23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I inquired to Carvana to see my XXXX XXXX XXXX XXXX to them, the process was initiated on carvana.com, I entered my vehicle information, odometer mileage, conditions etc, After supplying all of the information ( odometer picture, driver lice picture ) car condition, odometer of XXXX, XXXX XXXX XXXX, XXXX, excellent condition, I was sent an offer of {$20000.00} pending final approval. A few hours letter I received an email stating my offer changed to {$16000.00} due to incorrect mileage information. I contacted Carvana and confirmed that the offer initially received had the correct odometer information and I submitted a screenshot of the initial offer with the odometer as prove. After I spoke with several representatives and being on hold for 2 hours, they advised me that " someone '' entered the mileage as XXXX initially and that's why the offer had to be lowered. I supplied once again the screenshot of the original offer of {$20000.00} showing the mileage entered XXXX and my initial offer must honored as I entered the correct information and showed proof that I did. I called back on XX/XX/XXXX Tuesday and after being on hold again for 2 hours I was told that there is nothing they can do since someone in their dept entered the wrong mileage and the can't approve the original offer even when I did enter the correct information. Carvana offers a high amount to buy your vehicle and 2 i hours later decided to lower the offer without valid reason. Offering consumers false information to attract business
Product: Debt collection

I am writing to file a formal complaint regarding a collection charge off account associated with my XXXX XXXX XXXX and account number ending in XXXX and XXXX which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 2 ) ( a ) ( i ). It has come to my attention that Capital One has failed to adhere to legal obligations concerning the treatment of charged off accounts and the provision of necessary tax documentation. 

Under the FCRA, a charge off is considered income for the consumer and is subject to specific regulations, including the issuance of a Form 1099-C to the consumer for tax purposes. Despite the charge off of my account, I have not received any Form 1099-C from Capital One, as required by law. This failure to provide necessary tax documentation is a direct violation of my rights under federal law. 

Furthermore, the absence of proper documentation regarding the charge off account raises concerns about the accuracy and completeness of Capital One 's reporting to credit bureaus. As a consumer, I have the right to accurate and fair reporting of my credit information, and the failure to provide essential documentation undermines this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 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 has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I applied for a Loan Consolidation and a XXXXncome Driven Repayment plan on XX/XX/2023. I have been attempting to contact Edfinancial once a week ever since then as both applications listed below are pending due to waiting to receive documents from Edfinancial. Like everyone else my student loans will start again in XXXX. I'm attempting to contact Edfinancial to either get them to send the documents or allow my loan to be in deferrment until they are able to process my application ( which states 28 days to complete and we are well beyond ). Each week I call and the wait time is above XXXX minutes, I wait as long as I can, but I never get through, when I give up on hold, I attempt to use their call back option, however, they have not returned any calls. I have emailed each week and they do not respond. I attempt their chat option and live representatives are not available only automated responses that are unable to help. It has been 2 months with over 10 different attempts vial email, phone, and chat, and I have exhausted all other options.
Product: Mortgage

The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX  Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.
Product: Credit card

I have XXXX cards with synchrony. Tj Maxx, Amazon and park west. I have not used my tj Maxx card in many months, never missed a payment on any card, never make minimum payments and pay them down regularly. I used my tj maxx card for {$110.00} that had a, I think {$1200.00} limit and then the next day they reduced my limit to {$120.00}. This made my credit utilization basically 100 %, it was {$100.00} I just paid it off. They also did this to my Amazon card. It had a {$5000.00} limit. There was a balance of I think {$2400.00} on it which I pay regularly, large payments on. I spent {$300.00} and the next day they reduced my limit to {$2800.00}. With a {$2700.00} balance, this put my card utilization at basically 100 %. How is this legal? How do they not have to give you 30 days notice so that it's not damaging to your credit. The letter they sent said I had high balances on my cards, I do on one because it's interest free and I had just paid for a vacation on another so it was high for a few days until I made a payment. By allowing them to do this without giving any notice based on high card limits for other cards it creates an incredibly damaging chain reaction. So what they did is put XXXX cards at 100 % what if that decision caused my other card companies to do the same so then everyone reduces my limit to what I owe, now all my cards are at 100 % usage with out me even having notice or an opportunity to pay anything down and it destroys my credit. This is completely unethical. They should be required to give 30 days notice. Like hey we're reducing your limit to what you owe in 30 days so you need to pay down what you can so it doesn't have a negative impact on your credit. Is there someone that can fight for this change. People work a long time to build their credit and some store card can just ruin it all in a day. None of my other card companies have lowered my limits because I always pay but that doesn't mean that this hasn't impacted my credit because this happened without giving me the notice or opportunity to address it before it could. Please help me and every other hardworking american not be a victim of this terrible business practice. What can I do? Who can I talk to about making this change? 30 days is a reasonable request.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX - XXXX - {$0.00} XX/XX/XXXX- XXXX - {$0.00} 01 XX/XX/XXXX - XXXX XXXX {$2600.00} 11 XXXX XX/XX/XXXX- XXXX - {$550.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Money transfer, virtual currency, or money service

