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

The company name involve is XXXX  XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Finance a used vehicle : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Reach out to the company the next day which was XX/XX/XXXX to Unwind deal which they said they cant do. I also brought up the Contract cancellation option agreement stating i can return the vehicle back by XX/XX/XXXX XXXX or a mileage less than XXXX. This is something that can be chooses between Accept and Decline. When signing paper I get I have a responsibility of Reading what i sign but Iam a first time buyer. I didnt know what i was doing/ signing for nor did the finance guy explain what i was signing for. He told me to sign everything that had the highlighted portion so i did. I did realize within the highlighted proportion i was given option until the next day. 

I contacted today ( XX/XX/XXXX ) again to reach out that I can not Insured this vehicle. I was unaware when leaving the lot to home that the vehicle wasnt insured. After many attempts on finding low insurance. It was hard to find insurance company to accept me. 

As of right now I can not insure this vehicle and if so I can not afford it. Insurance offer to me is more than the actual payment of the vehicle. Insurance looks like XXXX. My payment for the vehicle is XXXX. 

I honestly gave every correct information on gross income and everything when looking for a car. 

I came in to the dealership to buy another car that i kept in contact that they had but when i went they said they sold it when i got there but they have other options than proceed to sell me a car that was 2 time better than what i came in. Iam XXXX XXXX  of gon na take on a XXXX car payment which if i want to drive gon na have to seek ridiculously amount of car insurance on top. 

There should be a law or something in place for a certain age to look at vehicle or buying a vehicle for a certain price. Like maybe an authorization. Again Im XXXX XXXX XXXX, first time buyer. I liked the car but realize it was a mistake. Tried everything to unwind the deal and give them back their car but nothing happened. I did a trade in for my other car. I would like to give back there car and them to give me back theirs. 

I mess up I realize and i need help. These people there were the nicest people they were very pushy and i was definitely taken advantage of. I need help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My Experian and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Student loan

On XX/XX/XXXX, I made a full student loan payment to Edfinancial for {$16000.00}. This initial payment was never debited out of my bank, yet Edfinancial 's portal showed that this payment was received. My bank confirmed that this payment never went through, and that I should try to initiate the payment again. The issue is that I was not able to re-initiate these payments because my portal did not update in a timely manner.

I checked my portal a week later, and I saw a payment reversal of {$9800.00} show up for XX/XX/XXXX. 

I called Edfinancial and they could not tell me why my payment was reversed, but they could see that my remaining {$7000.00} was received. This was not the case, as later, I would see a payment reversal for XX/XX/XXXX for {$7000.00}. 

The main issue I experienced was inconsistencies with when the payment balances were being updated. If my payment reversal was shown immediately, I could have actioned payment sooner. Entries of XX/XX/XXXX payment reversals were not shown on XX/XX/XXXX. These entries came up almost a week later, therefore making it impossible to pay off these balances in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I want someone to explain WHY I can't log into my account, or access anything? It's giving fraud & scam. I want someone to explain why my credit score in your records is XXXX near XXXX less than XXXX and other reports. I have an issue that for over 10 yrs I have had continued issues with contacting and getting a live person, and the fact that you're a credit reporting agency and my XXXX IS NOT CORRECT burns me to my soul ; flames of fire as my chest gets tight from irritation. There's absolutely NO REASON, why I should have this many issues for this many years ACCESSING MY OWN PERSONAL PRIVATE XXXX INFORMATION. I shouldn't have to harass anybody, to correct update or fix XXXX. 

I want direct contact to a manager, & corporate contact information. It's giving XXXX discrimination, & purposely not updating my credit report to match or reflect the truth. I like lawsuits, & have been MORE than patient.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two {$50.00} XXXX XXXX & XXXX XXXX Gift Cards from retailer XXXX at their store in XXXX, LA. The cards were purchased using my Chase Sapphire Checking Account Debt Card at one of the self-checkout registers. The transaction posted to my bank account but I found out days later when I gave the cards to a family member that the cards were not activated. 
After checking my XXXX  receipt, it shows on the line item details, Invalid Barcode but it still allowed me to pay for the gift cards without activating the gift cards. 
I have been back to the retailer 3 different times now to try and resolve the matter, each visiting taking an hour or more. I have been referred to XXXX gift card customer support department by XXXX  customer support department and viceversa. Both companys support representatives say that their is nothing that they can do and that it is the other retailers responsibility to fix it. 
Today, I went one last time to the XXXX  store which I purchased the gift cards and asked to speak directly to the store manager. She was unable to help me and then sent out the Asset Protection Supervisor ... ..his name is XXXX and his statement was, There is nothing we can do to fix this for you because it shows that the transaction went through our system and if the wrong barcode was scanned it shouldnt have let you complete the purchase. 
After showing him that the receipt indicates Invalid Barcode and the transaction being completed dispite the wrong barcode being scanned, he said I dont know what to tell you. There is nothing that we can do. I asked to speak to his supervisor, and he said that his supervisor, XXXX, wasnt working today ( XX/XX/XXXX ) and to try back Monday at XXXX. 

I can not get my money back, and even though I no longer need the gift cards, I would still accept XXXX  issuing me new gift cards or activating the ones that I paid for. 

