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

My fiance and I are paying off a loan on our vehicle. Our vehicle came with an 18 month, XXXX mile warranty. Our engine blew up and needed to be replaced. Please keep in mind this damage is covered under warranty. I believe this business A ) planned for the engine to fail just outside of the mileage warranty, but because we do so much high way driving, the engine gave in before then. I think Car Hop B ) is GROSSLY mistreating and taking advantage of their customers to save a few bucks. We were first told it would be about a week and a half for our vehicle to be repaired, it has now been 3 weeks. After going to the dealership we were stalled for over an hour and the ONLY thing done was we were told our car would be done by this Wednesday. Please know it is outrageous that this is happening when we have not even had this vehicle for 1 year and are below the mileage warranty as well. The damage is covered under warranty but we are stuck paying out of pocket for the tow, we are required to pay a deductible ( Which was at first and on our contract is XXXX then after going to the dealership for help turned into XXXX ), we are paying almost {$300.00} a week for a car rental, and also still paying almost {$300.00} every 2 weeks for our car payment ... .all for a car that this company knowingly sold us broken and were hoping broke after the warranty once we were stuck in our contract and broken car. Unfortunately, they will be paying for a new engine themselves, as they should for a defective vehicle. But what kind of dealership leaves their customer to pay thousands of dollars? Not to mention, there's 16 HOURS of PTO I was forced to use to ensure I did not get fired, lose  my home, insurance, and car. We then were told we will need to go through this whole process AGAIN paying out of pocket for being car-less ( again while the vehicle is being repaired under warranty ) to have the transmission ( also under warranty ) repaired at a DIFFERENT shop. On top of all of this we are stalled at the dealership and rushed out rudely and couldn't get the sales associate to print our contract.
Product: Checking or savings account

I have been unable to access their free checking spend account. I have asked this company several times why I was unable to open a new account after my previous account was closed due to some fraudulent activity on my account. After reaching out several times to Credit Karma Ive decided to file a complaint. I have not received a direct response from Credit karma. I reached out directly to the president of their company who assisted me with recovering my funds but the company has not allowed me to reopen my account as promised.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Today, at approximately XXXX XXXX in Hawaii, I received an alert on my phone from my credit monitoring service that a major derogatory account has been detected on my XXXX and Transunion consumer reports by XXXX XXXX XXXX ( a bulk debt buyer ) on XX/XX/2024. According to the law, a debt collector must follow certain criteria before furnishing an alleged debt on a consumers consumer report or face penalties or legal action for its deliberate consumer rights violations. 

Under the XXXX XXXX XXXX, my rights to privacy have been violated, which is protected by law. XXXX XXXX XXXX XXXX states as law that my personal information be protected and remain confidential by the institution involved, and If violated, there are grounds for legal action against all parties involved, including XXXX XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( 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 According to this section of the law, XXXX XXXX XXXX has violated my consumer rights ; they did not follow any of these requirements before furnishing my private information to the CRAs, and it should not be on any of my consumer reports, including Transunion, XXXX, and XXXX, and must be deleted immediately. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Cease and desist all communication from this debt collector. Transunion and XXXX shall also begin an independent investigation on this account to ensure that it is 100 % accurate, complete, and fair, according to FCRA. or delete it from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Having an issue with this XXXX XXXX XXXX XXXX Act. # XXXX on my credit profile. I have sent over multiple documents stating that the account doesnt belong to me & proof showing that the account is fraudulent. However I havent gotten any paperwork with my signature on it. After requesting numerous times. Please help me! This account should be blocked & removed from my credit report for it is inaccurate & its preventing me from progressing in my life.
Product: Mortgage

On XXXX/XXXX/2016 my company requested a verification of mortgage through the email service at Loan Care, XXXX XXXX. After being told that this request would take 7-10 business days and calling daily and speaking with numerous customer service representatives I have received the information on XXXX/XXXX/2016. This delay has cost our client to lose money on the refinance that she is currently in the process of completing. I have spoken with agent 's numbers XXXX, and many more who mumbled their ID number. I have been transferred around and told that even though this was to be put on " high priority '' per the customer service personnel, that I was unable to speak with any managers. They were always too busy to speak with me and I was unable to hold to speak with them. Only after spending my full morning requesting the item necessary I have finally received this item. I offered for our client to call in to assist in expediting, they stated that this will likely not help our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE XXXX CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX  XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Product: Credit reporting or other personal consumer reports

Can you explain to me how a charge off can be reporting on your consumer profile with {$0.00} balance. How can it be charged off with {$0.00}? This is hurting my credit report, it is inaccuratly reporting and needs to be deleted.
Product: Checking or savings account

So I've been with Bank of America for a couple years now and about 3-4 months ago I stopped using the account which had a {$0.00} balance well for the month of XX/XX/XXXX and XX/XX/XXXX they charged me a maintenance fee which caused my account to go negative I don't understand the fee if there is no activity. I really just wanted to know if this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT! 

