23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a car at Nissan XXXX XXXX ( CA ). They requested I used Nissan Finance to finance approximate XXXX XXXX of the value of the auto. I agreed since it would lower my price. Utlimately we reached a deal and I signed all of the paper work. 

In CA dealers are permitted to cancel the installment sales agreement if they provide notice within 10 days. They failed to do that and didn't provide notice for at least 11 or 12 days. 

I asked that they withdraw their cancellation notice and have not heard anything. 

I believe this practice of " cancellation of the agreement '' is widespread among auto dealers and is a tactic to get additional money from their clients in violation of the law. 

We have previously filed a complaint against the Nissan Finance company to which they responded " we have nothing to do with that stuff '' which I don't believe. I now believe that NMAC ( Nissan Finance ) and the dealer network collude to support these inequitable and illegal practices " below the radar '' as a profit improvement strategy. 

They are preying on the most vulnerable part of the population and hoping to scare people into submission.
Product: Credit reporting or other personal consumer reports

Honda Financial is reporting a 30 day late payment on all 3 credit bureaus from XXXX XXXX XXXX. I've originally reported this as incorrect and XXXX deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Product: Debt collection

I have a collection in my name. For a telephone line Im not associated with. I currently have a debt with this account that Ive never opened up, paid for, or benefited from. When trying to dispute this information I was told that the results for my claim were in fact valid the account belongs to me. Im very confused on how one would come to that conclusion when Ive never had an att account in the history of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and Equifax to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report Equifax has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If one agency can remove this why can XXXX and Equifax. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP
Product: Checking or savings account

I am reporting that Marcus by Goldman Sachs is engaged in fraud, identity theft, and criminal negligence. On XX/XX/year>, I received a suspicious text message for an security code at Marcus. I was not familiar with Marcus but quickly learned that it is one of the many online banks that do not practice adequate KYC controls in accordance with the Patriot Act. I called Marcus and learned that an unauthorized individual had opened an account using my identity on XX/XX/year>. The individual has used the same stolen identity information that has been used at other institutions who practice these same sub-standard KYC controls. Marcus depends entirely on self-attestation of SSN, address, phone number, date of birth, and email and makes no effort to verify that the applicant is the bearer of the true identity. In fact I can prove that Marcus does not properly verify these identity facts because Marcus approved the application using my identity with an incorrect date of birth. Marcus does not collect any government issued photo identification, gps location, or live photo verification. These are identity verification techniques that are in common practice across the internet yet Marcus does nothing and so aiding in the perpetration of fraud, identity theft, and criminal negligence. I have reported this to local law enforcement and the FTC via identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried to resolve this with the company and they were not willing to help me. These inquiries were not authorized by me and I am filing a complaint to have them removed asap. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised via the dark web, Equifax breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is ( XXXX XXXX ). the false name incorrect name. XXXX XXXX XXXX, XXXX XXXX XXXX speeding tickets are showing up on XXXX background check. XXXX XXXX. XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. these moving /speeding violations are inaccurate please help remove from drivers records DMV XXXX checker background please this person is hurting my chances of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XXXX i noticed my credit had dropped by XXXX points, the charge was from a company called XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone number ( XXXX ) XXXX the were reporting for a company called XXXX. I have never heard of XXXX XXXX XXXX or XXXX and I'm pretty sure XXXX doesn't even exist i cant find it any where online. XXXX XXXX XXXX is claiming they did not report this charge to Experian they reported another XXXX XXXX and Experian made the mishap of putting it on my credit. which is either highly unlikely and XXXX XXXX XXXX is commiting fraud or a terrible mistake on Experian credit reporting part. i believe that XXXX XXXX XXXX is the culprit after looking up there company and finding multiple people going through the exact situation as I am. I would like to file charges against them for fraud and identity theft.
Product: Checking or savings account

Back in 2016 I signed paperwork for Wells Fargo to directly pay my car payments to XXXX. They failed and my vehicle got repossessed and my money was still in my account. They failed to pay. XXXX wanted all the money to retrieve my truck. The entire loan amount.
Product: Mortgage

We requested to remove PMI. We were told originally to reduce balance to 80 % then that changed to 75 %. We did what we were told. We should have had PMI removed back in XXXX ; however we are getting the run around. We want the PMI removed & back dated to reflect the correct effective date. They are telling us we need to pay the full payment for a 2nd month which is completely unfair & unprofessional. We are getting no where with Caliber Home Loans customer service. 

