23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pennsylvania Attorney General has investigated 130 complaints concerning XXXX  ( peoples commerce ) and XXXX and the president of the dealerships, XXXX XXXX. 

XXXX has a location in XXXX and XXXX has locations in XXXX and XXXX. 

The lawsuit alleges they sold and leased used cars at inflated prices, used deceptive business practices, and sold vehicles that were not roadworthy. 

" I went to turn the heat on and I smell burning and it was just a loud clunking, crashing noise, '' said XXXX. 

Back in XX/XX/2011, XXXX told reporters that she bought a XXXX XXXX XXXX from XXXX and that in 19 months, her vehicle needed about 10 repairs and they cost her {$500.00} out of pocket. 

That's on top of the {$500.00} she put down and the {$240.00} she was paying per month. 

A XXXX vehicle history report shows XXXX 's car was worth about {$2000.00}. 

However her lease with XXXX was going to cost her {$9600.00} and the car was hers only 3 years. 

They also said that they are helping customers with subprime credit who would not be able to purchase a car at other dealerships. 

The former attorney general believed there are other victims of these alleged scams who have not yet filed complaints. 

Well I AM NOW!!! This very same situation happened to me and I returned the car voluntarily to them, 72 % of the balance was already paid and I paid the remaining 18 upon returning the car. 

They have been reporting it as a repossession which is not true because they Have both the car and my money. I want this off of my record considering this organization has proven to be fraudulent In their business practices. 

If they refuse to comply then we will go to the Pennsylvania Attorney Generals office to initiate a new investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Credit Card Cos . 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

Someone hacked a friend 's XXXX and XXXX and asked me to send some money, first I sent XXXX and XXXX on XX/XX/XXXX and later XXXX on XX/XX/XXXX. As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle  because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX progress amount is XXXX XXXX and XXXX dollars and account is XXXX the other is we Bank XXXX for XXXX and this account been closed and charged off the date was XXXX XX/XX/year> the account number is XXXX the other account is mlgw for XXXX the account vis closed and I have other stuff that not right I correct name spelling in correct address to
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ''
Product: Student loan

The issue is my student loans should already be paid off. Instead, I still have a {$37000.00} balance. 

The very first payment on all my student loans was set up wrong by AES. Ive requested information but have never received it. Ive requested an override but have never received it. AES is charging me 7.375 % and I should be paying between 1.75 % to 3.15 %. 

AES says my interest rate couldnt be dropped because I missed a payment. For 20 years my loan has been on auto draft and Ive not missed a payment. Online it shows I missed my very first payment. Ive asked AES to provide me documentation on this matter for over 10 years now and not once have they sent me any information. 

AES failed to set up my auto draft properly and is punishing me for it. Had my loans dropped to a lower interest rate my loans would be paid off at this point. Instead, I still owe over $ 30k of principal between 2 loans.
Product: Credit reporting

XXXX XXXX XXXX took me to court over a debt that was dismissed with prejudice in my favor. The information was sent to the credit bureau and they refuse to remove it from my file as XXXX is still reporting it even though legally I am not obligated to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I demand that this account be corrected immediately XXXX XXXX XXXXXXXX
Product: Student loan

My student loan was completely paid off on XX/XX/year>. My last payment was made in the amount of {$2000.00} which is the exact amount specified by the loan servicer as the full payoff amount. On XX/XX/year>, I received an email stating I have an account balance. I logged into the online platform, and there was a new balance showing in the amount of {$390.00}. The communication indicated that a payment didn't go through for this amount. However, I reviewed my payment history with Mohela, and there was never a payment for this amount. And my bank records show that every payment went through in full. I reached out to Mohela by phone several times speaking with several support agents. After a total of about 7 hours on the phone, I was able to speak with a supervisor. I was told that the balance showing on my account was due to a technical error and that the balance would be removed. There is still a balance of {$390.00} showing on my account. Suspiciously, Mohela only provides an account history that shows only payments made and does not show a running balance of the amount owed.
Product: Payday loan, title loan, or personal loan

Purchased item from XXXX that was sold by and shipped by XXXX using Affirm financing. XXXX never delivered order items and both XXXX and affirm refuse to cancel the loan. 

XXXX order # Order # XXXX Affirm loan id XXXX XXXX shipped the wrong items. Blatantly wrong different model, part number, price, features, etc. XXXX then refused to offer any options except I pay {$8.00} to ship the wrong items back to them and refused any refunds or reshipment of the correct items until that happened. There are XXXX other orders that they also messed up at the same time for tens of dollars and those strangely got refunded. The {$850.00} order strangely was not despite being the exact same issue. 

