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

On XX/XX/XXXX, my wife and I ordered a Tesla XXXX XXXX with an anticipated delivery date of XXXX XXXX. However, we were initially excited to learn that our delivery date had been moved up to mid XX/XX/XXXX. While we were excited, we needed to figure what to do with our currently leased vehicle which was not due back until XX/XX/XXXX. Furthermore, as we saw in the news, Tesla was looking to complete sales by year end we were offered an " incentive '' to take delivery before the end of the year. The " incentive '' was {$3700.00} ( which went up to {$7000.00} a week after we took delivery of our car ). With that being said we were somewhat disappointed we were not offered the {$7000.00} " incentive. '' Fast forward to Friday XX/XX/XXXX, and we come to learn that our vehicle 's price had now dropped from {$64000.00} to {$55000.00} ( plus tax ) nationally. Since then I have made two phone calls to Tesla to express my frustration and feelings of being defrauded by the company. The 2nd phone call I waited 2.5 hours on hold just to speak to a representative. Both representatives ( XXXX XXXX XXXX XXXX XXXX - In-Bound Team XXXX Region ) explained that there is nothing that they can do and they understand my frustration. Nonetheless, I feel as if this " incentive '' scam was an effort to milk as much money out of customers before the prices would change in less than 30 days. Even more frustrating, after a review of my paperwork, I could have delayed picking up the vehicle for 30 days without penalty ; and since my delivery date was XX/XX/XXXX, I could have delayed picking up my vehicle and fallen under the new pricing. 

While I do understand that prices change, this effort to " incentivize '' customers to take an early delivery of their car so they could make more money from my family, feels like a complete scam. When I asked how this creates any type of brand loyalty, both representatives were unable to answer my question with any honest sincerity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with Experian and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXX XXXX XXXX XXXX  XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX {$520.00} Original creditor : XXXX XXXX showing opened date of XX/XX/XXXX- but XXXX Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Product: Student loan

I requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DEMANDING THAT XXXX AND LEXIS NEXIS AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - originally reported an account to the Equifax. It was a apart of an auto accident which settled. As a part of the settlement they agreed to delete the account from my credit file. They received the payment and removed the collections from their account and requested it to be removed from my credit report in XX/XX/2018. As of today, Equifax is still showing the collection. XXXX XXXX along with myself contacted Equifax. They stated they are still showing XXXX XXXX  reporting it. XXXX  stated to Equifax, it is not showing on their end and they are not reporting it. They sent a letter to Equifax requesting it be removed completely because it should not be reporting at all. Equifax is refusing to remove the collection. The amount is for {$31.00}. The original debtor was XXXX. Even through escalations to a supervisor and manager within Equifax, they still refuse to remove it even though XXXX is demanding it be removed.
Product: Credit card or prepaid card

On XX/XX/2020 my Bank of America card closed with a balance of {$2.00} ( my credit limit is {$2000.00} ) I had an available credit of {$1900.00}. I made XXXX  purchases totally {$780.00}, leaving me a available credit of {$1200.00}. I made a payment of {$260.00} which should have brought my available credit to {$1400.00}. However, I had an available credit of {$1200.00} and my purchases for {$1200.00} was declined. I made a another payment of {$25.00} and my available credit showed as {$1200.00}. When my available credit should be {$1500.00}. I made a called to BOA twice first time I spoke to XXXX from New York who was XXXX and argumentative. So I asked to speak to a supervisor he connected me to someone's voicemail. I called BOA the second time and spoke with XXXX and she was unable to assist because she stated she was unable to assit. My payment for {$260.00} is missing and I want them to correctly credit my account, my available credit should be {$1500.00}.
Product: Prepaid card

RUSHCARD : I have been unable to access my funds for 2 days. A deposit that was supposed to be made, has n't. I am in dire need of my own money that I work very hard for.
Product: Credit reporting or other personal consumer reports

I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 611, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report. 
Specifically, I am disputing the following inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.
Product: Credit reporting or other personal consumer reports

I am filing a complain against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting XXXX XXXX which mandates a reasonable investigation of disputes.Futhermore Equifax actions XXXX also contravene the Consumer Financial protection Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the XXXX recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I had a prepaid American Express card that was issued by XXXX XXXX. In XXXX of 2018 my card was stolen by an individual I did not know. I filed a police report when I found out that they had used my card at several local places as well as online. I filed several disputes over the last three years with American Express, even sending copies of the police reports and online purchases that showed a different name than mine, and American Express continues to claim that the merchants showed these transactions were valid, even though they were not my purchases and that my card was in fact stolen. Camera footage also shows that the person using my card was not me. The person who stole my card was arrested and admitted to the crime ( all in the police reports submitted ) and American Express still claims that I am responsible for all these charges and will not return my money.
Product: Debt collection

Capstone Collections out of XXXX, FL. Their phone number is XXXX, Fax XXXX. Their address is XXXX XXXX XXXX, XXXX, FL. XXXX. 
They have been harassing me by phone in the past and are extremely unprofessional with resolving this false claim. They are falsely claiming that I owe them {$3100.00} to be paid to XXXX XXXX XXXX XXXX for not providing a prior 60 day move out notice, which was indeed provided and logged into the property managers computer in front of me in person due to my need for permission to get a full tractor truck onto the property for relocation by our employer. I rented a XXXX apartment unit for several years at XXXX XXXX. Capstone told me to prove that that we gave a signed 60 day move out notice from 5+ years ago, and to contact XXXX to get proof to resolve their collections and they will not stop the collection until I pay Capstone. This continues to show negatively on my credit report and I need it resolved asap. They claim that we did not give the FL. statute 60 day prior move out notice before we ended our lease. We did not break our lease and we did certainly indeed give a written Word document signed with more than 60 day notice to the assistant property manager at the time, XXXX. We never received a receipt for submitting a written 60 day notice from XXXX XXXX or XXXX XXXX, the process was to have it noted on our account. We did sit with XXXX while she put the notes from our written notice into the computer under our account. We were both witness to that. I have our lease document copies which I showed you showing a XXXX   balance when we moved out and we received our full deposit returned to us as well. We also gave her the name and date that our movers were scheduled to come relocate us at the end of our lease date so that we would not have issues with a large moving truck blocking our neighbors. After moving out, we also did the final walk through with assistant property manager and she stated that our unit was the cleanest move out she had ever walked through. We then gave her our keys and had a zero balance form printed out and given to us. I had our unit thoroughly cleaned and even paint touched up before moving out. The original creditor Capstone is fraudulently collecting for is now out of business since XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX.Capstone Credit & Collection , LLC is falsely attempting to collect a made up debt without proven  documentation for a creditor that does not exist anymore.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Received advertisement meant to misled recipient into believing that 1 ) there are new benefits available as part of my existing mortgage program ( rather than a refinance ) that will allow the deferral of payments ( which is a terrible misrepresentation of what occurs with loan payments with a refinance ) and cash-in-hand, and that this information and offer was coming from the company that originated my existing mortgage. You will see that the windows of the envelope in which came the message hide the true sender, AdvantageFirst Lending, and represents that the originating lender, " XXXX XXXX XXXX '' is the sender.
Product: Debt collection

In accordance wi the fair credit reporting act, Credit collection XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and HIPPA violation 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 an account without my written instructions
Product: Prepaid card

I have spent many times to try to spend this gift card, but it is rejected by essentially every online store ( XXXX XXXX XXXX XXXX XXXX XXXX 
This is gift credit card with {$100.00} gift value, which should be accepted anyplace where American express card is accepted. 
When I asked American Express where it is accepted, it just saying " They don't know, they blocked many stores to protect my fund ''. That is a scam, it essentially reject every online so that I can't figure where to spend. The money is in gift card but we just can't spend. 
The government should crack down such cheating practice by American Express.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was suppose to receive my direct deposit from my place of employment yesterday XX/XX/year>, for {$1500.00}. I did not receive my deposit. When I called Capital One customer service they then told me theyre having a technical issue with a third party lender, XXXX XXXX The rep stated that the issue is being worked on but there was no other information available. I never received an email, phone call or anything from Capital One about this issue. They did not give me a heads up. My deposit is still not available even today XX/XX/year> and my account is at XXXX cents. Ive called Capital One 5 times since XXXX and each time the phone hangs up on me right before they transfer me to a rep. The app is still saying technical difficulties. I am in a financial crisis that being, Im living paycheck to paycheck and I have XXXX children. This is affecting my ability to get to work. This is gross negligence on Capital One to not keep the consumers informed and not making this right. It is also a holiday weekend, if this isnt corrected by XXXX today, I will not receive my funds until well into next week.
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 XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX, account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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: Checking or savings account

Approximately {$1500.00} in fraudulent unauthorized charges using stolen debit card number over the course of about 2 years. Wells Fargo allowed these obviously fraudulent charges ( all out of state, most out of the country to what appear to be private XXXX accounts ). 
Reported to Wells Fargo upon discovery in XX/XX/2018. 
Wells Fargo refunded a tiny portion ( about {$70.00} ) to cover the first 60 days of the fraud as they are legally obligated to do ) but refused any recompense on the remainder. They also mishandled the investigation, leaving approximately {$300.00} or so out of the claim due to some sort of mathematical or transcription error that I was unable to get to the bottom of. 
Was told today ( XX/XX/18 ) that I had escalated as high as I could go and that they would not re-open my case.
Product: Debt collection

A collection agency is calling my work from the 2 below numbers and threatening me with contacting my employers. All my calls coming in and going are on a recorded line that my employers keeps. I've asked them several time to not call my work but they continue. My employer does not allow these calls and I can be fired. I've expressed this to them but they continue to call. The collection agency is saying it's a XXXX Credit Card and below are the 2 numbers they are calling me from. I need my job and I need them to stop calling my work. Please help as times are hard and money is short. I'm doing my best to hold on to my job as I know I'm blessed to have one during these hard times. 
Calling from the below numbers XXXX XXXX Last week ( XX/XX/2021 - XX/XX/2021 ) I received a call and asked them not to call my work and they said fine we'll call your employers and hung up. 

Today XX/XX/2021 - Received a call at XXXX and again asked them not to call my work. 

I'm not sure how to stop them but happy I got the call and not my coworkers.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my XXXX, XXXX XXXX and Equifax credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

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

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 

1. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete 2. XXXX XXXXXXXX XXXX # XXXX inaccurate please delete 3. XXXXXXXX XXXX XXXX # XXXX inaccurate please delete 4. XXXX XXXX XXXX # XXXX inaccurate please delete 5. XXXX XXXX # XXXX inaccurate please delete 6. XXXX XXXX XXXXXXXX inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete 8. XXXXXXXX XXXX XXXX XXXXXXXX SAME ACCOUNT please delete 9. XXXX XXXX SAME ACCOUNT please delete 10. XXXX Funding XXXX SAME ACCOUNT please delete 11. XXXX XXXX XXXX Same Account please delete