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

I bought a XXXX XXXX vehicle on XX/XX/XXXX, which had problems on the fourth day after purchase. They made me sign the contract without explaining anything to me about what was in it. Their justification was that everything was for my credit approval. On XX/XX/XXXX, the vehicle was requested to be repaired on the XXXX day since it had overheating problems and an hgreg Manager told me that he would repair it for free since it was within the warranty period, at that time it was declared that the vehicle would be repaired for free since it was within the 5 days in which I could request a full refund of my money, they told me that the vehicle could be repaired that Friday, so on Monday they would contact me. They called me on Monday telling me that they would send me an address to go and leave the vehicle since it had overheating problems, I waited all day and that address never came, it happened on Tuesday and that's why I called again on Wednesday and just At that moment they gave me the address over the phone, on Thursday I couldn't take it and on Friday, XX/XX/XXXX, I called them because when I started the vehicle it still had the fault and I told them that it needs a tow truck, which they sent it to me on Monday. XX/XX/XXXX, since then I have never seen the car again until today, they told me that the only fault it had was the water pump that the vehicle would be repaired by XX/XX/XXXX, on the XXXX I They say that the vehicle had a failure in the head gasket that they requested and it would arrive on the XXXX, in that process I requested by email via text and call the return of my money since I did not want the vehicle that failed on the XXXX day of purchased, they do not give me a response and I go to the scene on XX/XX/XXXX to tell them that I do not want the vehicle, we cancel the contract and they tell me that the engine is damaged and that they are not going to be responsible for the repair, something that was never reported on. I believe that they damaged the engine while making the changes and since I asked for the refund they did that damage on purpose. I have a camera outside the house that shows that the vehicle was stopped. I assume that they did the damage when they changed the gasket. cylinder head, they damaged the car since engine failure was never reported until I personally went to hgreg they want to blame me for the inefficiency of their mechanics making me spend more money, they never told me anything about the extended warranty, they never changed the car 's oil, they postponed everything, I have more statements from people to whom they did the same thing and we are managing a class action lawsuit in addition to taking this to the media.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from PayPal, dated XX/XX/XXXX, stating that I was automatically being signed up for a credit card and that it would be sent unless I opted out via there website. As far as I know, it is illegal for someone to issue a credit card in your name without your consent. What if I didn't get the letter, or not in time? If this is not illegal - it should be. I'm sure I'm one of millions who received the same letter. This must stop. Please stop them from doing this.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME.I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE.PLEASE AND THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federal protected consumer privacy and confidentiality under 15 US 1681. 
XXXX XXXX XXXX  acct # XXXX, XXXX Acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section602 A states I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer 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

Re : Dispute of Credit Report Information, Request for Documentation, and Notice of Potential Legal Action Account Name : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report related to the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that you verify the information provided from your investigation is accurate and 100 % true. If you can not provide the mandatory documentation to support this, I request that you delete the account from my credit report immediately.

Specifically, I have identified the following inaccuracies on my credit report : 1. Date Opened Inaccuracy : The account information states that the date opened is XX/XX/XXXX. However, there is no payment history that reflects this information.

2. Date of Obsolescence Inaccuracy : The date of obsolescence for this account is listed as XX/XX/XXXX. However, my payment history indicates that the first date of delinquency is XX/XX/XXXX. 
Both of these discrepancies are violations of the FCRA, as they present inaccurate and incomplete information. I request that you provide the documentation that verifies the accuracy of these dates, including but not limited to : The original date the account was opened.

The complete payment history that aligns with the stated date opened.

The documentation that confirms the first date of delinquency and the correct date of obsolescence.
Product: Vehicle loan or lease

I bought a used XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX and I was been told by the salesman the total amount is {$12000.00}. I was asked to put % 10 down. I paid {$1200.00} down payment. So, I had a remaining of {$10000.00} left on the car. I asked for a paper and statement that said that. the salesman told me I would receive it in the mail. When I received the statement in the mail, Southeast Toyota finance sent me a bill of {$18000.00}. I went to the dealer and showed the salesman the {$18000.00} statement. .He said he will take off {$3000.00} out of it. He will send the paper to southeast Toyota finance to adjust it. What a scammer! In XX/XX/XXXX, southeast Toyota finance repossessed my car and I called the same day to pay off the total amount of the loan to get my car back. They refused to get the payment from me. They said, they will call me back in three days which they never did. They sold my car for {$9300.00}. Now, They say I have to pay a remaining of {$8000.00}. They reported a repossession in my credit! .Southeast Toyota finance and XXXX XXXX XXXX XXXXXXXX are fraudulent companies. They worked together to scam people. I wished I had read reviews before financing with that company. Other customers complained for the same situation They will give you a call back in three days to make the payment which they never did. Next thing you know they sold your car and they sent you almost or the same amount as deficiency. My car was sold for {$9300.00} without notice, and it could have sold for more. They say I have a remaining balance of {$8000.00} and more as of right now. They are still charging interest rate and fees and so on. Specially in this pandemic This company needs to be shut down!
Product: Credit reporting or other personal consumer reports

XXXX T XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XX/XX/XXXX CAF XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Request for Co-Signer Release from XXXX XXXX XXXX XXXX XXXX payments removal Dear XXXX XXXX XXXX XXXX I am writing to formally request the release of my responsibilities as a co-signer for the auto loan associated with XXXX # XXXX, held by XXXX XXXX XXXX XXXX Also I reached out to formally ask that this account be investigated for removal of late payments reporting on this account for XXXX : XXXX, XXXX, XXXX, XXXX During this time the original owner was facing financial hardships with her home, childbirth etc. However since then the account has been on time and up to date with payments. 
In accordance with the provisions of the Equal Credit Opportunity Act ( XXXX XXXX. sec. XXXX et seq. ) and the Fair Credit Reporting Act ( XXXX XXXX. sec. XXXX et seq. ). 
Since I co-signed for this loan on XX/XX/XXXX, the primary borrower has made consistent and timely payments for the past XXXX months. As per our agreement, I understand that I XXXX be eligible for release after the borrower demonstrates a solid payment history for a period of XXXX to 12 months. 
Given the primary borrower 's adherence to this requirement, I kindly request that you initiate the process to remove me from the loan agreement. Please let me know if there are any additional steps I need to complete or documentation you require. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
Product: Debt collection

This collection company levied my bank account and left me with XXXX dollars without any notification of a debt. When I spoke to them they indicated it was a debt from 2004. I asked for proof where the debt collections was sent to and the represantive was not able to confirm where it was sent, she kept throwing different addresses at me. I have not received a phone call or letter from this collector. In addition, I was not served with a levy from anyone or a notification of a judgement. They took my money I need to support myself and my family without any indication. I don't even have XXXX cents to buy a candy if I wanted to. This is unfair practice and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. Wells Fargo Card Service 3. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On several occasions, I have written to Celtic Bank/Continental Finance XXXX asking them to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


Celtic Bank/ Continental Finance XXXX Account XXXX XXXX .....
Product: Credit card or prepaid card

I opened a new credit card with Santander Bank and started using it on XX/XX/2018. The bank offered a promotion that said if I spend over {$500.00} within 6 months of opening the card, they will give me {$100.00} cash back, and so I spent over {$500.00} shopping within the first 6 months and waited and waited but I never got the promised promotion {$100.00} cash back. I contacted them by phone but they kept deviating from the subject and told me nonsense about my spending habit. I got nowhere with this problem so I filed complaint with better business bureau. All I got was excuses from the bank for not giving me the promised promotion {$100.00} cash back. That didn't get me anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.
Product: Credit card

In XX/XX/XXXX, I received an email invitation to apply for an AmEx Skymiles Gold Card with a bonus of XXXX Delta Skymiles after spending {$1000.00} in the 1st 3 months. The day I received my new Gold Card on XX/XX/XXXX, I received in the mail another offer for XXXX Skymiles from AmEx. I immediately called AmEx and asked if I could be eligible for the XXXX mile bonus instead of the XXXX mile bonus. According to the customer service representatives, they were going to open a case to investigate. 
I followed up with a live chat with AmEx on XX/XX/XXXX during which I was told the case was still open and they were trying to get me the XXXX mile bonus. 
I had my second live chat with AmEx on XX/XX/XXXX and was told by the representative that a detailed note was placed in my account and to check back in a few days. 
My last live chat with AmEx was on XX/XX/XXXX when I was told the two offers that were addressed and sent to me were not available to me because I had previously had an AmEx card. My previous card was cancelled in XXXX. When I asked why offers were sent to me that I could not get, I was told the offers are sent by the marketing department and have nothing to do with new or existing accounts. I immediately cancelled my card and requested to be removed from all future advertising and marketing, mail, email, or phone calls. 
On XX/XX/XXXX, I received a marketing mailer from AmEx, even after being assured that I would be removed from their marketing lists. 
Although I did finally find the small ( minuscule ) print indicating previous card holders could not receive the bonus in the offers I received, I still find it incredibly deceptive that 2 different offers for bonuses, personally addressed to me, were knowingly sent with the intent that I could not receive the " bonus '' that was being advertised. I also believe that AmEx wanted to keep stringing me along with the " open case '' story long enough to get me to pay the {$95.00} annual fee.
Product: Credit card or prepaid card

On XXXX XXXX a hard inquiry by Discover was done through XXXX for a credit card that I never applied for. The same day the inquiry was made the credit card was immediately mailed out to an outdated address. I received the the card via mail XX/XX/2022 and on the same day received a call from Discover that a fraudulent card might have been opened in my name. I did not activate the card, yet when I called I was informed that charges were made. Discover was aware that the address did not match my credit report and neither did my phone number or previous employer and still authorized the card.
Product: Credit reporting or other personal consumer reports

I am requesting that all 3 addresses need to be deleted from my consumer report because 1 is a non-existant address and the other 2 now belong to someone else, also it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
My current address is attached to this CFPB complaint and may be updated on my consumer report Please send me a full complete copy of my consumer FILE
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. XXXX XXXX XXXX XXXX Pays 31-60 Days 2. Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Student loan

On XX/XX/XXXX, I recently discovered that my personal and student loan information was accessed without my consent. I did not authorize any third party including XXXX XXXX or XXXX  to view or use my personal educational and financial information. I am writing to formally dispute the legitimacy of my student loan obligations transferred from XXXX to Nelnet. Due to serious legal violations and breaches of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 

I am concerned that my personal and financial data have been compromised. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 

Legal Grounds for Discharge : XXXX. FERPA Violations The exposure of my educational records without my express written consent is a direct breach of the FERPA, which mandates the protection of personally identifiable information. 

XXXXViolation of the Privacy Act 1974 The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors. 

XXXX. Breach of the Higher Education Act The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loans to Nelnet and subsequent data breaches demonstrate clear negligence. 

XXXXBreach of Contract and Data Security Obligations By failing to protect my sensitive information, Nelnet has breached contractual terms and obligations, rendering these debts unenforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act ; 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.