23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Based on my research, I have experience a difficulties and mis communication in regards to taxes and insurance which I was directly to pay accordantly and on time, which I have been paying the taxes and insurance on time in timely fashion. However I have been sick prior toXX/XX/XXXX. I'm not late on my taxes and insurance. 

I was previously offer a modification with a servicer who I have a reverse mortgage currently with. I according to my research, I was told that If I'm in reverse mortgage I shouldn't be offer a modification, because servicer pays the mortgage. I'm responsible for only paying the taxes and insurance which is update. 
I have paid the servicer {$30000.00} by certified checks and nothing has been applied to my account and still want me to pay additional {$15000.00} which is in question, If not I would be put into foreclosure. There are several ultra violation and RESPA / Truth n Lending /Preditory lending practice/Dodd Frank Act.
Product: Debt collection

EASTERN ACCOUNT SYSTEM has reported a debt for collections although debt has been paid in full.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt on there. I called immediately and settled this. I was very confused because I had settled this account before it did charge off so I wouldn't have to worry about that. I however, was unaware about any remaining balance on that account. When I spoke to the representative I let them know that I would like to settle the full amount and thought that was done with. However, I ended up paying the charged off debt for {$45.00} that I was not aware about. I never received calls or notices about it. I ask that Capital One please remove this from my credit as it was their mistake.
Product: Debt or credit management

XXXX called claiming to be a Bank of America representative, and that they had noticed suspicious activity in my account. I do not even have a Bank of America account. Individual called from number XXXX. After I revealed his ploy, he started using profane language in XXXX and XXXX, at which point I ended the phone call
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation.

Due to the recent data breach at Equifax, I am particularly concerned about the accuracy of my credit report. Recently, Equifax announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation.

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score from Experian consistently ( for years ) VERY different from the other 2 agencies : XXXX  and XXXX.

For example right now my credit score are XXXX at both : XXXX  and XXXX. and only XXXX at Experian ... .. 

I have contacted Experian by phone many times about it ( because there is absolutely no way to do it on their website ) with no results. 
They are just ignoring me every times I call. 

Experian representative always are not willing to discuss anything when I am saying why my score are XXXX! points lower with you? They are saying : " everything is correct on our side ''. 
How it can be such a huge difference for years?! 

Please help because it seems like Experian thinks they are above the law and don't need to explain or fix anything to a regular consumer but ... we are country of Law! 
Please help me. 
Thank you very much. Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved. I do not have knowledge or obligation to the account. Nothing has been given or shown to me that this account was investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to remove charge of statuses from XXXX and both XXXX XXXX XXXX  accounts. I have disputed on several occasions and provided documentation to support inaccuracies. None of these accounts were part of a bankruptcy at any time.
Product: Vehicle loan or lease

I went to purchase a car in XX/XX/XXXX. I was coerced into a predatory loan and finaced by Santander Consumer USA Inc. The interest rate is 23 %. My monthly payments are {$600.00}. I can not afford that payment. The Company knew that i did not have much income at the time of purchase, yet it qualified me somehow and stick me with this high payment that is on the road they calculated for default.
Product: Student loan

Navient has continually harassed me since I finished my program. They call up to 8 times daily and when I've told them I need lower payments they say they can't help and have even made derogatory comments such as " well you signed up for financial aid and we can't help that you're divorced now ''. They are completely inflexible, aggressive, rude and harassing. I can not afford to keep them happy so I've considered changing my phone number. This company deserves to be sued into oblivion. It's a truly predatory company, if there's ever been one.  Students are better off without them and I regret using their services as I'm harassed daily.
Product: Credit reporting or other personal consumer reports

I recicived my TransUnion report and noticed some inquiries I did not authorize to be on my credit theses inquiries are not tied to any open accounts I've called multiple times to TransUnion sent in letters and they continue to ignore my request. I was told multiple times the account would be removed but nothing has happened a representative of the company told me to send in FTC report, and I did now I'm being told to do it again this isn't fair to my creditworthiness and is affecting me please remove inquiries from light stream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681b states your agency needs permission to report anything on my credit report and I did not authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested free annual credit and found issues with wrong addresses and miss spelled names I never used. I was able to request a fix with the first two credit reporting agencies XXXX XXXX and XXXX with little issues. However when I tried to fix on line with Experian I was given a 1800 number to call after I request the address to be corrected online. I Called the number and all they wanted me to do is buy another service once I told them I did not have a membership and was disputing information they were reporting .They placed me on hold and transferred me and I waited and then another person answered on to say she had to place me on hold and to transferred me this time I was over 45 min. Then another person picked up and I told her the same info and she also just wanted to transfer me. At this time I was frustrated and wanted to speak with a manager .When I requested a manager she transferred and then hung up on me. I tried three times to fix the miss leading information dealing with incompetence of Experian. I want my information corrected and I believe credit agencies need to be forced to provide better means of disputing issues on credit reports. This issue started by the usps mixing my father and me up and reporting that the information.
Product: Vehicle loan or lease

Dear CFPB representative, I am reaching out to file a formal complaint regarding Teslas recent denial of the {$7500.00} Federal EV Incentive that was initially applied to my vehicle purchase. This unexpected reversal has created an unfair financial burden and seems contrary to the terms under which I agreed to the sale. 

