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

In XX/XX/XXXX, I went to go buy my first vehicle, I went to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I was told the only way I could get a loan was through Credit Acceptance, I have been paying {$420.00} a month since then, I can't afford it I'm so far into debt because of the high interest I was pressured into it, and the XXXX XXXX XXXX I bought had to have the transmission replaced 3 times and worked on multiple times not even 30 days after the purchase was finalized. I had to use the extended warranty that I paid for to have this fixed. I was young and didn't know what I was doing and I was taken advantage of because I was young, a woman, and the car dealer knew I was pregnant at the time and needed transportation, I XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX he was my co-signer and he had XXXX XXXX not even 30 days after the sale closed I was having transmission problems and took the car back to where I bought it from and he did nothing to help me besides to try and seduce me and take advantage of me even further, knowing I was young and grieving had just lost my job due to my XXXX XXXX After the second time, I told him I was having issues with my transmission, I asked him if this was considered a lemon law and he told me no and he would use my warranty and have his shop guy fix it, but the problems still occurred, so I called a continental transmission and they had to replace the transmission not once but twice themselves before the problems were somewhat fixed, I still have problems with the vehicle today but I'm stuck with it because of the messed up loan I was tricked into with a company that is scamming millions worldwide, I've tried everything to get out of it I tried to even just give the piece of junk back but I need transportation and I can't afford another vehicle because I'm drowning in debt from how high the loan is and how expensive the monthly payment is and it was supposed to be a 4 year loan but somehow I still owe well over XXXX even though I've never missed a single payment. I don't know what else to do I really need some help here because something is not right and this all really needs to be investigated. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had any services with XXXX XXXX XXXX and my belief is that this is a debt that was discharged previously with case XXXX due to the amount being exactly the same. This service was in another state that I have never lived in and I have no knowledge of this company or the services that it provides. This company has sold this debt in attempt to collect something that is not owed by me. I am requesting that this fraudulent information be removed from my credit report immediately or legal action will be taken.
Product: Credit reporting or other personal consumer reports

On about XXXXXXXX XXXX XXXX, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct XXXX XXXX XXXX would not be attempting to suppress this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My mom sent me {$400.00} via PayPal. I didn't ask for the money and thought she shouldn't send me that much money, so I graciously accepted {$100.00} with gratitude for groceries for my children. As a single mom, any financial help is good, times are tough. 
I sent back {$300.00} to the account that I thought was my mom 's. The same name. The email address she's used forever. I didn't think twice because everything matched up. However, the account was not owned or connected to my mom and she never received the {$300.00}. PayPal told me to reach out to the person who received the money and ask for a refund, which I did, several times to only receive XXXX mysteriously deposited into my account. I have called PayPal and sent messages. I have asked my mom to do the same. She claims she never received the money and that account is not in any way connected to her. I honestly don't understand why PayPal can't cancel the transaction or refund the money. I tried to cancel the transaction, .but that option wasn't even available to me. I really hope someone can help me with this. This is a lot of money for someone who is on a fixed income. This is devastating to me on behalf of my mom. I feel awful this happened and want to help and make sure she gets her money back. Please, if you could help me, I would greatly appreciate it. 
Thank you!! 
: )
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # XXXX
Product: Mortgage

Today, XX/XX/2023, I tried to make a payment for my mortgage through XXXX XXXX. When I tried to make a payment, the website said that there was an error and to submit again. I tried XXXX  more times with the same error. A XXXX of XXXX later, I received XXXX e-mails saying that my payment was received. This will cause an overdraft of my bank account. When I tried to call the mortgage service, I tried following every different possible option in their automated system, all of which eventually led to me being told that an agent would not be available to assist me.
Product: Credit reporting or other personal consumer reports

I sent proper information for incorrect information on my credit report. and they did not do a proper investigation. I explained to them I have a twin brother and account want mine. it came back verified
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I mailed out the a letter to XXXX, TransUnion, and XXXX Explaining to them that they are in violation of many different codes. They are reporting payment history, delinquencies, amongst various of other things without my authorization. It need to be updated or removed immediately As theyre going against the FRCA XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX - XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX ( XXXX  visa/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

The savings account interest is off, the amount they said it was supposed to be paid it doesnt match the interest rate. I called them a while ago about this issue and asked them about it, they couldnt confirm or deny that there is an ongoing issue with it.
Product: Prepaid card

