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

While at the XXXX XXXX XXXX XXXX dealership in XXXX Ca because it was close to a friends house on a weekend. When I did not see what I was looking for the salesperson did a good job of listening to me and took the time so search the inventory. We walked to the back lot and I found a vehicle that met the criteria I was looking for. I decided to listen to their offer based upon the performance of their sales person. I have excellent credit and little debt so I was confident I could buy it. During the course of negotiation and closing I was told several things that were complete lies and overcharged by an outrageous amount. The smallest lie was that they refused to negotiate because they had shopped over XXXX competing dealers and their price was the lowest guaranteed. They kept emphasizing they guaranteed it was the lowest price because they had done all the work for me. After closing I found that the dealership close to my home was cheaper. I wasn't too upset. The largest and most disturbing lie was during the financing I was offered gap insurance at a cost of {$800.00} and was told that it could ONLY be obtained at the time of closing and that if I did not take it right then and there it could not be purchased later through any other source. I took the gap insurance because I did not want to be exposed. The first available business day I called my auto insurance provider to place the vehicle on my auto insurance policy and the agent offered me gap insurance. I told them about the conversation with the F & I guy and she told me that was completely untrue. I went online and found that many insurance companies offer such insurance on leases. I took the gap insurance through my normal auto insurance agent and the cost was {$56.00}. Yes that is correct, {$56.00} versus {$800.00}. I sent them an email through their website communicating my desire to cancel the gap insurance and called. I was placed on hold for so long it was intolerable. Finally I was able to speak to someone in Finance and communicated that I wanted to cancel gap insurance. I was assured it would happen. My payment documents came and I have made my payment. I called Toyota Finance and they have absolutely no record of cancelation. I called XXXX XXXX again and had to leave a message. I asked for a call back in the next 3 business days and gave clear detailed call back information. No call back. I can not get a response from them. I am left with no choice but to file a complaint with CFPB and the State Insurance Commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.
Product: Checking or savings account

I signed up for a promotion in XXXX of 2020 where HSBC would pay $ XXXX/mo for 6 months if I kept a minimum direct deposit amount of $ XXXXmo. The promotion was supposed to start paying $ XXXX/mo at about 2-3 months after opening a checking account.

I messaged them about 4-5 months after opening my checking account when I did not receive my $ XXXX/mo. They said that they could not give an answer about the issue until more time had passed from the start of the promotion. 

I messaged them again recently, and they now are saying that they will not honor the terms because I did not use their " Apply Now '' button on their promotional page. Their excuse is not true. Their promotional page is the only one that I used to sign up for an account. There were two different options with the " Apply Now '' button and I remember deliberating for a while between the options before deciding to use the button that matched with the $ XXXX/mo for 6 months.

This is a classic bait-and-switch from HSBC. They promised an offer, gave me the run around when I asked about it, and now are saying that they won't honor the offer after the promotion is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts with Transunion and sent them a letter by certified mail on XX/XX/2019. The accounts in question were by XXXX and Transunion received the letter on XX/XX/2019. I received a response from Transunion dated XX/XX/2019, but the results did not include the XXXX account. It is now XX/XX/2019 and been over 2 and a half months without a response regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXXALSO SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


XXXX XXXX XXXX Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " XXXX '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely, Delight-Tracy : XXXX, XXXX ALL RIGHTS RESERVED
Product: Mortgage

I reported the illegal stealing from our account and no one is listening. Here is proof in black and white. Phh/Ocwen/homeq reported false 1098 to our taxes and then tried covering it up. They also reported fake amounts they paid in my escrow accounts which you will see I have attached. They reported fake late payments and fake NSF charges when I paid on the first. I do not have a checking account so how are there NSF charges? It's all forged. Please look at the attached documents and see for yourself. I want them to shut down and arrested for theft. Look at XXXX where they charged over XXXX for school taxes when the taxes were XXXX. This is fraud. Look at XXXX where they paid insurance twice for XXXX. Look at all the fake late payments and NSF fees. Everything circled I want a receipt for. I want copies of the checks they state are NSF. They are lying. I want everything in excel format and not this crazy format they are using. Look at the fake insurance companies and the long-form fees for XXXX XXXX. We have never gone without insurance and they forced their fake insurance and charged us. Please fine them for every mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXXXXXX XXXX  opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX XXXXXXXX ''. Please see attached bank statement. ( bottom of page XXXX ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed this account with the XXXX XXXX XXXX on multiple occasions with no response. On XX/XX/2024 I submitted a complaint through the CFPB portal requested account information and validation of the debt but have yet to receive an acknowledge or any response with the information requested. I have attached the previous complaint submitted on XX/XX/2024 as well as proof of the items posted on my experian credit bureau. These accounts are reporting inaccurate misinformation and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired. 
Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of XXXX Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against XXXX discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses XXXX XXXX discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.
Product: Mortgage

XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion about inquires on my report that were not mine, I was told i needed to call the companies that placed the inquires on my report, I called those companies and was told that they could not do anything about it and that it was transunion that needs to investigate and delete, I call transunion back and was told to call the company back I advised them I had already done that and they said the cant remove them even with me telling them I have a fraud claim open the said no and that I would need to file a complaint with the cfpb
Product: Money transfer, virtual currency, or money service

I was attempting to buy an XXXXXXXX XXXX ticket. After giving the person the money for the ticket they blocked me and took off with my money. I have contacted both Capital One and XXXX about this and both ends said they couldnt do anything.
Product: Debt collection

On XX/XX/2018 I contacted XXXX XXXX about a collection account that was on my credit report. XXXX XXXX stated the original creditor was XXXX there was multiple account with the XXXX placed for collection one account was XXXX  and the other was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account # XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX XXXXXXXX Account # ( XXXX  ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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.
Product: Checking or savings account

I reported merchant for damaging my vehicle and Chase is reversing charges although it cost more to repair. XXXX in fraud claims on XX/XX/20
Product: Debt collection

I received a small claims court document from the Plaintiff, Nathan and Nathan XXXX XXXX, that is located in XXXX, Alabama, regarding payment of a debt that I have submitted two online payments to their law office on their website. The Plaintiff wants to sue me after I have made the same monthly payment amount I was making to the original credit card company, XXXX Credit Card, before Nathan and Nathan XXXX XXXX got involved with me paying my credit card bill. The law office 's predatory business practices are very deceptive and unrealistic of the facts of me submitting payments to their law firm. This is the second time this law firm has sought out to take over a debt that I owed and go forward with suing me after I submitted payments to their law firm. I am not sure if I have turned down the advances of someone at that law firm or they want me to support their personal affairs of paying their own bills or they are using drugs to support their habits by making the decision to sue someone after they have responded to their original debt collection notice and submitted payments on their law firm 's website. I'm not sure what the intent is of Nathan and Nathan XXXX XXXX however, someone needs to look into their business practices and contact other citizens in the local community that are being targeted by this law firm because they are harassing me at this point with false accusations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

I recently checked my credit report and I came to the conclusion that the debt owed was not my debt I had and have no knowledge of the debt and have no attention on paying it I then disputed the multiple different accounts giving clear detail on why this debt is not mine and I I couldn't have possibly assume this debt due to my unfortunate circumstances. In return I was told by XXXX that they have completed an investigation and deemed the account accurate when in fact it's not accurate at all
Product: Credit reporting or other personal consumer reports

Identity Theft has occurred and the credit reporting agencies are reporting indebtedness that is not mine and further noting addresses there are someone elses. I need these removed immediately as they impacting my credit and causing me emotional distress and financial hardship. I can not find work and have other issues which are are stemming as a result of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/2022, I sent an FTC Report, my State ID, and 15 USC 1681c-2 to Equifax by Certified mail. I am a victim of identity theft.
Product: Debt collection

They are from a PayPal account apparently that I owe over three hundred and something dollars that I have already paid and I keep telling them that but they don't get it they called me on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic using my information and I was evicted the same year due to failure to pay rent. I have never been in the State of XXXX XXXX before and I have never signed a residential lease for any property in the State of XXXX XXXX I have been living in the State of XXXX since XXXXXXXX XXXX XXXXXXXX and I have never moved to another State since then as we can verify thru my address history record showed in my credit report and other documents. At the time of this incident I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and my employer was located in XXXX XXXX, XXXX 

Im requesting to kindly please remove this collection/charge off record off my credit report opened on XXXXXXXX XXXX XXXXXXXX in the amount of {$9700.00} due to this incident as this is affecting me and my family. 

Thank you and regards, XXXX XXXX
Product: Credit reporting

I filed bankruptcy in XXXX and it was discharged in XXXX XXXX, My home is Charged Off in XXXX. First XXXX XXXX stated I did a short sell of my house but I am still living in it. Now XXXX XXXX is claiming that my house was charged off in XX/XX/XXXX, which is causing me problems opening up a business account and/or getting a mortgage. I have sent all XXXX credit bureau proof that XXXX XXXX was sued for lieing and filing false statements on people credit reports. Experian sent my a letter stating that they will do their own investagation, but it is still on my credit report
Product: Mortgage

I have been waiting for Financial Freedom to send out an Appraiser to perform a BPO so that I can refinance my deceased husband 's Reverse Mortgage. I have been approved by a lender to do so. I explained this to Financial Freedom. I was given a value before of {$100000.00} and XXXX % of this amount would allow me to pay the loan off altogether. I am a senior, but at this time I wish to payoff the loan in its entirety. I can not get cooperation with an appraiser/bpo or should I send my appraisal in? I need a response from Financial Freedom to pay loan off