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

I bought the vehicle in XX/XX/XXXX, possibly XX/XX/XXXX. Within 60 days of purchasing it the engine stopped and the dealership had to install a used engine in its place since they said it " blew up '' and was not fixable. From that point I had mechanical problems with the car consistently over the next 3 years which caused me to get behind on the payments. The company ( Ally ) worked with me I thought but after all, I realize recently that every payment that I skipped has added at least a year to the payments. I have tried to discuss what options I have concerning the loan and repossession and I have never received the information I asked for. I have stopped making the payment for 2 months and feel that they should reposses the vehicle and not charge me anymore. I have paid somewhere near {$10000.00} to Ally and have spent approximately {$4000.00} to keep the car running. I do not make a lot of money and I am a single mother. I just want to wash my hands of this vehicle and not have to pay Ally anymore at rate of 17 % interest. Before my husband left in XX/XX/XXXX I agreed to filing bankruptcy to please him which is why my credit was bad at that time. Please help me!
Product: Checking or savings account

My bank allowed XXXX XXXX to charge my card with a different debit card # which was different from my debit card. I switched my debit card off their app and was charged my previous card. I filed a dispute against it, but my banking app chose to side with the company for some weird reason when they said a different last 4 digits on my debit card from my current debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian : Each time I receive a post card in the mail from Experian illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. Experian over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like Experian. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that Experian seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX  which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the XXXX major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing Experian does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery reported the same debt 3 different times in one year. XX/XX/18 for {$830.00}, XX/XX/18 for {$850.00}, sold it to another company who reported it on XX/XX/18 {$870.00}, sold it back to portfolio recovery XX/XX/18 for {$810.00}. I requested proof of debt. It is severely impacting my credit score. Additionally, I had a credit card in collections that I resolved with XXXX  XXXX, but portfolio reported it as collections on XX/XX/18 {$1200.00}. I asked for proof of that with no response. I want these removed from my credit report.
Product: Mortgage

On XX/XX/XXXX, my mortgage with TD Bank was paid in full. On XX/XX/XXXX, they took XXXX out of my checking account for a mortgage that was PAID IN FULL. They also owe me over XXXX for money that was in my escrow account to pay taxes and homeowners insurance. I spoke to customer service on the XXXX and was told a check would be sent out that day. It is the XXXX of XXXX and I have not received anything from this bank. I also need to be paid the interest on all the monies that I would have received if that money was still in my own account. I also need to be reimbursed for postage or the gas that it takes to drive from XXXX Maine to XXXX New Hampshire which is where my Credit Union is located. That is XXXX miles one way, so XXXX miles worth of gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Product: Credit card or prepaid card

I opened a complaint with your agency on XX/XX/XXXX ( Complaint # XXXX ) but your portal does not offer a consumer the opportunity to explain how the process is going. This company ( Black Hawk ) had a representative contact me. Her name was XXXX XXXX. She attempted to help me last week by re-registering the card. She confirmed that the prepaid balance was {$200.00} and encouraged me to try to buy on XXXX again. However, The card was denied AGAIN after I had charged the following charges XXXX {$42.00} XXXX {$48.00} XXXX {$10.00} This credit card company owes me {$84.00} in face value alone. I've worked for many hours on this. Between calls to Black Hawk, the CFPB and XXXX, I've wasted many hours. Please compel Black Hawk to send me a new card that actually works. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX bankruptcy was discharged on XXXX XXXX. I was advised it takes up to 60 days for Mortgage to report to credit bureau. I have contacted all three credit bureaus thereafter and they do not show a mortgage reporting. I contacted Old National on or about XXXX XXXX and was advised they report on the XXXX of the month. To date XXXX XXXX - my mortgage is not reporting. 
This is a major impact on my quality of life and its not acceptable.
Product: Mortgage