I made a phone bill payment on XX/XX/XXXX for with my debit card in the amount of {$110.00}. I was having issues with the phone carrier so I called and thought this was corrected, XXXX XXXX stated that they fixed my account and for me to pay {$140.00} this would restore my services and my bill would not be due until XX/XX/XXXX. I paid {$140.00} on XXXXMy services was restored, and not sue until XX/XX/XXXX. I also advised XXXX that I had been trying to contact them prior to my card company and I had summited dispute with my card company for the {$110.00}. XXXX stated that since this was in process they did not need to issue a credit or refund if my card company had already was in the process of issuing one. The card company provided me a credit after they research the account they determined the {$110.00} was due back to me I received the credit on XX/XX/XXXX. Then on XX/XX/XXXX my services was turned off again stating the payment for {$110.00} was reversed, and in order to even speak with anyone I had to make a payment of {$110.00}. So they took the funds on XX/XX/XXXX for {$110.00} and then turned my phone off again on XX/XX/XXXX now the bill is due again. My issue is with the credit card company because once they issued me a credit and then the phone company took the funds again I filed another dispute with the card company they stated that they where not able to issue a credit. I informed them this was the same issue from previously that was already resolved and a credit was issued, They refused to issue another credit stating they need to research what was already researched and credit was issued previously. I just want my funds back I have paid a bill that is supposed to be due once a month 3 times in 2 months.
Product: Debt collection

XX/XX/23 : I received an email from Resident Advocate claiming I owed them {$1300.00} with an incorrect address listed and said that I had to dispute the claim by XX/XX/23. I sent an email back to them on XX/XX/23 and disputed it due to an ongoing open case on the apartment. 

XX/XX/23 : I received a voicemail from Resident Advocate to call them. I then proceeded to send them a letter in the mail asking them to validate themselves by sending the original contract with my signature, the creditor 's information ; ( name, address, phone number ), the payment history with an itemized billing list associated with the account number and proof of ownership and that they are authorized to collect payment. And stated, " As per Section 609, I am entitled to see this information and you must provide it to me within 30 days. '' Then I put my legal representation with their phone number and signed the letter with my wet signature while letting them know they had the wrong address listed. 

XX/XX/23 : I received another voicemail from Hunter Warfield to call them. 

XX/XX/23 : I received another email with the same information I had previously saying I owed {$1300.00} and that I had until XX/XX/23 to dispute the claim again. 

XX/XX/23 : I received another email with a resolution offer for {$1100.00} saying I was allotted 30 days to make a payment to receive the 20 % savings. 

XX/XX/23 : I received another voicemail telling me to call them back.
Product: Credit card or prepaid card

I applied online for the US Bank Cash Plus credit card in XX/XX/2017, using a sign-up bonus, that I get {$150.00} after spending {$500.00} within 90 days of getting my card. I spent the {$500.00} within the timeframe. I have still not received the {$150.00} bonus. I emailed US Bank to inquire, and they advised me I did not sign up with this bonus, when I used their link online clearly promoting the sign-up bonus. I have attached 2 files - the advertisement from US Bank with the sign-up bonus, and their email to me saying no bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of credit denial, dated XX/XX/2023, from a company I'd never heard of, Chrysler Capital, stating that I'd applied for credit through XXXX XXXX XXXX, XXXX, on XX/XX/2023, which I had not done. I found a hard inquiry from Chrysler Capital, also dated XX/XX/2023, on my XXXX credit report ( but not on my XXXX or XXXX reports ). 

Chrysler Capital lists their contact information as : XXXX XXXX XXXX, XXXX TX XXXX Telephone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle illegally obtained in my identity Account # XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with AUDI FINANCIAL SERVICES and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXX XXXX  Fully Loaded.
Product: Credit card or prepaid card

I submitted a dispute to Wells Fargo, Disputed ID XXXX, posting date XX/XX/2020 in the amount of {$270.00} I indicated to Wells Fargo that I did not recognize the charge and that I wanted further details as to exactly what the charge was for. 

I received a response indicating that the " merchant name '' for the charge of {$270.00} was " XXXX '' However, " XXXX '' is not a merchant but rather a third party billing service.
Product: Money transfer, virtual currency, or money service

I sent a transaction for XXXX by mistake from my Bank of America account through XXXX XXXX to the wrong person through XXXX with phone number XXXX who appears with the name XXXX XXXX, I tried to communicate with the person and I did not receive a response, therefore, I contacted the bank mentioned above and they informed me that I had to wait three days for the transaction to be completed, after three days I contacted the bank again, and they informed me that they would initiate a investigation and today XX/XX/2023 they sent me a rather unfavorable response via email informing me that they would not refund my money immediately. I contacted the bank and he suggested that I had to inform the police, which It seems absurd to me that a financial institution makes me this type of suggestion when they are clearly noticing the error of the transfer and the only thing they do is suggest to the person to whom the money does not belong and was sent by mistake to return the money and it is rejecting the bank 's request and keeping the money, thus making the bank complicit with a thief since it is receiving and not returning money that does not belong to it and allowing the vulnerability of clients since this type of situation can happen to anyone and in much larger amounts of money.
Product: Debt collection

Enhanced Recovery Collection/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. Enhanced Recovery Collection/ XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. Enhanced Recovery Collection/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # 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 account with my written consent.
Product: Mortgage

We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX  while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
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Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked with XXXX and XXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed