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

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX  XXXX Balance : {$38000.00} ; XXXX XXXX XX/XX/2023 .
Product: Payday loan, title loan, personal loan, or advance loan

i recieved several title loans and the amount payed back greatly succeeds the amount borrowed and on one loan that i paid off i never recieved my title back, unfortunately truck was stolen so i gave up on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with M and T Bank with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with M and T Bank is # XXXX.Balance is $ XXXXWhy ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.
Product: Credit reporting or other personal consumer reports

I set up a freeze with Experian to protect me from fraudulent requests for credit as I was recently a victim of fraud. I set up my account with Experian and later needed to change my phone number. I tried to update my information and also unfreeze my account. However, there is no way to speak to a person. All the information from the company tries to use my " old '' number which I don't have and was trying to update in the first place. At this point I am unable to get a loan which I needed AND there is no way to work with the company as there is no humans to talk to. XXXX and XXXX was able to get me to a person and resolved my issues within minutes. I've tried 5 different phone numbers and the machine always goes back to requiring me to use the phone number that is no longer available. This could be resolved quickly if they only had people to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by Equifax. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Student loan

I attended this school for one semester after finishing my prerecks at a XXXX XXXX college I  transferred to XXXX XXXX college they told me I needed to fill out a student loan in order to attended the school after I finished my first semester I was told that the school was closing down and the owner of the school held a meeting and let us now that the school credidation had been lost I took out 1 loan and then it turned into XXXX dollars this has been under investigation for 7+ years it is affecting my credit tremendously I have called the Navient department and the department of education and all they have told me there's no information at this time the school has been shut down due to fraudulent actives I have disputed it numerous of times with XXXX and they have yet to take this of my credit I did not accumulate these loans and I never got any certificate stating that i went to this school please help me it has been 7 years these are not my loans I have been told that the owner of the school has taken out loans and kept all of the money
Product: Consumer Loan

I purchased a new vehicle which included a payoff of my old car. The car dealership mailed out the payoff to my finance company on XXXX. The finance company received the check, applied it to my account and then reversed the credit and returned the check to the car dealership. ( The finance company has yet to provide a reason why ) The dealership mailed another check on XXXX/XXXX/15 the check was received and has since cleared the bank. I have called the finance company several times. I have given them the tracking number and check number of the check. Nothing has been done, I am still receiving calls about the account being past due and I have been told that if this were not resolved that the payment will be reported to the credit bureau as a late payment. I called and left a message for a supervisor to call me back and it has been over a week and no call. I was dealing with another representative as I have been calling about this issue for over almost a month. The rep was handling it, but I have not heard back from her either and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

This afternoon, I found incorrect accounts on my credit report, and Im at a loss as to why theyre there. I check my report often, but this time, these discrepancies just showed up out of nowhere. I refreshed my browser, hoping it was an error, but the accounts didnt disappear. Because of this issue, Im urgently asking for a detailed review of my documents so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX XXXX NATL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I have a car leased from GM Financial. The payment has always been on time. there was one issue with auto pay when the GM employee said it was set up correctly and would auto draft. HOwever, the payment did not auto draft and GM issued a late payment ding on my credit. ALL other payments were on time except this one where the employee made a mistake.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is the section of the Fair Credit Reporting Act ( FCRA ) that governs the accuracy and fairness of credit reporting. This statute gives consumers the right to dispute inaccurate or incomplete information on their credit reports, and it requires that credit reporting agencies investigate disputes within 30 days. It also outlines the procedures for correcting or removing errors from a credit report.
Product: Credit reporting or other personal consumer reports

After reviewing credit report I saw inquiries that are not mine on there
Product: Debt collection

I filed bankruptcy on XX/XX/XXXX. L.L. Bean credit card was notified by the courts that I filed bankruptcy on that day. I had my hearing on XX/XX/2021. I keep receiving emails from them regarding a credit card statement. Nobody takes the initiative nobody takes the responsibility of L.L. Bean credit card MasterCard. I get off the phone with them on XXXX 2021 and I get two emails that I said I supposed to pay a balance. I never gave them authorization to take {$370.00} for me and {$120.00} for me. I have confirmation emails. People were in my house I never told them that I was paying any bill. I am protected on chapter XXXX bankruptcy and theyre violating the chapter XXXX law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Transunion inquiry issue and after speaking with them they denied to service my request to have inquiries removed.
Product: Credit reporting

My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}
Product: Mortgage

I am writing to follow up on my loss mitigation application for forbearance. I have filled out the application and mailed it back to Shellpoint Mortgage Servicing at the address provided : XXXX XXXX XXXX, XXXX SC, XXXX. As you are aware, you are the servicer of my mortgage loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. My loan number is XXXX. 