TODAY XX/XX/XXXX XXXX time I received an email from Paypal that they permanently suspended my new created account for unknown reason. They said theres a suspicious activity on the card that I used which is link to my 3 different bank accounts This is my Email ID : XXXXTHis account is under XXXX XXXX XXXX but the docs submitted are all mine. I created this account for work related purposes but since hes just starting for work and no government issued ID and needs to create a paypal account I created one for him which includes my ID in it and they are all link to two of my personal phone number and bank but thats all with my permission. 
This 2 accounts are under my name and submitted all my valid ids such as passport XXXX XXXX, Bank statement, Proof of address Selfie picture holding my bankcards. But still I end up in 180 days limitation XXXX XXXX I tried to contact them via XXXX, through chat and email also over the phone and all of them tell me the same thing that this is final and they cant do anything about it. Theres no way of using the money until 180 days. Please help me. Im just using this for work and online purchases. Now they blocked my account I wont be able to receive money from my part time job since It will just gon na add up to my suspended account. I explained to them that and showed all the proof to lift the restriction. I have enough proof to re-review the case but still I ended up with the same resolution. This case really impacted me a lot. I have all the earnings transferred to that new account. And I dont know how to proceed from here. Please help me : (
Product: Debt collection

A few numbers identified as belonging to Harris & Harris have called me on many occasions to leave the same, automated message. I have not received any letters from Harris & Harris and am not aware of collections activity on any of my accounts. The call usually comes from ( XXXX ) XXXX and so far I have had 20 voicemails since XXXX with an automated message that just tells me to call them back. I have not called them, as I have no reason to believe there is a valid claim and I don't want to be caught in a scam. They are not even specifying who the intended recipient is. 

I have attached a partial call log showing the voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account not a  Student Loan Education Ac count, and they are not showing as current. I have been making automated payments since    XXXX   XXXX   XXXX    faithfully in the amount of {$200.00}, but in  XX/XX/XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due  '' with no payment listed as " OK '' it has a " C '' which represents Collection.     The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXXXXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} ) , XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I do not recall applying for credit with these companies, as a result I would like them removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a phone call from Western Finance of XXXX, Georgia, at XXXX. I told the representative that payment would not be made today, however, payment would be made on XX/XX/XXXX. The representative, XXXX, immediately hung up. Approximately two minutes later, XXXX called. She told me that it is my responsibility to pay my bills. After repeatedly asking if I could make the payment, and refusing to allow me to speak with the office manager, she too, hung up on me. I have done business with this company and never been responsible for a late payment. Due to medical reasons, which are documented, I needed to delay payment by 8 business days. I was talked to as though I am less than human, called repeatedly, and hung up on. These practices are unprofessional, as well as predatory. I would not recommend doing business with this company in the future.
Product: Credit card or prepaid card

Money Network Dispute Claim # XXXX I had disputed a charge against a merchant for {$100.00} upon discovering they charged my other credit card for the same exact thing. This transaction was disputed as Paid for by other means. The bank refuses to credit me for the funds, stating, Based on the results of this investigation, your claim has been denied due to the dispute is considered a civil matter between the card holder in the merchant. They did not provide any reason whatsoever for denying my dispute. And there cant be any valid reason, as I showed them clear supporting documentation of my other bank statement showing the same merchant, the same amount and the same date. I had disputed a couple of transactions in the past, also as Paid for by other means, and provided Money Network with my other bank statement, and they found in my favor. There was no this is considered a civil matter. So why would this one be treated any differently?? Its the same type of dispute, and I showed the same type of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Product: Debt collection

XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX  - {$270.00} XXXX XXXX XXXX XXXX {$1400.00XXXX XXXX XXXX XXXX - {$300.00} XXXXXXXX XXXX XXXX XXXX {$300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made 3 phone calls today alone to Experian to speak with an agent and their stupid computer would not let me talk to anyone and no matter what avenue I used she hung up on me.
Product: Mortgage

Nationstar Mortgage bought my loan two years ago. I have always had my home owners and flood insurance paid on my loan. when the renewals were up, they paid my premiums with out any notification to me. Rejected my Flood Insurance from XXXX stating " It did n't meet there level of coverage for the home '' Now my payment went up {$400.00}. When I call them to question them about this I am put on hold at least 35min. Then once I do talk to a rep, they give me the run-around, and misinformation. They accepted then rejected a flood policy sent from Nation-Wide insurance which insured the home for the value of the building. To add insult to injury, I received an initial letter from them stating that any payment that had been sent to XXXX XXXX XXXX ( Previous Mortgage holder ) will be credited to my new account with NationStar. It was not credited and they deny receiving it.
Product: Prepaid card

I received a {$100.00} American Express gift card from work for XXXX. I tried to use the card in several places gas stations, stores and online but it kept getting denied. I went to the website XXXX for activation, the website kept giving an error. I called customer support and was on hold for a little more than an hour, they said they could not activate the card either and they will send a replacement in XXXX business days. After receiving the new card I tried again, and still could not use it or access online balance or activation.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account that does not belong to meXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to XXXX and Experian. I have advised XXXX and Experian this is not my account or debt. The opening date that both XXXX and Experian is reporting is XXXX. I was a monor at the time I was only XXXX old. I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one-man financial 11/29/2021
one-man financial 11/03/2021
Sarma/NCS Jun 02,2022
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX charge-off Balance : {$3800.00} XXXX XXXX charge-off Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX