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

XX/XX/2023 my car was repossessed I paid to get the car back and when I picked up the car, the car will not start the person at the yard jumpstarted the car and I noticed when he brought the car out that the interior was damaged, everything was all over the place and trash and look like someone was trying to find something in the seats, I told them that I was going to get the car back. I was just waiting on my job to backpay me. The guy on the yard me to call the company and I can file a claim. I called the company and was directed to another part of the company, I left a message with that company and Ive tried to call again, but I was directed to another part of the company, etc. Months past still no response they told me to fill out a form and email them a picture of it, so I did, but still no response the holes that were put in the seat have grown overtime for me having to use the car to drive to my job. The only time I hear from American Credit Acceptance is when my bill is due. I reached out to the dealership XXXX to let them know that the car that they sold me was bad in the beginning and the same issue is occurring in present time, I asked the manager at a location can they buy the car back and he told me yes. I had it towed to the dealership and to finalize the decision I ran into another problem, I spent numerous of dollars trying to figure out the problem with the car, but still not fixed. I tried using XXXX to diagnose and fix the car but XXXX XXXX didnt make repairs to be needed but told XXXX that the issues didnt need to be fixed at that moment, but will be a problem later down the line so they didnt authorize them to fix. This is the second car that I got from XXXX that had issues. The first one the engine light came on the same night that I purchased it and I took it back and got my money back. I gave them another chance to give me a reliable vehicle, but they disappointed me again. Now the American Credit Acceptance dont want to respond so I can get my claim in after almost a year of trying but they want me to continue and wont put a hold on the account. And I no longer have the vehicle XXXX does
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX  Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021.
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. XXXX Account XXXX XXXX, violated my rights. account is too old to be on my report. 

XXXX and XXXX already removed this account from my credit report.
Product: Mortgage

This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX XXXX Bank in the amount of {$580.00} I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account has also been sold to a collection agency The name of the collection company is XXXX XXXX and the collection amount is {$580.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint, against EXPERIAN ( Credit Reporting Agency ), also known as XXXX, after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. 

The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Experian. : XX/XX/XXXX : Dispute Letter to Experian, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

XX/XX/XXXX : Response from Experian. Experian responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. 

I wrote to the reporting CA requesting validation and received no valid response XX/XX/XXXX : Letter to Experian, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XX/XX/XXXX : Response from Experian, notifying me of VERIFICATION of this account. 

They made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. 

In a phone call with Experian about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. 

This unknown medical account appears ONLY on my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOE/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

On XX/XX/2022 I was checking my account online and seen an unknown electronic withdrawal pending for {$810.00} I call my bank and was sent to fraud prevention I asked him to please put a stop payment on the company and not allow this transaction to go thru .. that was successful but in turn I was paid my direct deposit {$4400.00} the next day my paycheck and went to pay my bills and my funds where put on hold both my business checking account and my savings account, I called right away and was told I need to go into a branch and they could lift the hold but there where no notes attached to my account except Do Not Remove Hold and to contact XXXX XXXX XXXX XXXX XXXX  with any questions. Went directly to my main branch talked to my branch manager XXXX she looked everything up and could only send a message to XXXX so she did no response until XXXX and the response was to tell the customer ( Me ) to refer to my deposit Agreement that I signed when opening my account and that they have 30 days to review my account before releasing my funds. Nothing has been resolved I have called many more times and all I get is no one knows what to do or they can't do anything yo help me.. main branch has reached out to many upper management and to no resolve. I called again on XX/XX/2022 and talked to a man in my business banking department he said the hold was scheduled to be lifted at XXXX. I got online at XXXX and tried to withdrawl my funds and the hold was back on. Called in the morning and was told a new hold was put in place on the XXXX of XXXX. I have been given zero reasons for this hold on both of my accounts and I run a small business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is making it impossible to run my business and to pay my bills my mortgage payment is due no later that the XXXX and so my mortgage is going to be late along with all my other bills. I find this to be unexceptable and very unprofessional. There is no explanation of why my bank is doing this I owe them nothing and they are withholding my money from me. Thank you I hope you can help me resolve this. 
This is U.S Bank in XXXX Wa
Product: Checking or savings account

To my recent complaint to Capital One that it does not provide the same level of services to consumers who do not communicate via telephone, Capital One responded : " Capital One is committed to providing accessible products and services, and we believe in financial independence for everyone. We wanted to let you know that we can provide reasonable ADA accommodations as needed. Please know that one option for closing accounts by phone, is by speaking with one of our associates using a relay service. Keep in mind that you may also be able to use a relay service through the internet rather than telephone, known as Internet Protocol ( IP ) Relay Services. For more information on IP Relay Services, please visit http : //www.fcc.gov/guides/internet-protocol-ip-relay-service. We can also be reached using the free National Relay Service by dialing XXXX. '' Capital One response indicates a certain level of disregard to the needs of a minority group of consumers who prefer not to communicate via telephone neither by using vocal chords communication methods nor using any relay services or teletyping. 