Please help us! 

Our experience is real estate, insurance agent & prior mortgage origination therefore this should not be happening to us ... this is ridiculous
Product: Credit reporting or other personal consumer reports

Account number : XXXX I am writing to formally dispute and demand the immediate removal or correction of an illegal charge-off entry reported on my credit report, which is both inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I am fully aware of my rights as a consumer and I will not tolerate any violation of those rights, particularly when it comes to the deliberate or negligent reporting of erroneous information. 

I am referencing the charge-off listed on my credit report, which I assert was reported without proper documentation, and likely without compliance with legal standards required under both the FCRA ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5536-5565 ). Let me be clear : this charge-off is illegal. Per IRS guidelines, if a debt is canceled or written off, the creditor is required to issue an IRS 1099-C Form to report the cancellation. To date, I have not received such a form, nor do I have any records or proof of this action being taken. Furthermore, this erroneous entry has caused substantial harm to my creditworthiness.

You are fully aware that under the FCRA and CFPA, as well as related case law, consumer reporting agencies like XXXX must investigate disputes in good faith, forward all relevant information to furnishers, and ensure the accuracy of consumer credit reports. Your agencys failure to do so has caused me significant damage to my financial reputation and violated my legal rights.
Product: Debt collection

( Request ) complete original promissory note that shows my signature, account transaction history, required default or accelartion notices, notice of sale document, calculation of surplus or deficiency letter, any additional contracts included thats related to insurance, the buyers guide, the purchase order.
Product: Vehicle loan or lease

On XX/XX/XXXX, the bank did 6 line item notes on this loan : 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  When I called they refused to tell me what this denoted. 

On XX/XX/XXXX the bank ledger/statement shows my loan balance as : {XXXX On XX/XX/XXXX, after crediting my regularly scheduled payment, plus {XXXX extra towards principal, my outstanding balance suddenly jumped : Bp Curtailment {XXXX  Billpayer Pymt {XXXX  Principal XXXX Interest {XXXX} Additional Info PAYMENT BALANCE AFTER {$61000.00} this reflects an INCREASED balance owed, even after the XX/XX/XXXX payment of XXXX. 

Please note the bank split appropriately the regular, minimum payment of XXXX} towards principal and interest, as it had all previous months. 

I made additional loan curtailment payments on : XX/XX/202XXXX XXXX XXXX XXXX XXXX Additional Info XXXX 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 XXXXXXXX Note that the bank arbitrarily credited my entire regular/minimum payments for XXXX XXXX XXXXXXXX SOLELY towards interest ; without apportioning that payment towards both principal and interest as it had done all months previously. 

I called the bank again on XX/XX/XXXX asking for a full and complete accounting of the payment discrepancies, including the XXXX balance jump to XXXX FROM the previous months balance of {$59000.00} ; to date no such accounting, corrections, or response, despite the bank 's published policy of correcting errors within XXXX business days. 

Since my next payment is scheduled as an ACH payment for XX/XX/XXXX ( also for XXXX for the regular, minimum payment plus the additional {$1000.00} principal curtailment, I called the bank today to find out exactly why no corrections, explanations, or response had been made since XX/XX/2023. 

Today I was told that because the loan has a high interest rate and because I am making additional curtailment payments to pay it off sooner, the bank arbitrarily and without notice or explanation decided to only credit my regular minimum payment solely to interest. 

