worse when Im a full time freelancer about to go on a vacation that I booked months ago and have rent, car insurance and car payment all due/happening in the next week or so. I have no problem paying these funds back on a payment schedule, but I cant live in a world where I just got paid over {$2400.00} today and Im still {$700.00} overdrawn. All of this while each department of the bank is telling me they cant do anything to help me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - Credit report from TransUnion, pulled at car dealership, falsely showed me as deceased reported by TransUnion. 
Called TransUnion help hotline multiple times for weeks, trying to get my deceased indicator removed from my report.

Sent multiple letters in the mail to have problem fixed. 
Finally received full credit report from TransUnion on XX/XX/XXXX, but still has not fixed the issue - deceased indicator on my file.
Product: Checking or savings account

On the night of XX/XX/22, I was briefly XXXX XXXX XXXX XXXX XXXX XXXX The assailants used my debit card, after forcing my pin number out of me at XXXX XXXX, to withdraw and use XXXX $ USD. I filed a claim with Wells Fargo that was resolved on XX/XX/22, with the bank failing to refund me, with the reason being " ... the transactions were made using your card and personal identification number, we found it was made by you or someone who had your permission. '' I followed up with the bank in person on XX/XX/22, and a banker allegedly " escalated '' the matter, however I have not been able to get a hold of this person since.
Product: Vehicle loan or lease

Admittedly the last few months with XXXX my payment was late several days, when I would contact them before the due date, day of or after the agents said there was nothing they could do, " give it a few days and call back '' when I was closer to the date the payment could be made. The harassing phone calls 5-8 times a day would begin the day following the due date and continue until the payment processed. Those calls continued even after I paid off the loan XX/XX/XXXX. The company had yet to update the credit bureaus and has further damaged my credit by remaining open with unpaid balances, and because of this I was denied a loan that would have allowed me to pay off my credit cards and move in to an apartment, specifically because I already showed two open auto loans. Although I am eager to get my report updated, I'm filing this complaint because they refuse to tell me when they send updates to credit bureaus or even who I can contact within their company for that information. I emailed the company XX/XX/XXXX and did not receive a response. Tonight, XX/XX/XXXX I called " customer service '' and at first was told to " give it a few days '', when I said that was not acceptable and wanted to know how often or when it would be updated, the agent hung up on me. I called back, spoke to another agent, he said they send updates monthly but he has no idea when. I replied that it has been almost two months and asked who did have that information, he hung up on me. Both times they had the nerve to send me to a survey to rate their service. I just want to be rid of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Around XXXX 2019, I contacted collection agency XXXX, XXXX and XXXX PA to settle the Ford Motor credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender Ford. Also, I was told that if I didn't pay they would garnish my wages and income taxes.

However, when I reviewed my credit report I noticed that Ford Credit act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I asked XXXX to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that 72 hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>