XXXX  Reciept ID # : XXXX Purchase Made with Card Ending in XXXX Card Holder Name : XXXX XXXX Amount of Purchase : {$90.00} Time of Purchase : XXXX CST Date of Purchase : XX/XX/XXXX XXXX  Store : XXXX XXXX XXXX , XXXX, LA XXXX XXXX Store Phone # : XXXX *Note - I was only charged {$90.00} for two {$50.00} Apple XXXX & XXXX XXXX Gift Cards because XXXX was offering Buy One get the second One 20 % Off, which was a discounted value of {$10.00}.
Product: Debt collection

I went to the ER at XXXX XXXX XXXX after being XXXX as a pedestrian. I paid the bills that XXXX sent me. Receivables Outsourcing, LLC sent me a letter to collect. I asked for a printout of the charges which they sent me. I called XXXX and talked to both of their billing departments and they both said I have no outstanding debt. I called RO LLC and they refused to talk to me without me giving them personal information. I refused to give them my information until they can verify the debt is real from XXXX.
Product: Credit reporting or other personal consumer reports

I have 8 inquiries on my account that I would like to be deleted I did not authorize these companies to run my credit this is fraudulent.
Product: Mortgage

During XXXX  under XXXX, tenants were not paying their rent, and I was unable to make the monthly mortgage payments. I called the bank ( Select Portfolio Servicing Inc. ) and asked what could be done on my part as well as on their end to help me. They sent me some forms to fill out and return, which I did. Around two weeks later, I called them to find out the status. At this time was informed that I was not protected under XXXX rules/regulations. This was due to the previous help they provided, allowing me to add the amount I owed onto the back of the mortgage ( {$57000.00} which they said included principle, interest, and penalties ). During this period I was informed that if I didn't make a payment of {$40000.00}, they would be foreclosing on the property. It was at this time that the tenants had applied to XXXX XXXX  to pay their back rent. I accumulated approximately {$40000.00} that I sent SPS Inc to avoid foreclosure. I received the yearly 1098 figures, and I found that I had paid the bank {$23000.00} in interest for the year 2022. I believe that this is an excessive interest charge, due to the rules/regulations set forth by XXXX XXXX since we were not permitted to charge late fees. I believe I should have been been protected during COVID, regardless of previous help provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I never had any account with XXXX XXXX and can't recall opening any loan with that company.
Product: Checking or savings account

Hi, Bank of America deposits into my account {$6700.00}. But the actual claims was {$19000.00}. I'm still short around {$12000.00}. The Bank of America still has my fund in the amount of {$12000.00}.
Product: Mortgage

My loan was purchased by Nationstar Mortgage LLC and they later stated that they did not have my home insurance escrowed as it was with the previous lender, XXXX XXXX XXXX. I had to pay my home insurance out-of-pocket. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.
Product: Debt collection

Sent me a letter threatening to garnish my wages without showing me any type of verification of a contract between me and them. And further more the supposed debt is 20 years old and the of limitations to collect in the state of Kansas is five years, furthermore I reside in the State of Texas, which means by law I fall under the state of Texas not Kansas. Which theirs is five years also which means the statue of limitations has expired and them trying to collect on such a debt is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, XXXX, and Transunion is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXX, XXXXXXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX multiple overdraft fees i have incurred. Despite have sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits. This issues aligns with the CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I requested my credit report from all three credit bureaus over two months ago. I have not received a response from Experian or XXXX. And I can not find a number to call. Onlly a place to request all three reports on the internet. And I know both XXXX and Experian have incorrect information on my records.
Product: Debt collection

I kept getting notices in the mail for an unpaid invoice of XXXX & After i went to the company they explained that an amount of XXXX $ I owed after using store credit based on a bundle of stuff i bought, and then returned, so i paid XXXX $ and added the XXXX $ to their credit card ( synchrony ) since i have an account with them, after multiple visits to the showroom the re assured me that i wont get any more notices. today i get in the mail a noticr from a debt collector!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?
Product: Debt collection

Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting 2 inquiries on my report that are inaccurate. These inquiries are hurting my credit score and hurting my ability to get the credit lines I should.. The Fair Credit Reporting Act indicated that all information on my report must be accurate, verified and deleted if inaccurate. The following items need to be deleted as well as my reason for the deletion. 

XXXX XXXX -- -- XXXX XXXX -- -- NO account and not a permissible purpose. 
XXXX XXXX -- -- XX/XX/XXXX -- -- I do not recognize this as an account. 

Please assist me in getting these items verified and ultimately removed!
Product: Debt collection

On several occasions, including most recently on Tuesday, XX/XX/year>, I have informed Fair Collections & Outsourcing with offices at XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX that they are attempting to collect debt from a landlord tenant matter that is owed by XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX I have provided them with a copy of my drivers license showing my legal name and address with a letter explaining that theyre confusing me with a deceased relative with whom i share a similar but NOT identical name. Fair collections & outsourcing continues to verify this debt as valid without any basis to prove it or significant investigation. Ive proven to them its a matter of a similar name but they continue to violate my federal rights regarding consumer protection by reporting this inaccurate information on my consumer credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a requesting to know the source of bankruptcy for my Transunion credit report on XX/XX/2022. Per the tracking # XXXX it was delivered on XX/XX/2022. I have received no response and today date is XX/XX/2022. I have mailed a second response on XX/XX/2022 with tracking # XXXX that was delivered on XX/XX/2022. Im opening this compliant to elicit a response. Both were mailed to, per your website : XXXX XXXX XXXX/transunionconsumers/ LCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to know are you the owner of the original debt?

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

Using Experian is a hassle they dont have a system set up too where you will be able to speak with customer service their automative system send you through loopholes without ever being able to resolve the problem check your credit score or do anything within the app changing your number and having the old one connected to your account is one of the worst they dont give you a option to change it only verify your identity through the old number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/year> Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, TransUnion XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.