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

I bought a car on XX/XX/XXXX and the engine blew out XXXX month later on XX/XX/2021 and I had a warranty purchase from the dealership added to the car to cover the engine the guy at the dealership who sold me the car tell the warranty people that only thing was wrong with the vehicle was that it needed a timing belt for the engine so the warranty people pay him for it the guy at the dealership told me he could not fix the vehicle after he received the money from the warranty people and cash the check he kept the money and didn't repair my car his excuses that there is more maintenance to be done on the engine so I called the warranty people and they told me they had explained that into details with him that he was not supposed to send off the invoice into the carpet was completely fixed the dealership told the warranty people that the car was completely fixed and ready to go that was on XX/XX/2021 today is XX/XX/2021 and the vehicle still have not been fixed. Then I spoke with the American Credit Acceptance who he transferred the loan to after the car was broke down I asked them what do they need me to do because now I can not make the payments because I don't have any reliable transportation to make money they told me they want to settle out the car but in order to do that they need the guy from the dealership to give them a printout of the total amount of repairs and labor that is going to cost to get the car fixed he refuses to do that and continue to hold the car and is not being fixed
Product: Debt collection

Received call from XXXX XXXX threatening to garnish paycheck and file complaints with licensing board against my state licenses. Amount changed 3 times during conversation from XXXX to XXXX to over XXXX. This debt is more than XXXX years old and this is the first thing I have heard from this company and they were threatening and abusive. They refused to give their names or employee ID and also refused to let me speak with a superior when she would not answer my questions. They did not have my correct information or amount of alleged debt owed. This is a predatory company and they need to be disciplined as such.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the recent report regarding my account with Kikoffs. Specifically, I am concerned with the assertion that my payment was late. This notice is issued in accordance with my rights under applicable laws and regulations, including the principles outlined in Kikoff v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which emphasize the importance of accurate record-keeping and dispute resolution.
Product: Debt collection

the credits bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these accounts be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately
Product: Money transfer, virtual currency, or money service

XX/XX/2023 paid XXXX via bank transfet after thinking I was hiring a escort via a website after I found it wad a scam I immediately contacted the bank and logged a fraud claim with all the evidence they also confirmed it was fraud but will not reimburse the money or can't collect from the scammers account
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card under my social security number. They opened a credit card under XXXX XXXX.
Product: Consumer Loan

i purchased a XXXX vin XXXX from XXXX XXXX contact number XXXX they repossessed my car for none reason i have a contract the are wrong i have a contract i never miss any payment the are telling me because i do n't have any driver license or i 'm not legal and this country they take my car i 'm resident of this country but i do n't have any driver license only id i feel this is discrimination again my person my account number with them is # XXXX my name is XXXX please help me my contact number is XXXX the telling me i do n't have insurance i do have only excuses to taking advantage of me please help me
Product: Credit reporting

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Certain accounts have been linked to identity theft and fraudulently added to my consumer report without my written authorization, including a wet signature. I recently contacted your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my credit report. Their presence has caused me significant emotional and financial distress, as they inaccurately represent my credit history and obligations. 

If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit card

On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Capital One XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Capital One 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on 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 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

On XX/XX/year> I received a notification that a payment has been made automatically on my Discover Card. 
Upon checking, my payment was for {$92.00} and not my usual payment of {$53.00}. 
My autopay was adjusted without my consent or authorization. 
I contacted Discover and the representative rudely argues with me over the phone when XXXX states " how can you just change my autopay? '' She continue to say that I sign up for a hardship and I agreed to the account terms changing after the program ending " XXXX 'XXXX XXXX XXXX 
I also get a email notification days prior but it doesn't list any changes. It's the same email I alway get. Email doesn't list anything changes or notify any changes being made. 
Discover just went and changed my autopay without any proper notification. Even logging into the statement and it only show the interest collected went up. 
I also contacted them about Hurricane relief as I log into my account and it shows if I have been impacted by the hurricanes in florida they are here to help. 
After speaking to the representative her words " did you declare any lost to FEMA? thats how we get money for hardship for you ''. 
Also " we just lowered your payment a year ago '' as I ask how does that program I enrolled have anything to do with XXXX hardship relief? 
Out of all of the creditors I delt with I have never heard of such thing that they want to take XXXX XXXX XXXX for me to help " ME ''.
Product: Debt collection

