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

Just about a year ago I finally ( with some browser related difficulty ) was able to use my online account at XXXX to obtain the first of two free credit reports. Using that site has since been clear sailing. XXXX  now offers six free reports per year as noted in an update to the FTC article at https : //www.consumer.ftc.gov/articles/0155-free-credit-reports. That squares with what is presently offered through my account at XXXX. 

CFPB may be aware that Experian now appears also to offer more or less directly, from Experian Consumer Services ( ECS ), at least one free credit report, at https : //usa.experian.com/registration/? offer=at_frsas102 & br=exp However, is CFPB aware of Experian 's Terms of Use Agreement , accessed with the link at the bottom of the " Registration '' page above, at https : //usa.experian.com/registration/ # /termsOfUse? 

Specifically, in Terms, in the first of the last two paragraphs under FCRA DISCLOSURES : " The credit report you are requesting from ECS is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. " Well! After perusing DISCLOSURES and not being an attorney, I have come away uncertain as to just what I would get if I registered as above. DISCLOSURES states that the report from XXXX is " comprehensive. '' But what, specifically, is the difference between the report offered above and one that complies with the FCRA? 

As yet, I have found no such distinctions in the XXXX Account Agreement and Terms of Use, at XXXX XXXX XXXX  or in my report from XXXX XXXX XXXX XXXX XXXX 
Yes, it is true that XXXX  offers several distinct options including " XXXX/FCRA '' at XXXX XXXX XXXX XXXX XXXX 
But, that appears to be more about the " circumstances '' under which a report is requested than it does about the information contained in the report provided. 

It would be nice to be guaranteed at each company a FREE credit report that was substantively the same as the so called FCRA report, through A UNIQUE ONLINE ACCOUNT AT EACH FOR WHICH I HAVE REGISTERED. 

Can the CFPB shed any light or, perhaps, a little force on Experian 's Terms of Use Agreement?
Product: Student loan

Many times I have tried lowering my payments and the only way to do so is getting on a forbearance payment plan. The last one I was on ended abruptly with no calls or emails informing me of the changes to my account in XX/XX/XXXX. I started a new ‘payment plan’ (forbearance) that would lower my payments to $XXXX a month, but the very first auto debit they took $XXXX! I called and the woman on the phone said “I have no idea why they took so much” and never found out why. The best she could do for me was putting in a “refund request” for the difference with no promise of refund, and no proposed timeline. Now I’m out all of that money and unable to pay other bills NOT because of my inability to budget but because of a computer error in Sallie Mae’s system that allowed them to just TAKE my money. I have since cancelled auto debit and will now only pay them the agreed upon amount on the agreed upon date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unknown inquiries on my Early Warning Services Report. The company did not want to perform investigation ( XXXX XXXX inquiry ), refused to give me contact information of those inquiries so I can contact them by myself and see why they obtained my report. EWS said they don't have any evidence for the permissible reason of the inquiries and they won't remove the inquiries either. Provides inadequate information. Provides outdated information. And easily spreads my report to who-ever without my authorization or permitted by law, which puts me on a risk of identity theft. The uploaded file is evidencve that EWS doesn't care to who they give access to my file, and when i asked what is the reason they gave to the company in question, they simply ignored me.
Product: Checking or savings account

When opening my checking account with Chase Bank I chose to opt out of any overdraft protection. Back on XX/XX/XXXX I had an available balance of {$9.00} and a debit card charge for {$310.00} came thru on my account which. A used me to be over - {$300.00} overdrawn, but they should have never allowed the transaction to go thru. They allowed 3 more Separate transactions to go thru on XX/XX/XXXX & XX/XX/XXXX while my account was already overdrawn- {$300.00} and then charged me a {$34.00} NSF fee for what they called a " recurring debit charge '' from XXXX which in fact isn't a reoccurring charge at all. Any XXXX charges are random different amounts and not on any set schedule. I then made a deposit into my account which covered any negative balance. I also sent an email message to them at this point expressing my dismay and reminding them my account was opted out of overdraft protection. Then again on XX/XX/XXXX they allowed transactions to go thru on my account causing it to be become overdrawn again. They allowed 4 separate debit card transactions thru, and then access 2 {$34.00} NSF fees on the account as well creating it to go even further negative. Again stating it was for " reoccurring debit card purchase '' for an XXXX transaction that's clearly not a reoccurring purchase. They continued to do this for 8 more debit card transactions on XXXX, XXXX, XXXX, and XX/XX/XXXX. So I again messaged them expressing my concerns for the way they were handling my account as I had chosen to be opted out of any sort of overdraft protection. 
So because they realized they messed up they credited my account on XX/XX/XXXX for {$34.00} for one NSF fee they took out previously and also credited {$10.00} for reversal of some ATM fees as a courtesy for their mistake. This still left my account over - {$400.00} overdrawn. They're still continuing to allow transactions to go thru on XXXX, XXXX, XX/XX/XXXX. So as of today XX/XX/XXXX my account is overdrawn over - {$750.00}. from continually disregarding my choice to have my account opted out of overdraft protection and multiple NSF fees assessed. None of these transactions should have ever been allowed thru/paid. There is no way I can cover this large of an amount to bring my ( only ) checking account to a positive amount. And the fact remains I shouldn't even have to cover this as these transactions should have never been allowed thru/paid. Now because of their wrong actions I'm going to be a sad statistic included in the 22 % of Americans who are unbanked, when I shouldn't be.
Product: Vehicle loan or lease

This is in response to my first complaint that was closed before I could respond. I was in XXXX XXXX XXXXXXXX since XX/XX/scrub>XXXX XXXX 

American Credit Acceptance is speaking as if I am lying, But in fact. it is the opposite, I have spoken to many of their customer service associates that understand my frustration but are not allowed to make notes on my account to not lose their job. Even more aggravating is - Not one person could give me the correct information and everytime I would call back it would be a different amount and they could never email me my transactions/payments, so I can go over my credit report and make sure it all lined up with my credit report. 

The loan has not been on my credit report. There is no solid paper trail to what is owed, except their write up which doesn't list all the correct dates and what was truly delinquent. They are lining their pockets quickly by their aggressive loan behaviors and Thankfully I know I am not the only one who has felt mistreated and completely dumbfounded in their tactics. I know what I was told to pay off the vehicle in which I did, and then told. no, thats not correct you actually owe more.. 

I was never given the benefit of the doubt. I asked for paperwork, and never received. I think it's fair to only allow me to share these frustrations in hopes it can close this experience for me and warn others to document everything they can and become their own advocates when working with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Product: Vehicle loan or lease

I had a loan with fifth third bank i ran into financial issues after XXXX XXXX of non late payments and i asked for help they reduced my payments for XXXX XXXX so they told me and I was charged the actual full payment on my bill first of all I also asked them to remove XXXX extended warranties on my vehicle which was about {$8000.00} and that would have made my payments reduced because I took it to the XXXX dealer and they wouldn't fix it or even look at it until I paid a fee technically I was paying a fee for.the warranties that were useless but yes I was XXXX payments behind because my bank returned them because I had fraud on my account so that didn't help either this bank is a rip off also my loan is for {$28000.00} {$9000.00} of which are warranties also they didn't give me a copy of my contract I had to go back to where I bought it and look at it and seen how XXXX i was
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OK XXXX ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this address it is not mines I never lived there please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX  these two accounts were unauthorized and i would like the removed immediately
Product: Credit reporting or other personal consumer reports

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. 
Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. 
Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social was used for a loan of XXXX $ that I did not apply for on the company call Regional financial. This account was open on XXXX XXXX. 
It start showing on my credit report a week ago. 
I called the company a couple time and we verified that the info they have under my name its not mine and they have not resolved this problem. 
They said something about some forms that I have to fill out but they never send me nothing. 
I would appreciate if someone would help me please. 
Thanks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the XXXX XXXX that negative items on my credit report are adversely affecting my chances of securing a position. A XXXX  friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - PXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account XXXX. XXXX XXXX CODE XXXX - PXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX inquiry : XX/XX/year> Delete this account
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item that I am asking you to verify as accurate : XXXX ( XXXX ) XXXX
Product: Mortgage

We were building a new house in XXXX XXXX XXXX XXXX, the builder said they would include the cost of the XXXX if we used their Wells Fargo lender. In talking with the Wells Fargo XXXX XXXX he said we could sign up for a rate lock guarantee where we pay to have a current mortgage rate locked in at the time of closing, if rates go down then the payment just goes toward the closing costs. We paid {$2200.00} for a rate lock on XX/XX/. When we closed on the house in XXXX of XXXX  rates had gone down so they said that {$2200.00} would go towards the closing costs. At our closing, it showed our payment of {$2200.00} but it was never deducted from the closing costs, and we ended up paying the full closing costs plus the {$2200.00} that we paid for the rate lock. I fought this as the closing and after I contacted the lender XXXX and the company Wells Fargo XXXX XXXX about why the {$2200.00} wasn't deducted from the closing costs but seemingly added to the closing costs. They just strong-armed me and tried to make me feel inferior and that I didn't know what I was talking about and nothing was ever done. Shortly after this, I learned how Wells Fargo had scammed thousands of people out of their money, and eventually found guilty and ordered to repay the people they had taken advantage of.
Product: Debt collection

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of todayXX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.
Product: Credit reporting or other personal consumer reports

O/a XX/XX/XXXX I requested this agency to stop reporting delinquent days late from accounts discharged through bankruptcy as they use delinquent days as a tool to adjust fico score. The accounts are discharged that means even old reporting information such as delinquent days pass due before the bankruptcy
Product: Credit reporting

Customer service would not help and take care of negative inquiries reported on credit report. I would like for these inquires to be removed. 
XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX  and XXXX remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}
Product: Debt collection

I C SYSTEM ( The original creditor was XXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and I C SYSTEM keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID.
Product: Checking or savings account

I disputed multiple charges from my checking account with Truist Bank, haven't received any documentation from Truist. The charges that I disputed, Trusit hasn't blocked the company from taking my money. 

I have reached out for new debt cards and still haven't received them.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX all white from XXXX dealership located on route XXXX in XXXX New Jersey at the time I was driving over the road because my occupation is XXXX XXXX I seen the car advertisement on XXXX XXXX And the price of the car was {$7000.00} and some change. However, I was told when I called to acquire about the car that they had to do a credit check and when the dealership ran my credit & they said I was good so I only had to put down {$1500.00} to take the car off the lot. Due to the lack of knowledge & the dealership did not fully explain the loan process they tricked me into a loan Process that turnt out to be 3 times more than what the car was worth & the car was a lemon. The Service Department reset the computer on the car to hide the check engine light so I wont see that it was a defect on the car and the radio did not work. three weeks later the engine light came on I reported to the dealership they forward me to the service department they gave me the runaround claim they couldnt get the piece which was the Crank sensor. Then when I go into the service department one of the employees claimed I have no warranty when the dealership told me I had a warranty and then I reported to Credit Acceptance about the extra fee the dealership tried to charge me & the defects on the car and Credit Acceptance did nothing about it. I feel as though Ive been taken advantage of and due to this car loan on my credit report Im not able to get credit cards, Im not able to start my trucking company because the dealership sold me a lemon and they did not fully educate me on the loan process because I would of never bought a XXXX car thats three times more than what its worth it makes no sense. I XXXX XXXX XXXX already paid that car off and I feel as thought I been Robb both ways Pocket and credit wise because I have to pay for them selling me a lemon tricking me into a loan. Before I started this Complaint I called Credit Acceptance to gather information before submitting and one of the employees did not want to give me to Abstract for the complainants she claimed the supervisor is not available, however one of the employees claim because the complaint its wasnt mailed in and it was over the phone its not valid when every phone call suppose to be recorded for insurance purposes & one of the employees took my complaint down over the phone when I filed it because the investigation department contacted me back and also they was no help at the time I was driving state to state I have proof of my occupation at the time of this purchase so they knew my profession was XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a dispute with all 3 credit agencies with regards to a XXXX account that appears on my report. This account is reported as a loan, that is first of incorrect as a XXXX account is not a loan. Secondly, I asked the creditor to send me verification of the debt as I have never had an account with XXXX. I did not receive proof. I requested these items be deleted. I submitted my dispute with Experian on XX/XX/2023 ( a Sunday ) they " completed '' the dispute on XX/XX/2023 less than XXXX hours later. It seems impossible that a dispute can be properly validated in less than XXXX hours. I have tried to contact them and sat on hold for hours. There is no way E-oscar is verifying these items. Something must be done as there are several other disputes that they have " validated '' that have had to be removed. Also, the other 2 reporting agencies have not validated the same debt that Experian states they have. I feel these reporting agencies do not do their job. They are merely going by what an artificial intelligence platform provides to them.