Home is in short sale and Select Portfolio Servicing is taking too long to approve current offer. We had prior offer that was canceled XX/XX/XXXX because buyer waited too long for bank to approve. Now afraid current offer received XX/XX/XXXX will be cancelled too because of bank. Bank is requesting documents that have been sent many times for 1st and 2nd loans and they say " not received ''. As of today they say still missing documents for 2nd loan. Realtor has sent many times two sets of documents, one for each loan.
Product: Debt collection

Santander repossessed a car I purchased. The said amount of {$9100.00} is on my credit report. However, after the car was repossessed I was never given the opportunity to redeem the car. According to Georgia Code Section 10-2-36 which outlines that I had options following the repossession. The lender should have notified me of my right to " redeem '' the car within 10 days of repossession. I was not given the option to demand the lender to sell the car via public auction. I was not notified of the date and time of the sale. Since I was NOT given this information I should not be responsible for any deficiency amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Transunion is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXXE Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Product: Checking or savings account

On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX XXXX of XXXX XXXX. He emailed me setting up an interview with XXXX XXXX XXXX of XXXX XXXX  for a graphic design position. XX/XX/XXXX I was contacted and interviewed by someone claiming to be XXXX XXXX XXXX of XXXXXXXX XXXXI. On XX/XX/XXXX I received an employment offer letter containing compensation details and benefit details. XX/XX/XXXX I received a check from them for the amount of {$6900.00} that I was told to deposit and was to be used for training and equipment. On XX/XX/XXXX the check appeared to have cleared and the money was in my account. XXXXXXXX XXXXI then provided a contact phone number to be able to get in touch with the instructor. Then XXXX XXXX XXXX ( or her impersonator ) asked me to make the funds available to the instructor by depositing then into their vendor account. I did this in good faith. Friday XX/XX/XXXX I checked my account and only to find it overdrawn by {$4500.00}. It was overdrawn by that amount because {$2400.00} of my own money was in the account and Wells Fargo used that to cover the loss. Immediately on discovering this I went into a Wells Fargo branch and explained the situation. They seemed to be aware that these types of scams are common they seemed to understand exactly what happened, how it happened, and that I was the victim and not the perpetrator, and are still holding me accountable for the funds. My complaint is that if they are a federally insured institution and wouldn't lose money on a claim like this why hold me responsible? I was even willing to make payments on this amount since I was the one defrauded but they are unwilling to work with me in any way.
Product: Credit reporting or other personal consumer reports

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO EXPERIAN LEGAL DEPARTMENT XXXX I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged 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: Mortgage

On XX/XX/2023, I received a call from XXXX XXXX stating he was with SN Servicing and wanted to discuss our forbearance application we submitted. We talked and I took the following notes : XXXX financing XXXX XXXX ( New Account File XXXX ; only call him ) 1. House listed in default 2. My account been transferred to loss mitigation department 3. We have qualified for the XXXX program 4. He will help lower our payment, interest rates and all past due payments will be placed at the end of loan 5. Tying to approve the modification and error coming up on his end and not letting him proceed through 6. Put on hold 7. The modification was not letting him proceed even though I am qualified.

8. They cant just give modifications out ( reason we were not approved in XXXX ) 9. Must meet criteria 10. Then can finalize modification 12. Error message said escrow is behind 13. Told him I do not have escrow 14. Said he corrected it in the system and approved 15. Placed on hold to finalize loan modification 16. Wants to know what I want to pay for a mortgage?

17. Or lower interest rate? 
18. Either lower payment or interest rate $ XXXX at fixed 2.25 % interest rate 19. 3 months trial payments XXXX, XXXX and XX/XX/XXXX. If all are on time, formal loan modification will XXXX. 
21. Payments will go down to $ XXXX until we pay off loan 22. I must pay first loan modification of {$750.00} today 23. All payments missed to end of loan ( bring account current and out of foreclosure ) 24. After first trial payment, receipt then will get documents in mail, signed for and send back.