I assume that, like most mortgages, my home loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency, a job loss and a costly illness and request forbearance on my mortgage loan under the CARES Act for a period of 180 days. 

Please let me know if you need any supporting documents to expedite the process. I tried to reach you on XX/XX/2024 at approximately XXXX using the phone number listed on the website ( XXXX ) XXXX, but unfortunately, I was not able to reach you. 
XXXX, XXXX, Shellpoint mortgage has hired law firm to start foreclosure proceeding against my property and the foreclosure sales is schedule for XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} TransUnion : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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
Product: Credit card or prepaid card

My name is XXXX XXXX, I've called Discover five times now with no headway made on my case at all. The first of these calls began a day or so after I noticed these fraudulent purchases, all the way back at the end of XX/XX/2023. Only one of the purchases that was made on my stolen card was refunded ( a stop at a gas station ) however they are refusing to refund the other ( more expensive ) purchases. I thought this was gon na be resolved the third time I called when a woman tried really hard to figure out why I didn't receive a refund already. Sadly, it still hasn't and after my last two calls they have continued to state that I'll have to pay for these charges or that it was already taken care of ; however, my credit card billing statement reflects otherwise. Each call I made they stated five times that I would receive a call back from a supervisor and I haven't received a single call back or email about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX   XXXX   XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a   ) ( 5 )   ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.  <P/> Under the F CRA 15 U.S.C. 1681i, all un verified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX engages in predatory lending and illegally reports incorrect information to credit bureaus. I got a {$1200.00} loan in XX/XX/XXXX to buy furniture. I tried to pay it in full in XXXX of XXXX. In less than 5 months the interest they tried to charge me was {$1400.00} on top of the {$1200.00} principle. I refused to pay that amount and offered to settle for the principle plus 20 % interest and they agreed. I was also assured that nothing would be on my credit report. They reported negative payment information to XXXX anyway. When I disputed it, they updated my payment history with a full year of payment history that never happened! They're claiming to have received payments from me every month after XX/XX/XXXX until XXXX of XXXX when they claim I missed a payment. I called to ask them to remove it and thay told me no.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and Experian continue to report a bankruptcy on my credit report, which I believe to be inaccurate. I disputed this entry with both bureaus, and they verified the information as accurate during the legally mandated 30-day investigation period. However, they failed to provide sufficient documentation to substantiate their findings, and their investigation results claim that the information was verified through U.S. court records. When I contacted the court directly, I was informed that the court does not provide such information to credit reporting agencies. 

Legal Violations : Failure to Verify Within 30 Days : Under the Fair Credit Reporting Act ( FCRA ) ( 611 ( a ) ( 1 ) ), credit bureaus are required to complete a reinvestigation of disputed information within 30 days of receiving the dispute. If the information can not be verified within this time frame, the FCRA obligates the credit bureau to delete the disputed item from the consumers credit report. XXXX and Experian failed to meet this requirement, as they did not verify the bankruptcy with a valid source, and instead relied on unverifiable or incorrect information. 

Reasonable Investigation Standard : The FCRA ( 611 ( a ) ( 1 ) ( A ) ) also mandates that credit bureaus conduct a reasonable investigation when a consumer disputes information. By claiming that the bankruptcy was verified through court records, which the court itself has confirmed it does not provide to credit bureaus, XXXX and Experian failed to meet this standard. This constitutes a violation of their legal obligation to ensure the accuracy of reported information. 

Inconsistent Reporting Across Bureaus : XXXX conducted its own investigation of the same bankruptcy entry and removed it from my credit report. This discrepancy demonstrates a lack of consistency in how the XXXX major credit bureaus handle the same information and further calls into question the thoroughness and validity of XXXX and Experians verification processes. 

Harm Caused : XXXX and Experians continued reporting of this unverified and inaccurate bankruptcy entry is causing me significant harm, including damage to my credit profile and lost financial opportunities. Their refusal to remove the entry, despite failing to verify it properly and within the legally required time frame, is unfair, harmful, and unlawful.
Product: Credit reporting or other personal consumer reports

There are inaccuracies in my credit report, such as incorrect employers. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated.
Product: Money transfer, virtual currency, or money service

I send XXXX  token from XXXX ti coinbase buy not arrived, there are XXXX of people that felt in this error because isnt clear that u cant send the token from XXXX to coinbase. 
We are in XXXX of people that have XXXX of this token stopped in limbo. 
Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,
Product: Debt collection

H & R ACCOUNTS INC at XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Regardless of the multiple written requests, the NAVY FCU accounts are still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Want to fix this solution of me being a victim of identify theft. I cant understand the system in Florida in how the government is allowing these thieves to steal people identity and all its doing is destroying are lives. I want a stop to this. I refuse to be a victim of indemnity theft