This is in fact a contract violation as it is a penalty for prepayment, despite the contract stating there is no penalty for same. 

XXXX? 

I again requested the bank honor the loan agreement, void the random prepayment penalties, and provide a full accounting for all the payment discrepancies to date. They assigned me " request # XXXX. '' based on their denial to remedy this with my XXXX request, I am escalating this to you, especially because I am not the only customer whose agreements they are violating. 

Please help!!!!!!!
Product: Credit card

I had a credit limit of ~ $ XXXX, which has now dropped to ~ $ XXXX. Barclay 's was not authorized to make this change, nor did they provide advanced warning they'd make such change, nor was there valid justification to make such a change given no material change occurred in my credit score or report. Barclay 's, which has been found in the past to be complicit in the laundering of illicit funds from XXXX cartels, provided the following non-answer : " Upon review, our records indicate that your account shows that a significant portion of your available credit limit is not being used. To align with your card usage over the last 12 months, weve reduced your credit limit to {$7000.00}. A letter was also mailed on XX/XX/2024, regarding the changes to your credit line. You should receive the letter within 7 to 10 business days. 

While we believe this new limit provides appropriate flexibility for your future spending needs, you may request reinstatement of your credit line within 60 days of this letter. Log in to your account at BarclaysUS.com and go to the 'Services ' tab, then select 'Request credit line increase ' to complete your request. '' This is what a lack of financial regulation looks like. Banks unilaterally disaffecting a consumer 's credit.
Product: Debt collection

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.
Product: Checking or savings account

I received a brochure in the mail stating if I open a checking account that I will receive {$350.00}. It said I only needed {$50.00} to open the account but an average of {$500.00} needed to be maintained. So I specifically went into 2 branches and asked the employees if I opened with {$50.00} would I receive my bonus. They both told me yes. The branch I actually opened it at on XX/XX/year> the young lady 's name was XXXX ( one of the employees who told me I would get it ). So about 90 days later, I'm expecting my {$350.00} to be added to my account and it wasn't. I called the branch I opened it at ( XXXX on XXXX ) and the manager there told me I didn't meet the requirements. I asked how and she said you didn't meet the {$500.00} requirement. If you look at my account, I had a direct deposit in the amount of {$250.00} twice which gave me a total of {$500.00}. Had I known I had to deposit it the first day, I would have but I didn't because the two employees told me I didn't have to. Also the brochure was confusing, stating I only had to open with {$50.00}. I feel this was false information which caused me to miss my bonus. If you look at my account I have kept an average balance of {$500.00} since I opened the account in XXXX. My intentions were to turn it into a cd.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion onXX/XX/XXXX because I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I do not owe this debt. XXXX XXXX is not mine.
Product: Credit card or prepaid card

I scheduled my payment with the automated system multiple times but it disappears before posting. Same system as always, just not posting any payments. Very convenient time of year for their system to suddenly stop posting payments when credit balances are probably maxing out.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

I applied for a credit limit increase on XX/XX/XXXX. On XX/XX/XXXX, a denial letter was mailed. The letter states that I am currently enrolled in a payment arrangement program with a credit card issued by Citibank , N.A . or one of its affiliates. I am not enrolled in such program. I did have a card closed in XX/XX/XXXX, however, the balance has been paid and shows {$0.00} balance on my credit reports. I called the phone number listed on the letter ( XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX, ET are the listed  hours ). The first person I spoke with stated that they would transfer to some who would discuss with me and provide a more detailed explanation. The person that I was transferred to said that they would have to transfer me to another person for an explanation. I asked for a direct number, rather than a transfer, and she stated that she could not provide me with a direct number. She transferred me, when she did, I was placed on placed on hold, and then a short time later the call was hung up. Citibank is not willing to make it accessible to speak with the correct people to provide an answer more detailed than the mailed letter.
Product: Prepaid card

amex gift can not be used anywhere online. it is well documented that these amex gift cards are rejected by 100 % of all online commerce sites.