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

I purchased the car ( XXXX XXXX XXXX ) in XX/XX/XXXX. The dealer 's website advertised/implied a 3month/3000 mile warranty on all vehicles or 6/6000 for veterans ( which I am ). I owned the vehicle for 6 weeks and 2800miles before a major mechanical failure occurred. The motor was blown and the repair estimates ranged from XXXX to XXXX to replace. I contacted the dealer and they stated that the car was purchased as is with no warranty, they could only offer to provide a used motor at my cost if I needed the assistance in locating one. After several weeks of trying to work with the dealer and repair facility for a solution, I notified the finance company ( Ally Financial ) of the situation. The notice was made before my next payment was due. I explained to them the situation and asked if they could help as I did not want to return the vehicle or have a repossession. Ultimately, they did not offer any solutions leaving me to be forced to purchase another vehicle so that I could continue to work and provide for my family. Afterwards they still continued to call and try to collect the payments, even though I asked them to pick up the vehicle unless they had a way to assist me. Finally, almost 8 weeks later, they picked it up from the service facility. Since then, I have only received a confirmation ( 1st week of XXXX ) that they had possession of the vehicle, but I have had no correspondence or phone calls from them since then. They have since reported derogatory information on my credit bureaus without notifying me of any options to resolve the account. I feel as though the dealer and the finance institution left me in a disparaging situation, by not providing me any options or solutions to my concerns. I clearly stated to the staff at Ally and the manager of the dealership that I did not want to give up the car or, default on the loan, but neither offered any reasonable assistance. I really need assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

In my initial complaint with number assigned : XXXX, I requested removal of all derogatory remarks on the account, including late payments for the months XX/XX/XXXX and XX/XX/XXXX and {$1000.00} per FCRA violation. Experian has responded with an update and annotated notes according to their reinvestigation that does not resolve or respond to any of my complaints. They have updated my report with The item you disputed has been updated, which may include an update to the disputed information. Please review your report for details. I have attached the report to this complaint for the CFPBs review. 

The FCRA OR 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian fails to exercise their responsibilities with fairness, impartiality and a respect for my privacy by not responding to the initial complaint and simply updating the account with no due diligence.

15 USC 1681a ( 2 ) ( A ) ( i ) states exclusions from consumer reporting which includes report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history is illegal and 15 USC 1681 ( 5 ) states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years should be excluded from consumer reports. The account is in an adverse condition and they even have it listed as a potentially negative item that is being reported.

Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I demand the late payments be removed, and to be compensated {$1000.00} per FCRA violation.

Attachments : CFPB Complaint/Experian Response
Product: Credit reporting

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX XXXX XXXX, account ; XXXX, this account is not mine. 
2. XXXX XXXX, XXXX, account ; XXXX, this account is not mine. 
3. XXXX XXXX, account ; XXXX, this account is not mine.
Product: Checking or savings account

I have a Business account with B of A Checking on one of my vendors XXXX XXXX takes there payment every week on Monday at midnight, My funds from Merchant Services for my business transfers on Tuesday as well to cover my bills every week. 

I am being hit with {$35.00} XXXX Fees during this time since XX/XX/XXXX till currently I called in XX/XX/XXXX to the Vendor XXXX XXXX explained how this is hurting me and to please change my due date to Wednesday, that I am a small Business and can not afford the NSF fees, they said there is nothing they can do. 
I called my Bank of America, I went in person and escalated it to the Branch Manager to help me please it's now in the {$1000.00} 's for the XXXX and that it's all happening on the same day to please help me, All my attempts were denied. I gave the Bank about {$120000.00} in business last year, and feel that I am a small growing business and they should want to help me with this matter they offered me no solutions and refused to help me. 
I have had my Business account with Bank of America since XXXX XXXX XXXX XXXX XXXX and need help.
Product: Debt collection

I pay off my credit card debt and Im still getting a negative balance in my credit report is been a year since I paid it
Product: Debt collection

XXXX XXXX XXXX has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from XXXX XXXX XXXX contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor Fortiva.
Product: Debt collection

XXXX XXXX is stating that I was 90 days late in 2012. However, from my recollection I was under forbearance and I should not have these negative mark on my credit report. I have sent letters requesting for my payment history which they have not.
Product: Checking or savings account

New Capital One 360 checking account opened in my name; received new debit card in the mail on XXXX. Contacted Capital One, they closed the account and recommended I call XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX balance late account from XXXX XXXX I never opened an account with them. experian says its a prepaid card. I need it removed from my credit on experian This account was never mine. I have disputed it with XXXX XXXX  several times and they wont remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX   notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX  was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
Product: Debt collection

I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt.

