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

From the first week we attained our loan from Credit Acceptance and drove our Vehicle off of XXXX XXXX XXXX XXXXXXXX Lot we have had continual issues with the vehicle, we were denied use of the additional services we paid {$2500.00} cash for, the warranty was fraudulently sold and unusable due to the state of the vehicle and the parts on it at the time of purchase. We are being charged XXXX in interest for a XXXX loan? We were not shown many of the deceptive things that are in our paperwork. XXXX XXXXXXXX XXXX  the sales women at XXXX XXXX XXXX was deceptive from telling use the car warranty was included in our loan and that the change in the cars price was due to a higher interest rate. My husband nor myself had jobs upon purchasing the vehicle. We contacted the bank telling them that we could not find anyone to take the warranty and if they could help. They said unfortunately no. The warranty company could not supply a list not could the dealership. The dear ship. We finally found a shop and the car sat for 7 months. XXXX XXXX approved the car repairs but we had to wait for them to inspect our truck. They never came repeated calls from the mechanic. We called the bank- they refused to file a complaint told me that if I had a lawyer they could speak with she would file a complaint. no lawyer no supervisor, no escalation. no complaints. XXXX XXXX XXXX refuses to return phone calls and XXXX XXXX denies repairs that care covered under our warranty. The three companies are working together to defraud Americans. They have completely destroyed my families finances. It took us 6 months to find someone to give us a loan after our transmission blew. I was XXXX with XXXX kids. My husband and I had no car and signed a loan with credit acceptance to purchase a vehicle from XXXX XXXX XXXX  with a warranty and a 22 percent interest rate. How is it XXXX for XXXX loan I gave them XXXX cash upfront? I cant leave my house and my trucks been in the shop waiting for someone to pay for repairs for 15 months. the truck is still there in pieces as XXXX XXXX told the mechanic to dissemble my truck. the three companies are working together to deceive buyers. WE bought a XXXX vehicle, paid XXXX cash and ended up with a XXXX loan from credit acceptance. For a truck that was inoperable after 3 months of ownership.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Vehicle loan or lease

I signed a loan in XXXX XXXX XXXX for a car loan. This loan was through XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I was told I wouldnt be able to finance a car that day because I had no credit. XXXX XXXX claims they accept everyone, even people without credit. I was told I needed a co-signer, so I got XXXX. I was young and just crashed my car. I needed a car desperately. I got wrapped up into a high monthly payment. When going over the loan paperwork only my co-signer was spoken to and was given a break down. Not me. Now Im trapped in this loan, I either have to ruin my credit or keep paying this high loan every month. I cant keep paying with sacrificing my well being. Nor can I keep up on maintenance on the car if I keep paying this loan. The dealership and credit acceptance didnt take the time to listen to me, they even signed the contact with the wrong email. I had to call credit acceptance to change my email and number. My co-signed also wasnt required to put his email. They instead let home just use my email. I have limited ability to contact my co-signed also. So I struggle to even get him off the loan so I can try and trade it in. Any course of action I take will result in my credit going down, having no car, or keep paying this car XXXX cant afford.
Product: Bank account or service

Date : XXXX/XXXX/16 Description : DEBIT CARD DEBIT WESTERN UNION XXXX CO Ref:XXXX Auth:XXXX PurchDate:XXXX ( Directly from Bank Statement ) I spoke with a representative on XXXX/XXXX/2016 and was advised that WU had no way of tracking the transaction. I say stop lying to WU valued customers. The Ref. # and Auth ; Code along with the dates of the transactions should be enough to track any transaction ( it is the only information provided to the banking institutions ). The Ref. # and Auth XXXX Codes are provided to the Banking Institution and recorded to the customers bank account statement. Once a customer confirms and deny making the transaction WU 's tracking process should allow WU to verify the transaction was processed ( based on Ref. # & Auth ; Codes provided by the customers ) and a refund to the customer should be immediately processed. WU should then follow up with an internal investigation of who, when, where and why was the transaction ever processed. 
I have experienced this very same unauthorized fraudulent transaction before and it need to be immediately corrected. My last experience resulted in several months lost in the use of my funds due to a WU system process error that I am told can only be tracked by a transaction code that was not assigned to these specific type unauthorized fraudulent or suspect transactions. 
There is a glitch in the WU funds transfer system that due to the method or process of tracking based on a tracking code only. The error correction process delay of up to several months is suspect and open to potential illegal employee thief activities. While the injured customer is neglected the use of their personal funds and has no recourse in acquiring an immediate refund or even be compensated for the delay in the refund process. 
WU has a glitch and or a crook functioning in its funds transfer system that needs to corrected and future customers are immediately refunded and compensation to the customer for the delays ( use of funds ) in the refund process wo n't eventually become necessary.
Product: Debt collection

i request information with my signature the original credit card company XXXX XXXX XXXX send me copy of the documents and the the signature do not match my signature the debt was sold to united holdings group i contact that company and no respond that company want me to pay that debt that do not belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a wrong info on this report and inaccurate information on Experian. The other two companies XXXX and XXXX has already removed this erroneous account from my report, for some reason Experian will not budge. II have sent them over 10 letters to supply the documents proving that what they report is true and they have refused to do so. yet Experian will not delete the account off my report even though they are not following the law.. They will not send me proof of there reporting. 

