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

Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.
Product: Debt collection

XXXX XXXX XXXX  called myself and my daughter 's phone stating they needed to contact me to server legal papers for a financial lost for a company. When I question the agent she gave me XXXX different companies, first Chase bank and then XXXX. The amount that was given that was due was XXXX. The agent stated that payments were made on a regular bases from XXXX to XXXX. I stated to the agent that I have never had a credit card with either banks. I reviewed my credit report and my bank statements and no payments was made to these banks. I advise them to not contact me and to provide original documents to show that I had an account with the bank. Today, XX/XX/XXXX, they left a voice stating I needed to contact them or I would be served. As of today they have not provided me with any information/documents to show that I owe this debt. 

On XX/XX/XXXX they send and email wanting to set up payment or payment arrangement. Today they called and left a voice that I needed to contact them or be served for the debt.
Product: Credit reporting or other personal consumer reports

My credit report has been breached by data of mine from XXXX XXXX XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/XXXX Discharged XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX Discharge How can dismissals be verified
Product: Credit reporting or other personal consumer reports

This is my third attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Student loan

I sent a letter and an email to my private student loan provider- Firstmark a division of nelnet requesting an application for student loan discharge for my remaining student loans based on predatory loan practices by my school, XXXX University, previously owned by XXXX. I entailed a list of predatory practices and reported multiple times the offering of private student loan discharge by multiple private student loan providers. Additionally, I was explicit regarding nelnet being part of my loan provider over 10 years ago. I received a short reply stating there was no confusion regarding my loan type, and that it was a private loan. There was no reply regarding an application for student loan discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit 27 times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit 10 times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States i have the right to privacy.

15USC 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for the purpose.
Product: Checking or savings account

On XX/XX/XXXX I contacted Cashapp via their chat support through their app. I submitted a dispute for a hotel stay I booked, but had to leave and did not stay because of the condition the room was in. The room advertised was not the room I was put in, was infested with roaches, and was under construction. XXXX XXXX, XXXX XXXX XXXX FL. I explained this in the dispute form. Since then I have asked 10 different dates for a status of the dispute, eight of those ten times I received auto responses stating they have escalated my dispute. Those dates are XXXX. The dates on XX/XX/XXXX are correct twice that day they said they escalated my dispute. On XX/XX/XXXX however prior to XX/XX/XXXX I received an email stating my case was closed because a response was provided or they have not heard from me in three business days. 

Lets back up a second, first they did not inform me this would go beyond the ten days for resolution, so they did state they had 45 days, yes that is true my 20 years of banking I do know that, however they did not offer or say they would provide me provisional credit for the time being. Correct me if I am wrong but does not REG EE state an institution can go beyond the 10 days I think it is to 45 days provided they offer provisional credit to the customer? I have no such offer. They have still not resolved this and all I got is auto responses most of the time, responses from real agents but you can only communicate through chat. It takes two hours for them to respond, by then I am off to something else, by the time I read the message they left the chat box having me to start all over again. Their practices should definitely be reviewed, I know for a fact they should be in violation of federal regulations. Finally they responded with the response provided from the merchant citing, " the hold off debit card was removed, so we ( we being cashapp ) are not sure what is the issue? '' How about that was never my issue to begin with, how about they read the dispute and know what it is the process they have in place. If I am able to upload the chat box conversation just be prepared to be mortified on how they handle these disputes. 
The Cashapp reference number associated with my claim is XXXX
Product: Debt collection

{$520.00} amount ... XXXX XXXX XXXX  original creditor ... opened XX/XX/2020... I called to dispute
Product: Money transfers

I needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open one because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him a name and details of his friend in XXXX, XXXX who will receive the wire transfer money from me. Once the beneficiary receives the money, he will call my boyfriend 's friend to confirm that he receive the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. So on XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his XXXX Bank account in XXXX. But after an hour or two, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said it was already debited from my account and was already sent to XXXX Bank. So my bank called XXXX Bank to request for a call back funds. 
XXXX Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX 's XXXX Bank account. But because XXXX Bank can not get hold of XXXX XXXX, XXXX Bank closed his account so that he could n't withdraw the money. 
XXXX persons from XXXX Bank called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 
Every time I made a follow up, my bank said they have not received a response from XXXX Bank. I was too worried because my boyfriend needed the money. 
So on XX/XX/XXXX, I sent a letter to XXXX Bank to please send me back the money. But XXXX Bank did not reply. Again on XX/XX/XXXX, I sent a follow up letter but still no reply. 

Please help me recover my {$12000.00}. I just borrowed that money from a close friend. Hope you can help me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, ad Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

SunTrust XXXX XXXX - Please kindly accept this as formal notice, requesting the termination and closing of Account ( s ), resulting from SunTrust Mortgage , Inc. failure to repay its Funder sums owed rendering a default upon Account. The undersigned have no obligations or liabilities owing to SunTrust Bank, or SunTrust XXXX XXXX, therefore it is understood, SunTrust XXXX XXXX will return to the undersigned, by transfer, securities and property in Account ( s )  and will no longer accept orders for the transactions after receipt of this notice of termination requesting the closing of any and all Accounts. These accounts would include securities and property recorded upon the XXXX XXXX County Registry and identified as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Carolina XXXX and XXXX XXXX ( fka XXXX ) XXXX XXXX XXXX XXXX, North Carolina XXXX.
Product: Debt collection

I had a payment plan back in XXXX that was supposed to go from now on to pay off the debt with the original collection agency and then I noticed that none of my transactions for biweekly payments were processed. that being said I contacted XXXX XXXX   the debt collection agency and they told me XXXX XXXX XXXX recalled the account debt. This new debt agency had failed to contact me via cell or my mailing address accurately however the old debt collector did and so when I contacted the new collection agency they told me they tried to contact or notify me and they put it on my credit report as delinquent as when in fact I have been attempting to make payments so as a result my credit score has suffered greatly. My previous debt collection agency had no information on the new collector whos name is enhanced recovery company and they also increase my debt total
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : XXXX XXXX : Inquiry date [ XX/XX/XXXX ] XXXX : Inquiry date [ XX/XX/XXXX ] JPMCB CARD : Inquiry date [ XX/XX/XXXXXXXX  ] XXXX  : Inquiry date [ XX/XX/XXXXXXXX  ] XXXX XXXX : Inquiry date [ XX/XX/XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA. 

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

Good day, I 've spoken with Equifax regarding XXXX addresses that should have not been placed on my credit report over one month ago. The day I 've disputed they told me those address are no longer on my credit report. I review my credit today and have noticed all XXXX addresses are still there.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ), is in possession of a Paypal Credit loan, according to Paypal 's records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, Paypal Credit reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use XXXX. He placed a number of orders with an XXXX orders running into the thousands. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Balance : {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the XXXX XXXX. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Account ID:XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates. https : //www.e-oscar.org/getting-started/about-us ).

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.