That is XXXX times they have broken FTC trade law using the commonly accepted definitions. 
XXXX XXXX XXXXXXXX I reached out to XXXX for resolution. Their only answer is illegal. Went through Affirm 's dispute process and they sided with XXXX because XXXX 's actions follow XXXX policy, which could not be provided in writing by either XXXX or affirm.
Product: Vehicle loan or lease

My mother receives letters in my dads name, XXXX, and that she is a co-signer. The loan is for my car. I currently have no record of XXXX ever and have been paying my loan via XXXX. I have never consented to signing any other outside loan servicing agency for my vehicle other than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Debt collection

This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a SAVE application on XX/XX/23. On XX/XX/23, Mohela sent me a message and stated that there would be a delay, but provided no other information even though payments were supposed to begin. My previous payment was supposed to be {$170.00}, but under the SAVE program, my payment should be {$0.00}. This is a significant difference and I really need them to process my application. On XX/XX/23, they sent me another message stating that my loan was going into forbearance because they had still not processed my application. This could impact my PSLF payment count and cause me to need to pay more to them. I have sent them multiple messages, asking them to process the application. I have also tried to call them numerous times, but have been on hold for 1-2 hours and unable to get an actual person on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report a delay in the investigation of inaccuracies on my credit report, which I initiated on XX/XX/year>. As of today, the 30-day investigation period required by the Fair Credit Reporting Act ( FCRA ) has passed, and the investigation has not been completed within the legally mandated timeframe. 

I initially requested an investigation into the following issues on my credit report : Inaccurate information regarding and Outdated or inconsistent reporting that does not align with the timelines specified under the Fair Credit Reporting Act ( FCRA ). 

Creditor agreed to remove from report with payoff, balance is {$0.00}. In addition, the item is reporting with inconsistencies amongst bureaus. 
XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : Experian : XXXX Transunion XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to complete investigations of disputed information within 30 days of receiving a dispute. As this deadline has passed without resolution, I am requesting your assistance in ensuring that the credit reporting agencies adhere to their legal obligations and that the inaccurate, outdated, or inconsistent information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently 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 i am asking you to verify as accurate. 
XXXX XXXX XXXX Account number : XXXX
Product: Credit card

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, Chase Card Services put a hard inquiry on my credit report for a credit card. I didn't apply for a credit card today. Their information is : Chase Card XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I've just received my credit report and noticed unauthorized items that shouldn ; t be on my credit profile. These have been rough times during these troubling times
Product: Debt collection

This card was created and charged at a dental office. I was quoted a price of XXXX dollars for services and told that they had a credit card I could apply for there. XXXX is the place. anyway while i was under XXXX they had me sign some papers. when I received the first bill it said XXXX or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more XXXX that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had charged the credit card. I was angry and refused to pay the credit card for awhile but then i didnt want my credit to be ruined so i agreed to large payments each month till i paid off the principle because i didnt know what else to do. but now they want the interest for the year i refused to pay and i dont feel i should have to pay that. because i was lied to, to begin with. that was in 2014 and they have turned it over to a collection agency and they keep posting it and its dropping my fico and credit score. I pay my bills, and im XXXX on time, I hate this situation but I refuse to pay for something i never agreed to from the beginning, even though I did pay the principle in which i think that was theft to begin with. please help if you can.. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S Code 1681s-2 the responsibilities of furnishers of information to consumer reporting agencies is to update the credit agencies to inform them when information is not longer accurate information. I have file several complaints in regards to a fraudulent inquiry that was placed on my consumer file on XX/XX/XXXX. I have contacted the Financial institutions which is XXXX in several different complaints : CFPB # XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX I received a response back from XXXX and its stated that ( we have submitted an electronic request to have the inquiry generated by the credit application deleted from your credit file ( See Attachment ) .Since then Equifax continue to report fraud on my consumer file. Because of the financial relationship that the credit agencies have with entities I have reason to believe that Equifax and XXXX are willful noncompliance and continues to report fraud for financial gain and attempt to ruin my financial reputation. On XX/XX/XXXX Equifax response back and stated that XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. They also stated SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZE PLEASE CONTACT THE CREDITOR DIRECTLY ( See Attachment ). I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently on XX/XX/XXXX. Since XXXX XXXX XXXX has stated on XX/XX/XXXX that they have submitted a request to the major credit bureau to have the XXXX XXXX inquiry dated XX/XX/XXXX deleted from your credit bureau report. XXXX also stated that previous requests were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Attachment ). If Equifax is stating that this inquiry is coming back as verified. Who are they verifying this information with? Is XXXX verifying this information since and just telling me that they are submitted requests? I have provided Equifax with numerous amount of proof and they continue to report fraud. PLEASE HELP!