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

Its disturbing that I have to file this complaint! I do have a current complaint in progress regarding this issue but this is an important update that greatly affects the other complaint and its resolution. My other complaint is in regards to the balance of the loan! I had to pay {$11000.00} in repairs for the vehicle purchases at DriveTime! It was over a year period but all stemmed from issues in the very beginning, I just had to do my best to repair the issues as I could afford it. But the repairs should have been covered under the XXXX  Day dealer warranty that comes with the purchase of the car. Within XXXX weeks I had warning lights on the dash and I called DriveTime and spoke to the XXXX who sold me the car. He told me to call XXXX XXXX XXXXhe warranty company! They told me to take my car to XXXX transmissions, XXXX was an in network repair facility. They did start a claim! They were waiting on approval from XXXX  This is XXXX  days after purchase of the car. So within the XXXX  days! They had the car for a week. They called me and said that the mechanic thinks it is best the car be serviced at a XXXX dealership! That was how serious it was. Now were at XXXX days! I was able to drive the car myself home! I made calls, then the car was XXXX! A major oil leak in the cooling system was causing the engine to overheat. I couldnt drive more then a mile. On the XXXX day I found a XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, had vehicle towed there! They did diagnostics and it was a lot! They started a claim with XXXX XXXX, XXXX XXXX didnt respond until the XXXX day and only covered {$1200.00} while I had to pay almost {$4000.00}. They deliberately stalled until after the 30 day mark and Blamed the dealership for not calling in. But I had already had a documented claim within the XXXX days! Ive been in an ongoing litigation since. So XXXX thing I will point out real quick is while my car was at XXXX per DriveTime by mileage was XXXX and I remember because the lady said she didnt want to tell me the mileage because of the XXXX. So fast forward to XX/XX/2023. I have XXXX insurance! Which gives us free XXXX reports! I get an alert asking how was the service I just received at XXXX that was a maintenance inspection and whatever! But I didnt have my car serviced there. There was an alert generated because odometers can not be alerted! So it read XXXX last known to XXXX. I called and they stated they were called by XXXX XXXX  to alert records that would not show that I was there within XXXX days in order to gain a benefit to themselves. These records would fully prove my complaint and hold them reliable. They are deceiving the CFPB and me the consumer
Product: Credit card

I have file a dispute XXXX times with Experian. I have also called XXXX 3 times. They told me evertime that they have submitted to Delete it from my credit report all 3 times. Experian credit bureau havent fix the problem of deleting in the XXXX times I have dispute with Experian XXXX times. The dispute keep saying Remains. The other XXXX credit bureau have fixed and removed it from my credit report but not Experian. This account having been paid in full and close but it shows potentially Negative account with its not. Its need to be removed of fixed of I will fall a lawsuit against Experian.
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.

1. XXXX XXXX XXXX XXXX {$480.00} 2. XXXX XXXX XXXX {$200.00} 3. XXXX XXXX XXXX XXXX XXXX = {$110.00} 4. XXXX XXXX XXXX XXXX XXXX = {$170.00} 5. XXXX XXXX = {$950.00} 6. XXXX XXXX  = {$300.00} 7. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

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

About a month ago, I was approved for a discovered card. I received the card, as the already approved me, and used it. Within 3 days, I wanted to finish setting up my online account but fond an error message to call some 855 number. I also received an email stating that discover needed to verify my XXXX idententy, or something like that. I miss managed the form and immediately called to have it re-sent to me, she said it would take a few days to update my account. I IMMEDIATELY filled this 'previous ' IRS address. I filled it and sent it. 

This morning, I received an email that my account was closed! I contacted the chat link, but all I got was 'you will get a letter in the mail '. I asked the chat person if DIscover needed a DNA sample, or what?

1. DISCOVER ACCUSED ME OF STEALING MY OWN IDENTITY! This is humiliating. And they do not know that as a XXXX VETERAN with XXXX, the simple act of 'calling ' IS NOT something I do, yet I did, as a responsible costumer. DO THEY WANT MY MEDICAL RECORDS? I can prove my XXXX! 
I provided all my information to the best of my knowledge in full honesty. I am me!

2. I wasnt even given a chance to make payment before DISCOVER CARD affected my credit reports! Now I have a suddenly, closed account that dropped my score. DISCOVER CAUSED ME CREDIT HARM!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX GA XXXX XXXX D XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX  XX/XX/XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have student loans appearing on my credit report and I've disputed this issue multiple times, I was incarcerated when these loans were taken out. I've submitted the necessary documentation in order to prove that numerous times to no avail.
Product: Checking or savings account

This letter that was sent to me wile Citbank, NA was open dated XX/XX/year> Dear XXXX XXXX XXXX XXXX you for contacting Citibank regarding your participation in Promotion XXXX, which offered {$300.00} if certain terms and conditions were met. 
We have confirmed that your account has met the required terms and conditions to qualify for the above promotion, therefore a credit in the amount of {$300.00} is being processed to your account in fulfillment of the promotion and will be reflected in your balance by XX/XX/year>. 
If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at XXXX. 

