23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a initial complaint to the cfpb pertaining to falsely furnished collection accounts on my consumer reports by Experian, and on XX/XX/2021 the certified mail was shown delivered with return receipt, and on XX/XX/2021 XXXX XXXX XXXX XXXX account # XXXX and on XX/XX/2021 XXXX XXXX XXXX account # XXXX got deleted from my consumer report, Experian is now in violation of 15 usc 1681n ( b ) Civil liability for knowing noncompliance and I am entitled to {$1000.00} per violation, deletion is admission and Experian deleted both falsely furnished accounts that put a financial burton on my life, ruined my credit reputation and also my life, there is 2 violations so that is {$2000.00} ive also attached the affidavit of truth invoice and proof of what i am stating is indeed true
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed inaccurate information. Kia Motors Finance is reporting a debt in my name ( XXXX ). I have never owned a XXXX and have asked them to provide proof that this account is mine whih they have refused to do.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice there has been a charge off closed account on my credit report that's closed, but currently reporting active payments which has harmed and neglected my credit profile .I 've tried reaching out to this company regarding this issue as well as the lender and I've not had a successful chance with resolving this XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OF CHARGE OFF XXXX XXXX CHARGE OFF AMOUNT {$16000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name : # XXXX Account name : # XXXX XXXX Account name : # XXXX  XXXX XXXX Account name # XXXX XXXX ( charge off ) Account name # XXXX XXXX Account name # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 SECTION 2 it also states a consumer reporting agency can not furnish without A written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at the Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. The account listed below should be corrected straightaway : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with XXXX XXXX XXXXXXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/2023. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, XXXX and Experian credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, an unauthorized person gained access to my US Bank Reliacard account for my unemployment compensation. It took a few weeks for me to become aware of this as my card was being declined and even though I called US Bank it took a few calls before the customer service agent at US Bank made me aware of it. My memory of that call ( which us bank says they record so it should be available ) is that the USBank Reliacard representative concluded that access to my account was gained because the unauthorized user was able to get the email address updated to a fraudulent account. I never received an email ( at my actual email address ) or text from US Bank verifying that I had approved the change and I believe that is because the change was made by a representative of us bank and not on their website. 

On that day of the call noted above, the US Bank representative initiated a claim. When I received the US Bank Transaction Dispute form by Mail, I competed it and returned it. I have not received any updates from US Bank. They will not allow me to speak with a representative in their fraud department. They know where the {$2000.00} was sent because the fraudulent bill pay was processed through their system and the details of that transaction show on my online account. I have called multiple times and continue to be told the time for a credit is 45-90 days. If this were a credit card charge that was being disputed they would put the charge on hold until the situation is resolved. In my case, it is {$2000.00} of cash stolen from my Reliacard account so I cant use that money until they come to a conclusion. 

Based on my understanding, this is a US Bank problem. Someone aided an unauthorized persons access to my account. That unauthorized person used the US Bank system to setup a fraudulent payee, setup a fraudulent payment to that payee, and process that fraudulent payment. US Bank has all of those records, records of all of the phone calls, presumably including the fraudulent call by the unauthorized persons which got them account access. US Bank doesnt need to withhold my money for 45-90 days while they investigate their internal security issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a registered letter to Equifax regarding incorrect information on my credit report still showing. I started this process 1 year ago with other complaints but still receive the standard cut and paste notes sent back to me. None of the information has been verified and I keep getting told to contact the creditor and court myself which I have done and it was cleared on my other 2 reports, XXXX and XXXX. The frustrating part is that this is the same company who leaked my information to the public causing me 4 years of credit watch and people applying for credit under my social security number. I have had to keep my credit file locked and monitored through two companies for over 5 years. I have also had my information access that my government job which I worked for at XXXX XXXX XXXX alerted me and they had to monitor my information so no one tried to access information from my access information with XXXX XXXX. This has been a part time job turned full time with Equifax playing with my life. I am also part of the class action law suit against XXXX, Equifax for leaking my information. I have even received calls from people applying for jobs under my social security information. Luckily these companies and SS did their job by locking my information from being accessed. It seems that Equifax uses a third party entity instead of verifying information themselves. I find that disturbing also letting a third party company have access to my information without my permission. I understand that Equifax works for its companies and not for the consumer but it is frustrating to be a private citizen held hostage by their poor reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had XXXX mortgage with the company. All of the automatic payments were set to draw from my XXXX Checking account ( XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. XXXX tried drawing the funds from a XXXX account that I had closed in XXXX of 2019, instead of my XXXX Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was XXXX 's, but they refuse to correct the error on my credit report.
Product: Checking or savings account

On XX/XX/year> Wells Fargo allowed someone to call in over the phone a transfer money from my savings account to my checking account in the amount of {$3500.00} dollars .After doing so there was XXXX fraudulent charges in the amount of {$3700.00}. The XXXX  fraudulent charge was at a law firm in the XXXX XXXX for {$2800.00} dollars and the second fraudulent charge was at cool vibes store in XXXX Ohio for {$970.00}. I wasnt notified about any of this activity until I went online myself an seen it
Product: Money transfer, virtual currency, or money service

I went to a local store to send my father XXXX through western union in XX/XX/2020. I received a transaction number and receipt. When he went to retrieve the funds the MCTN number was invalid. I contacted Western Union who confirmed an issue with the number and gave us a new transaction number. It still was invalid. I emailed western union who stated the funds are available for a refund and gave me a new transaction number. I was directed to return to the merchant with my photo id and the new transaction number for a refund. When they attempted to look it up, the transaction was invalid. 
I was told I would receive a check in the mail, but I have not, and was told again that the refund is available. 
I have sent numerous emails with out a resolution. Western union has tied up XXXX of my money since XX/XX/2020. All I want is a refund.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I filed a complaint with cfpb ( complaint # XXXX & # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX, they ran my credit without my permission, and I was not there to purchase a vehicle nor co-signing for anyone. I was with a family member, XXXX XXXX, who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/XXXX. The salesman brought back re- written contract with a higher interest rate of 15 % and $ 900 monthly payments. I immediately told my son not to sign that paper. We told the salesman what he did, and we excused ourselves and left. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had XXXX hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. XXXX of the XXXX finance companies who unlawfully ran my credit without permission were XXXX XXXX, and XXXX XXXX are still on my credit report. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality. See my son, XXXX XXXX 's approval letter attached.
Product: Credit reporting

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Product: Checking or savings account

On or around XX/XX/year>, my checking accounts was restricted, and I had no access to my accounts, and I was told that I need to submit identity verification, to being told I had 2 profiles in which I do not. I submitted appeals and no response from those appeals.
Product: Credit reporting

I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that Navient has updated the status and reported correctly with only XXXX. Navient hasn't reported correctly on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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