Capital One representative responding to the complaint manifested arrogance and unawareness when addressing the issue. The alternative methods that Capital One representative suggested are not appropriate for all consumers and represent a significant burden for many of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud this account from XXXX XXXX is not mine
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Discover account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX Account # 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
Product: Debt collection

None of these catagories fit my problem. I have a collection from a credit card company, XXXX, of XXXX. I also have a collection company, midland funding, with the same bill, That means I have XXXX negative entries for XXXX debt. i find this absurb that this can be done,. I only found out because of other mistakes on my report that i was having fixed and just happened to see these XXXX entries one right after the other. Surely this is illegal,
Product: Credit card

On XX/XX/year> I went to a gas station to put gas in my car. The credit card I have is for gas, tires and brakes. However, I tried to charge the card, but it kept declining. so I check my app with the company and it states that my account is closed. im a bit confused and disgruntled simply because I just made a {$200.00} payment not even two weeks ago. I then gave them a call immediately after i noticed ( XX/XX/year> ) trying to see if Im able to dispute the closure or see if theyll be able to reinstated it but they said it was no option to do so. they stated that the closure happened due to returned payments. I had a returned payment of {$200.00} on XX/XX/year> however once i noticed it didnt go through i made another payment on XX/XX/year> for {$200.00} that posted! i had another returned payment on XX/XX/year> for {$99.00}, again i saw it didnt go through so i made another payment on XX/XX/year> for {$200.00} on XX/XX/year>. I then asked them to pinpoint where in my agreement does it say that my account would be closed due to returned payments, they couldnt do that. i asked is there any possibility of reinstating it or if we could come to an agreement, they recommended to send a letter to the head of the company but there was nothing they could do. im a loyal paying consumer and i havent even had this card for a year. i havent received any notice of this closure when the first returned payment happened. i feel as if there was definitely a lack of communication on their part and they are making me pay the price for it!
Product: Debt collection

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  Account # 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my checking account at Citizens Finacial Group in XXXX Ma was over drawn due to an automatic bill pay that I had set up to pay my XXXX XXXX XXXX via ACH by the XXXX of the month. On XX/XX/XXXX. I transferred money from my home equity line of credit to my checking account at citizens financial group to cover the overdraft but the original payment was automatically reversed by the ACH system managed by XXXX. I then set up a new bill pay to pay the bill which was scheduled to go out on XXXX. I login in to my mobile app on XX/XX/XXXX and saw two outgoing payments four the same amount. I called the Citizens bank and spent an hour on the phone with a rep who explained that the fiserv system will automatically retry to send the payment three times and it will cause an overdraft three times and there is nothing that they can do to stop it. On XX/XX/XXXX, I noticed that my account was still overdrawn and the second reversal of the transaction had not occurred. I called the citizens financial group today XX/XX/XXXX and have been on the phone for two hours. During this time I have been lied to, and misled and transferred and kept on hold only to ultimately have my call been rerouted back to the original main customer service queue. And I have been told that the line is recorded and that my original problem as well as my subsequent complaint was being logged so that the tech group would investigate what happened to. But when I called back and demanded to speak to a supervisor, she admitted that none of the four prior reps had logged the problem. She opened up a complaint ( complaint # XXXX ) and gave me a number to call back to track the complaint ( XXXX ). I was then transferred to the escalation department and spoke to the tech support manager ( XXXX ). Who said there is nothing that can be done and that I can not call XXXX directly to follow up. The other XXXX reps had told me that they couldnt call XXXX but that I could. I need help to get this problem resolved but I also need to formally file a complaint about the fraudulent And internal misinformation that I have been given by the bank representatives about how mobile pay and bill pay works at the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX  XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 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 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file dispute with the credit bureaus and XXXX did the job but Transunion is not doing theirs. I have two collections and I do not owe them any monies. They are XXXX XXXX ( acct # XXXX XXXX and XXXX XXXX XXXX ( acct # XXXX XXXX. I dont understand why XXXX  had deleted them but Transunion hasnt. I would like this matter solve quickly as for it is effecting my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion/XXXX after I purchased a credit report with XXXX on XX/XX/2023  and XXXX XXXX  on XXXX XXXX, 2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XXXX XXXX, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Late payment 30 days late will be removed.