When I placed my order in XX/XX/year>, XXXX included the {$7500.00} Federal EV Incentive as part of the purchase price, alongside the {$3500.00} Massachusetts State Discount. These incentives were clearly presented in Teslas own records, and I have attached supporting documentation, including screenshots from the Tesla app and payment receipts, which show that both discounts were confirmed at the time of purchase. 

However, Tesla later informed me that the Federal EV Incentive was denied and is now requiring me to refinance the vehicle to account for that amount. I had already made my first auto loan payment, and the contract was fully signed and approved. Despite my attempts to resolve this matter directly with Tesla, they have denied my request to honor the original incentive, leaving me no choice but to seek further assistance.

I respectfully ask your organization to investigate this matter and ensure Tesla adheres to fair business practices and consumer protection standards. This situation has placed undue financial strain on me and calls into question the transparency of Teslas sales process.

I appreciate your attention to this matter and look forward to your guidance. 
At the time of the transaction, the following discounts were applied and confirmed : Federal EV Incentive : {$7500.00} Massachusetts State Discount : {$3500.00} These discounts were crucial to my decision to purchase the vehicle and are documented in the attached records. However, I was later informed that the {$7500.00} Federal EV Incentive was denied. Following this, Tesla reportedly settled the outstanding financing Auto Loan balance with the XXXX XXXX, but I am now being asked to refinance the vehicle including the {$7500.00} amount. I find this unfair, as the discounts were a determining factor in my purchase. 



Below, I have outlined the payments made thus far for your reference : Payments to Tesla through different accounts : {$6400.00} via XXXX XXXX XXXXXXXX on XX/XX/year>. 

{$990.00} via XXXX XXXX on XX/XX/year>. 

{$35.00} via XXXX XXXX XXXXXXXX on XX/XX/year>. 



Payments to XXXX XXXX XXXXXXXX loan : {$610.00} via XXXXXXXX XXXX  on XX/XX/year>. 



Sincerely, XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX, we contact XXXX XXXX ( XXXX XXXX about a purchase made directly with XXXX. After nearly a month of fighting with XXXX to fix our washer and dryer due to an install issue it still goes unresolved. At the time we asked for a billing dispute and advised we have case numbers and email thread with proof we have been trying to resolve this. We have receive no communication from TD Bank other then we will need to continue to make payments on the disputed amount till the issue is resolved. On XXXX, we called TD Bank for an update and received the info that the dispute had been resolved in the favor of XXXX as we never contacted their support.

Yet have multiple case numbers dating back prior to the date of the dispute. 

XXXX XXXX XXXX : XXXX ( no follow up from XXXX or their install company ) opened on XX/XX/2023. 

XXXX XXXX : XXXX opened XX/XX/2023 So TD Banks billing dispute statements are false they state we never contacted XXXX support however we have multiple times. Before the dispute was filed. 

We feel that TD Bank is not acting in the best interest of their customer and acting in the best interest of their finance partner XXXX as they have not reached out asking for additional information or even provided follow up without our engagement. 

To date we have had a tech come out find that it was an installation issue that needs to be fixed by the installation company which was hired and supplied as part of the original sales agreement with XXXX. This has not happened and we can not get XXXX to honor their part of the contract.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Debt collection

ALLIED COLLECTIONS SERVICES XXXX XXXX XXXX XXXX XXXXXXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX. How is this possible? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is this possible? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$700.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$390.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Product: Credit card

My discover it card was proved about three month ago and it was closed unexpected. The company said the address in the requested form submitted to IRS has problem. I only have one address in US and Im a visiting student so I dont have real income and tax payment record. All fundings is supported by my XXXX sponsor. After calling for help, they told me to reapply. But it doesnt work any more. I am still wondering what happens to IRS and hope this wont affect my credit score.
Product: Bank account or service

I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all. 
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this. 
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account. 

Thank You
Product: Credit reporting or other personal consumer reports

Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically TransUnion, XXXX and XXXX. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open my XXXX  XXXX card bank in XXXX they are saying i open in XXXX under the fdcap it is more then 7 years old the account and needs to be removed they have never sent me any proof that the account is from XXXX they have force up date the system to be that date when i contact the debt collector it even plays a message telling me this account is 7 years old and can no longer be collected on i would like it removed from my credit report or i will file a law suit