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. XXXX IRS PUBLICATION XXXX Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL XXXX DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a XXXX on XX/XX/2023 which was accepted by the Irs and XXXX mailed to XXXX XXXX XXXX XXXX and was emailed directly to their XXXX & XXXX with a copy of the XXXX, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX XXXX COLLECTION FOR {$890.00}
Product: Credit card

Balance transfer/payment from from my XXXX credit card of {$3000.00} was sent to my Citi Card credit card. They have stated multiple times that my check was never received or cash, but my XXXX credit card is stating Citi received and cash check.
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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX 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: Student loan

This complaint follows up on a prior issue ( Complaint ID : XXXX ), which was resolved and appropriately marked as closed. However, during the resolution process, a new problem has arisen concerning my undergraduate loans, which are Direct Subsidized Loans. 

These loans ( Loan 01, Loan 03, Loan 04, Loan 05, and Loan 06 ) now show inaccurate accrued interest balances without explanation or prior notice. The discrepancies are as follows : - Loan 01 : Accrued interest shows {$42.00} ( should be {$15.00} ). 
- Loan XXXX : Accrued interest shows {$50.00} ( should be {$18.00} ). 
- Loan XXXX : Accrued interest shows {$53.00} ( should be {$19.00} ). 
- Loan XXXX : Accrued interest shows {$63.00} ( should be {$23.00} ). 
- Loan XXXX : Accrued interest shows {$35.00} ( should be {$12.00} ). 

On XX/XX/year>, I contacted Aidvantage and spoke with a representative who verified these amounts were incorrect. Together, we reviewed my statement from XX/XX/year>, which reflects the correct interest balances listed above. The representative acknowledged the error and assured me a request had been filed to address it, with a resolution expected by XX/XX/year>. 

However, I am submitting this complaint because Aidvantage did not mention these incorrect balances in their correspondence regarding the prior issue. This lack of transparency is concerning and suggests a pattern of errors in managing my account. 

The supporting documents include : - A loan statement from XX/XX/year>, which verifies the correct accrued interest balances for Loans 01, 03, 04, 05, and 06, providing evidence of the error in the updated interest amounts. 
- XXXX resolution notice for the previous issue ( Complaint ID : XXXX ), which confirms their acknowledgment of and response to the earlier problem but makes no mention of the newly identified discrepancies in these undergraduate loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX  XXXX XXXX REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted XXXX XXXX in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised XXXX  XXXX of this and they are not helping with the current situation.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX 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. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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: Vehicle loan or lease

Chase bank has a lien on the car but the car was never ours, we received our loan through XXXX. Spoke with chase & they told us they couldnt tell us much since we were not the authorized user. We purchased our car from XXXX XXXX XXXX in XXXX XXXX, we were never told the car had a lien on the title or a salvaged title. They also never disclosed anything regarding an accident the vehicle had been in prior. How they were able to get a loan through XXXX XXXX while a lien from Chase auto finance was on the title I am not sure. Spoke to chase auto finance & they stated they did not repossess the vehicle or know the whereabouts, she stated that the loan had an outstanding balance but could not tell me how much or who owed since we do not have the loan through them, they stated they own the car since the lien was never paid for & they basically own the title. We put XXXX down on a car that we were never going to own & was never ours.
Product: Credit reporting or other personal consumer reports

XXXX DEBT COLLECTOR HAS SENT ME NUMEROUS EMAILS DATED XX/XX/year> - XX/XX/year> REQUESTING A DEBT TO BE PAID. I REQUESTED AN ACCOUNT NUMBER AND PURCHASE AGREEMENT ON XX/XX/year> FOR THE AMOUNT THAT XXXX IS PROJECTING THAT I OWE, WHICH IS {$880.00}. THEY HAVE NOT EMAILED OR MAILED AND AGREEMENT AFTER IT WAS REQUESTED. I SUBMITTED A LETTER TO THE COLLECTION AGENCY ON XX/XX/year> AND HAVE NOT RECEIVED A RESPONSE SINCE.
Product: Bank account or service

I chose to close a bank account with FirstMerit Bank located in XXXX XXXX, WI. When they gave me the document to sign it showed that only XXXX remained in the account. I asked how that could be and was told of a inactivity fee of XXXX per month. I was totally unaware of this fee. 
I was told by a customer service person that they send out a notice each month when the account is ready for viewing. I told them I have never received any such email. I did check the account a couple of years ago and the amount shown matched my checkbook balance. I usually come up to Wisconsin for a couple of weeks each year. I did not come up last year due to a death in the family otherwise I would have closed the account a year ago. 
The customer service person said " I wish you had not closed the account, now there is nothing I can do ''. I said that makes no sense and I will pursue the issue.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit reports from mortgage companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at ; XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX ), XXXX  on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and the collections accounts opened at ; XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$XXXX}, XXXX XXXX  on XX/XX/XXXX XXXX appears related to the aforementioned personal credit card account opened at XXXX XXXX and XXXX XXXX  on XX/XX/XXXX that appears coo the aforementioned personal credit card account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Ido not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I asked each company to send me a copy of the XXXX XXXX recite with my name and home address on it, and to sign and return the XXXX.