I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME STRESS, I AM A XXXX, XXXX, XXXX AND XXXX  XXXX.
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from XXXX XXXX XXXX of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
Mary Jane Elliott P.C.firm. sent me a pretrial form Over a XXXX XXXX XXXX again debt of XXXXVerified Closed. 
Mary Jane Elliot P.C. firm sent me-Manipulated XXXX XXXX statements from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
Mary Jane Elliot, Attorney P.C. collections for XXXX XXXX XXXX closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to XXXX XXXX XXXX. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because Mary Jane Elliot says I owe this debt. 
I produced a collection form from XXXXXXXX XXXX  for XXXX XXXX from XXXX my credit reports whoing the account closed written off in XXXX XXXX XXXX XXXX removed themselves from XXXX  reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXXXXXX XXXX XXXXXXXX Mary Jane Elliot continues after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXXI should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX advantage Credit; Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.
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. 

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section604 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 then records of convictions of crimes witch antedates the report by more then 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 reason cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked company to look into an entry on my credit report, Transunion is reporting a usury account illegal ( Both civil and criminally ) in NYS. I have attempted five times to get an explanation as to why transunion is disregarding NYS law. They normally respond with a boiler plate answer that does not address the issue. Now, they aren't even responding. Please note that this is the only credit reporting agency that has refused to remove the entry in question.
Product: Checking or savings account

I am writing to formally state that I was not notified about the Navy Federal ISA Fee and Overdraft Fee Settlement but believe that I was directly affected by the issue in question. I have recently learned about the lawsuit and subsequent settlement and would like to request consideration for compensation.

I was a member of Navy Federal Credit Union during the period covered in the lawsuit and was charged fees. However, I never received a notification regarding my eligibility to file a claim.

I kindly request information on how I may still be considered for reimbursement or any alternative recourse available.
Product: Checking or savings account

On XX/XX/ I found out that my Chase checking bank account has been frozen. I only found that out when I visited their branch in New York. They did not provide any information regarding the freeze and keep saying it is 'under review '. They make me feel like a fool talking to tens of their helpline numbers. They keep saying there is a claim on my account but do not give any information. Even when I visited the branch again, they have no clue why the account is frozen and when the hold will be removed and they keep giving me numbers to call without any resolution. Have not been able to get anything from Chase since past two weeks, they keep adding that 'oh, there is no time frame as to when this might be resolved '. I am completely appalled by this situation, and there seems to be no way out as their team keeps going in circles. I request my funds to be released asap.
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Trans Union Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
. I expect Trans Union to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial ability. These accounts were created without my consent and have placed an unjust and burdensome financial obligation upon me. The information contained in this letter is accurate under oath, and I demand prompt corrective action. 
Disputed Accounts : Fraudulent Account/Transaction Details : XXXX XXXX Account XXXX XXXX, Balance : {$4200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, Balance : {$2500.00} Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 
Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. I want to make it clear that I have never given permission for Trans Union or any associated entities to report or share any personal information about me. Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801-6802, I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, either electronically or in writing. The GLBA requires that financial institutions protect the privacy of consumers personal information and only disclose it under specific circumstances known as permissible purposes. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX XXXXXXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Product: Checking or savings account

I contacted SunTrust Bank regarding archived records of my checking and savings accounts, in addition to the possibility of a check deposited in the amount of {$11000.00}. SunTrust Bank did not produce any records, nor to even prove that been a client within their institution. Knowing that I held accounts with SunTrust Bank, I am disturbed by the fact that they were unable to confirm that I was a previous client, even at the very least.