This was a letter that was sent to me twice. False expectations and false promises. 
They didn't live up to the Bargain. When I met the terms and conditions. Now they're saying the Accounts closed. When they lied and did not meet up to this letter sent to me. These are excuses and I did meet the criteria and did receive Mutiple direct deposits.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my credit report from Barclays. I contacted XXXX and was referred to contact Barclays direct for a deletion letter. I contacted Barclays and was told that they couldn't send me anything because they didn't see an application on their end.
Product: Mortgage

Citizens Bank sent me a " Home Equity Line of Credit Statement '' dated XX/XX/XXXX for my HELOC held with them. The " Home Equity Line of Credit Summary '' on this statement indicates a " Corresponding Annual Percentage Rate '' of 4.050 %. 

However, online - the Citizens Bank website indicates that my " Interest Rate '' is 2.55 %. 

Also, I referred to my " Home Equity Line of Credit Agreement '' for this account dated XX/XX/XXXX and it also indicates that my interest rate for the statement dated XX/XX/XXXX should be 2.55 %. 

This discrepancy results in a difference of approximately {$130.00} in favor of the bank. 

I attempted to call the phone number provided on the statement, was put on hold and then the call was disconnected after six minutes. I then called my local branch, was put on hold and then that call was disconnected after nine minutes. 

I then attempted to email the bank, but their website does not allow email inquiries related to this issue at this time. 

Please help me obtain resolution for this bank error. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has led to unauthorized credit inquiries being made on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent inquiries from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

On XX/XX/23, I mailed a request to OneMain requesting the required disclosures per to 15 USC 6802 that will give me the option to opt out from their company from sharing any of my nonpublic & private information to any non-affiliated 3rd parties and i ask for the instruction to how I can exercise this option. On XX/XX/23, I received an incomplete response to my request. They indicated that i can not exercise my right to what they can share or that i can not limit what they can share. And that's not what 15 USC 6802 states. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure Option. 

As of 15 USC 6802 3 things was supposed to be provided to me by OneMain BUT neither has happen.
Product: Debt collection

On XX/XX/2022, Medical business bureau added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Medical business bureau has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other or instrument bearing my signature
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fraudulent accounts from my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

Immediately upon viewing my Janauary 2016 Chase Freedom Credit Card statement around XXXX XXXX, I called the credit card customer service concerning an unrecognized account activity of {$1200.00} dated XX/XX/XXXX16- Agent Fee Travel Service. When I spoke with the representative, he asked me if I purchased an airline ticket on that day, I checked my records and saw that I purchased a ticket to XXXX CO for {$360.00} with " XXXX '', However, there was an overchange of {$840.00}. The rep. told me that they can not assist me because I had given the merchant authorization to charge my credit card and it did not matter the amount. He said I had to take it up with the merchant. I followed his instructions which was unsuccessfull even through they admitted that they made a mistake by overcharging me {$840.00}. On XXXX/XXXX/16 after speaking with someone who had a similar experience and whose credit card company assisted them, I decided to call them back immediately. The representative told me that the time had passed for me to file a complaint and there is nothing that they could do. I am highly upset because if I was given the correct information when I first called in XXXX I would not be going through the frustration and headaches that I 'm going through to this day. I asked to speak with a supervisor on that day and explained my frustration, she advised me to write a letter explaining what happened, including the dates, individuals and copies of all correspondents with the merchant and the fact that a supervisor of the merchant company admitted that they over charged my card. Again I followed their instruction. On XXXX XXXX I received a reply from the credit card company stating that the charge remains valid due to the significant amount of time that has passed, and the merchant unwillingness to honor their request.
Product: Debt collection

I requested to see how this debt was validated on XXXX through Transunion for the debts listed below. On XX/XX/ the disputes were once again updated as verified with no information provided as to how it was validated... 

XXXX XXXX- Account Number XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX - $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX- Account Number XXXX - {$270.00} - XXXX
Product: Debt collection

Company is calling XXXX times per day from a blocked number. When I do n't answer they fail to leave a voicemail. Also, these calls are everyday even though I have already set up payment arrangements with the company.
Product: Credit card or prepaid card

Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money
Product: Mortgage

In Shellpoint 's response, Shellpoint stated that I did not have any proof of the Removal Of Escrow. Attached to this complaint is the proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ XXXX, XXXX, and TransUnion ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ). 

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing. 

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been closed out and paid and they are submitting 90 day missing payments months after being closed Credit fresh made arrangements too close and paid they are submitting missed payments
Product: Checking or savings account

Made a deposit at XXXX XXXX XXXX XXXX and received a error message saying they couldnt return the money to me or my account, the bank was still opened and offered no help as to why this atm took my money and when I would receive it back. The actions will now cause me to be late on 2 payments.