25. Once approved today, they can not proceed with the foreclosure 26. Once the payment is made today, the house will be removed from foreclosure status 27. I am qualified for loan modification and he is trying to help 28. SN has not been able to help until now because I did not qualify. 
29. Now I can help out 30. Only call his direct line 31. Call back on main line 32. He can help now because customer at edge of losing their home, close to foreclosure, given first priority for program.

33. Why I didnt qualify in the beginning but qualify now.

34. Pay first payment by 35. Will receive documents Monday or Tuesday in mail by overnight 36. Payments are not made online or over phone 37. Payment needs to me applied as loan mod trial payment 38. Rules of XXXX program, 3 trial payments are accepted ( 1 ) Attorney accept payment with money order and mailed overnight or XXXX. Will take a couple of days to be delivered tomorrow or Monday ( 2 ) or other way is through money service at XXXX. Not required to pay anything else other than payment amount. 
39. Apply payment today on account and complete proceedings on his end, send docs out 40. Call on his direct line only 41. Check with payment department and generate scan bar for loan modification 42. Go to XXXX and show the scan bar code 43. Once I go to XXXX, show bar code and accept payment there 44. Cash or debit card to make payment XXXX XXXX with SN Servicing. Called from ( XXXX ) XXXX Email : XXXX Direct line : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed / authorized credit inquiries I didnt sign applications for. These inquiries arent authorized and I want these disputed. The following inquiries are showing on my Experian profile along with an address I never lived at. 

Address invalid : XXXX XXXX XXXX XXXX TX XXXX Inquiries unauthorized that I did not sign any applications for. : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX/ XXXX XX/XX/2021 XXXX/ XXXX XX/XX/2021
Product: Vehicle loan or lease

I unknowingly had two missed payments for my auto loan through bridgecrest. I always make the payment on the login page and found out after my car was repossessed that they havent receieved payment since the end of XXXX. I was unaware of that and found out they tried contacting me but was with my old phone number. They never tried getting a hold of me via email or mail concerning the issue. I had gotten a new phone and number in early XXXX and got a new number. I was willing to pay off the balance owed but they wouldnt do anything about it and said I would need to pay the car off in full plus other fees. I am appalled that they didnt try contacting me via email when they have my email information regarding such a serious thing. I have now started doing some research and came to find out this company is as close to a scam as it comes. I found out that they have been charging me a {$10.00} daily interest fee since the start of the loan three years ago on top of the huge interest rate I had to agree to st the time so only about {$90.00} of my XXXX XXXX monthly payment was going towards my principal. I have been paying the car off for three years now she still owe over {$12000.00} on a car that I bought for {$16000.00}. These {$10.00} daily fees were never agreed upon when signing the loan and wish I wouldve requested a statement long ago. They dont provide statements for what youve paid and whats left on the loan. I am at a loss of words right now with all this. I bought the car through XXXX and stupidly assumed the loan companies they used were trustworthy. I was very wrong. After the reviews Ive been reading from basically XXXX percent of them, I have come to learn and realize that I was truly scammed. Its very odd to me that I received no email notifications or other form of notifications from them outside of an attempted phone call to my previous number and they now suddenly repossess my car to only send it to auction and then have me pay the difference off of what their loan is. Im very upset about this. I am very good with making my payments and have no idea what the last two didnt go through and how theyre not willing to work anything out with me. I wish I wouldve caught this way earlier and wouldve XXXX percent just refinanced. Thank you for any help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Bank Of America ] ( a ) I have XXXX credit cards with Bank of America. Since XX/XX/2022, Bank of America allowed " unauthorized charges by XXXX XXXX '' to be put on my credit card and " on my new credit card XXXX ''. This charges totaling about {$62.00}. This is a FCRA violation ( b ) Furthermore, bank of America did not report my new address XXXX XXXX XXXX, XXXX XXXX, CA XXXX to all credit bureaus in particular to XXXX XXXX  XXXX