This is the FIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my XXXX ) bank did not attempt to collect a debt, XXXX ) the Collections Company has not sent any communications and XXXX ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them. 

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute. 
- I am not a petitioner in any pending bankruptcy petition. 
- This account has not been discharged in a bankruptcy. 
- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute. 

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site. 

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back. 

Being sent to XXXX ) collections and XXXX ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX  XXXX XXXX reporting.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a few recent inquires on my Experian XXXX report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied
Product: Checking or savings account

I USED MY CITIZENS DEBIT CARD, XXXX, which has EXTENDED WARRANTY COVERAGE, AND SATISFACTION GUARANTEE COVERAGE. I HAD A XXXX DEBIT card on my checking account. I HAD A CHECKING AND SAVINGS ACCOUNT WITH CITIZENS BANK. THEIR PEOPLE ON THE PHONE REFUSE TO HELP ME. I WANT TO CLAIM BOTH EXTENDED WARRANTY AND SATISFACTION GUARANTEE ON A XXXX PURCHASE OF XXXX on XX/XX/2024. MY PHONE COMPLAINTS BEGAN XX/XX/2024, on the phone 3 hrs myself and a friend was also on the phone 2 hrs. CITIZENS BANK HAVE REFUSED TO HELP ME
Product: Credit card or prepaid card

XXXX stating there is no account reporting by them. But XXXX as confirmed there is and the collection agency that XXXX sold tthe account to is portfolio Recovery I want this company to take this account off my reports this is not ok i have filed claim with fair act credit reporting agency and attorney general because this account was fraud and i have told this to original credittor XXXX and portfolio recovery but they sent me documents that my account was closed and will be removed off my reports but yet iit has been on there. i want somone to look in to this XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is identity theft i have no knowledge of this accounts and inquiries please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is violating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries 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 XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.
Product: Money transfer, virtual currency, or money service

I sent my rent to my landlord he didnt receive all if the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from  XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan. 

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
Product: Mortgage

My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on  numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!
Product: Credit card or prepaid card

On XX/XX/XXXX I was supposed to receive my pua unemployment benefits bacc pay. Speaking with a representative I asked what was the limits for direct deposits because I was getting about XXXX he said its XXXX a year and that amount should be fine. So I set up my direct deposit for the serve account and received XXXX I tried logging on to get some cash and they permanently suspended my account for no reason saying I violated the terms and I had to write a letter. I am XXXX  for 2 weeks and i been waiting 6 months for unemployment. My Bill 's are still pulling up I dont know what to do
Product: Checking or savings account

I signed up for a Citizens bank Platinum checking in the middle of XXXX after receiving a flyer in the mail advertising a {$400.00} bonus for opening said account and making a direct deposit within 60 days. 

I met ALL requirements, including going to the exact link provided on flyer, entering the code, and direct depositing well above the required amount within 60 days as stated. 

It said in the fine print that the {$400.00} bonus would be paid within 90 days after the direct deposit. The direct deposit posted on XXXX, and it has now been over 100 days and still no bonus paid. 

I called several times and keep getting the runaround. They keep saying over the phone that I met the requirements, but unsure why it hasn't been paid out. And that they'll investigate and call me back, but they don't. 

I have attached photos of both sides of the flyer I received down below. Any help you could provide would be greatly appreciated. 

Thanks so much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. XXXX
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name 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 instruction.
Product: Debt collection

I'm disputing these accounts on my credit report due to identity theft. I've reported it to the authorities, and now I'm asking your bureau to cooperate, investigate, and remove these fraudulent accounts to avoid legal action, as other bureaus and creditors have already acknowledged and addressed the issue.