XXXX XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Lease Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$7000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CO CO CO OK OK OK OK OK OK OK OK 30 60 OK OK OK OK OK OK 30 OK OK OK OK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Debt collection

On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

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

Equifax has leaked my personal data due to a flaw in their security. They have provided me with a solution that requires me to relinquish my rights to take legal action against them for any wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 Voluntary repossession, Vehicle was resold Account is closed & remains on my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, I bought Solar Panels for my Home after being Solicited at Home from XXXX XXXX XXXX, a Solar Company that also does Business as XXXX XXXX. I paid {$55000.00} for this and I was led to believe that these Solar Panels would Save me Money on my Electric Bill Monthly, and that I'd be able to Sell Energy Back to my City. Well in two years none of this happened at all, My Electric Company XXXX just told me this week that they not even registering my Panels. So they haven't been working for this whole two year period. Not to mention that I got a letter from The District Court of XXXX XXXX XXXX, that this company XXXX XXXX XXXX has filed for Bankruptcy! What? So now there's no company for me to get these problems resolved. They sold their financial accounts to another company called LoanPal, then LoanPal sold to Goodleap, Now Goodleap has raised my bill over {$100.00} more a month to {$350.00} a month. And on top of that, NOTHING IS WORKING, I haven't saved a Dime. Now they are in Bankruptcy and think that I'm going to continue paying for this XXXX System that No One is Accountable for now. NOT! 

Now Goodleap is calling me everyday, asking for payment, I'm NOT Making anymore payment on this with all due respect. I want this off of my Home ASAP. XXXX XXXX XXXX Sold their Accounts and I don't agree to go along with anything else, I want this contract with Goodleap Terminated Please, The Account Number XXXX XXXX XXXX. This is on my credit and I do have Excellent Credit and I feel they shouldn't be able to report this in this situation. But they don't seem to care, all they want is they money, and i'm not sending them anymore money for anything. So Please Help me put a Stop to Good Leap calling and emailing me about payments. And have them to stop this account because all of this is fraud. 

Thank You
Product: Credit card or prepaid card

Hello my Name is XXXX XXXX XXXX. I started Edd in XX/XX/XXXX. However my payments from edd retrowed back to XX/XX/XXXX. I never received my Pre paid card so i called the bank of america they said they would sebd a new card. When i asked my balance. They said i didnt have any money on my card. I explained how can i spend it if i never got a card. XX/XX/XXXX i filed a claim for {$14000.00} XX/XX/XXXX the bank posted provisionals XXXX. I had to XXXX XXXX money to myself no card. So XXXX XXXX comes and this Bank freezes my account and takes all the money back plus what i didnt left in the account after XXXX  XXXX  and puts me negative XXXX XXXX comes and my ckaim pays i rec letter but they never posted the funds. They state that there were duplicate claims and removed {$700.00}. Mean while all my edd pymts are still comeing in and paied down tjis nrgstive balance which in truth the numbers dont add up. The finaly paid me {$14000.00} and XX/XX/XXXX it paid off a negative balance of XXXX which is wrong should have been - XXXX. I never got anything back never got XXXX of my edd payments and they still wont post my claims thst have since paid on XX/XX/XXXX {$3500.00} and {$4800.00} XX/XX/XXXX. Its been 6 months now. They have sent me letters that the funds posted but the credits they posted were credits the doubled dipped on and took out 2 times on 13 amonnts. And other credits were money they over took when they took provisionals out. What can i do. I cant get help. My govenors office has called states assembly has called still no money. My email is XXXX. my phone # is XXXX. Please help me
Product: Money transfer, virtual currency, or money service

XX/XX/2021 made a XXXX $ XXXX  transaction to an email not realizing it was a scammer. Then bought 4 gift cards of XXXX $ and sent it to the same person the same day and called the bank of america customer service and said they could not help me with refunding the money. Its really upsetting because i have never been scammed before in my life and the fact that the bank could not help me get my money back is frustrating they just locked my account and theres no way i can open it again and i need it to pay my stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX received a Chex systems consumer report stating account abuse with XXXX XXXX XXXX  XXXX XXXX account number XXXX. I have never done any business with this bank nor tried to apply for bank account with this bank. I wrote a letter to Chex systems explaining to them that they have wrong information about me. Chex systems did an investigation and sent me a letter back saying that this account with XXXX XXXX XXXX  XXXX XXXX was listed on my consumer report by clerical error and that they will remove the account. As of today XX/XX/XXXX I checked my Chex systems consumer report and this account is still on my consumer report and is the reason I was recently denied a checking & savings account. I would like for this to be removed from my consumer report and I want justice for this negligent misconduct on the part of Chex systems. I looked up XXXX XXXX XXXX  XXXX XXXX and they do not even exist, they do not have a phone number or website. How can such a gross misconduct be done by Chex Systems?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Credit reporting or other personal consumer reports

Equifax for failing to thoroughly investigate disputed accounts on my credit report and not providing supporting documentation on how those accounts were investigated. Despite disputing several accounts, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I have not received any evidence or explanation regarding how these disputes were resolved.

Equifax has not complied with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires a thorough investigation and notification to consumers about the results, including supporting evidence. Furthermore, FCRA Section 609 entitles me to receive documentation about how the accounts were verified, which I have not received.

I am requesting the CFPB to investigate Equifaxs failure to comply with the FCRA
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX TransUnion : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of Georgia on the XXXX day of XXXX, 2024. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court of XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law any my rights as a consumer. These are the ACCOUNT I have requested to be investigated. XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX/ ACCOUNT # XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX / ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of Ed/XXXX.