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

My partner and I bought a car through Carvana LLC on XX/XX/XXXX we paid {$17000.00}. Upon receiving the vehicle, after the test drive, and after the vehicle was delivered, we began to notice some issues. When purchasing the car through Carvana, they state that 150 point inspection was completed, but missed the engine sensor indicator as well as 2 fog lights out, and low oil. We called Carvana to voice our concerns, and scheduled an appointment with a mechanic. They found that a leak detection pump needed to be replaced, the axel shaft had rusted and needed to be replaced, brakes were grinding due to rust and that there was a loud pop when turning the wheel to the left ( torn bushing mounts and control arm bushings. All of which should have been found in the initial inspection. 20 days later all oil drained out of vehicle due to a oil filter housing gasket, another {$800.00} visit to the mechanic.

ADDITIONALLY : There is a leak in the vehicle that allows water to enter the cabin during rain or snow melt, filling the passenger side of the vehicle with water. 
6 months after all of these issues on XX/XX/XXXXXXXX  the vehicle stopped running, it is currently sitting at the mechanic, and in need of a new engine totalling another {$11000.00} worth of work. I called Carvana to start a delayed backout, speaking to XXXX of resolutions. We went an entire month without communication. I have made over 20 calls to Resolutions without a single returned call. There was obvious neglect in the initial inspection performed by Carvana LLC. With a rough estimate of $ XXXX worth of total work to make this vehicle safe to drive. Not to mention the amount of distress that this vehicle has caused even before the engine failure. 
XXXX I spoke XXXX in resolutions extensively about our situation. He told that after everything I have described there would be a high likelihood of our case being approved. 
XXXX Denied my claim without speaking to any parties involved. Gaslighting me the whole time. 

I have contacted XXXX ( services the loan ), and they said there was nothing they would do to lower payments/interest rate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1100.00} XX/XX/23 XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Vehicle loan or lease

I called santanders consumer USA to lower my monthly payment and they said they cant help me I am currently paying XXXX a month on a used vehicle that dont pass state inspection because it needed parts that the mechanic is trying to find. The vehicle is used and it was rotten at the bottom of the car we got it in 2015 with a high interest rate of 24.9 % I am struggling.
Product: Consumer Loan

I called Ally on XXXX and asked what I needed to do to purchase my leased vehicle. She stated that I needed to pay off the amount to Ally and they would then send the title and another document for me to sign off on mileage. She gave me the amount of {$29000.00}. I call Ally back on XXXX to ask for the address to send my final payment. Once talking to this gentleman he told me my final payoff amount to purchase the vehicle was {$30000.00}. I said, but I was told two days ago the {$29000.00} and that was good until XXXX XXXX. He said, sorry, she gave you the payoff amount not the amount to purchase the vehicle. I said, I did n't think that was fair and I did n't understand. It seemed like a bait and switch. I hung up frustrated. I called back a while later and told the person who answered I had received XXXX amounts. She asked me the amounts and then asked me to hold. When she came back she said the correct amount was the lower amount. When I asked her why I was given XXXX different amounts she said the gentleman calculated it wrong. Here I sit without feeling comfortable that the amount I have is accurate. In addition, I feel they are being deceptive in the way they are changing the balance. I wonder if they have taken advantage of others this way. I also wonder if they have done other things to my account that would cause me to pay more than I owe - like they tried to today. Please look into this unacceptable culture they have at Ally.
Product: Credit card

I initiated automatic payment of my Amazon card on the synchrony site, however they have still charged me late fees and interest when my card is completely paid off every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX One main financial reached out to me to inform me that the account was Past due and must be brought back to current if not it was going to be closed. That was in XXXX i believe. I reached out to them that week. They said they had closed the account however they have not charged ot off yet and could have it reopened by setting up a new automatic payment agreement. I have been making ontime payments since in the amount of {$220.00}. On my credit report, my mortgage hoke lender notified me that one main financial charged off the account and reopened it with my new payments, however it's the same account. It was never charged off.
Product: Debt collection

I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Ad Astra Recovery. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XX/XX/XXXX and I have not received a response to date.
Product: Mortgage

My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i reviewed my credit report with Experian and noticed that XXXX XXXX XXXX XXXX XXXX XXXX collection on my credit report. On XXXX XXXX I contacted Experian about this and was told to file a report with the XXXX and CFPB which I am doing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had no late payments with these accounts. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed on my credit report that Telerecovery placed a medical debt on my credit report. I never received communication from them to try and dispute the validity of that. It was just placed on my report. I asked who the debt was from and they said XXXX XXXX. I told the agent that this could not be right as I have have health insurance. I stated that the amount could not be right. I pulled my credit once again and the company didn't even update the fact I was disputing the debt. I check the Lousiana Secretary of State to determine if this company is even registered in the state and they were not found. I want this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX ** have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Today, XX/XX/2023, my account was closed with no notification and alert. I have all my money in my saving account, and I am an XXXX XXXX with no any pay off. How can I survive in this urban city, with XXXX  money in my account. And I still need to pay my rent, my credit card debt. I have been used XXXX  XXXX XXXX for my whole XXXX XXXX XXXX XXXX XXXX, which is about 9 years. And I kept perfect credit, and never been have had this happened. It is unfair for consumer to face this situation with no prediction. You can suspect my account, but you should have checked, at least verify with me about the truth of your suspicion. 
I have to mention that I received NO emails, notifications, alerts about " fraud report ''. I am even open to background check about my statement, that is why I am writing this complaint. Because I can prove all my transaction and they are transparent and clean. They can not take all my money, add on to that, money for survival as an XXXX XXXX, just because they want to lock my account. Also, when I log in to online banking, they even did not show up any words about my account is closed or locked. 
Even I called the associate, they did not provide any reasons, and said, " rely to the policy, they can close my account with no reason in anytime. ". I would say it works for someone really needs to be checked, but for me, a XXXX XXXX XXXX, and I did not graduated yet from my XXXX XXXX, why would they even suspect my account and close it with no reason. I called for an hour to make this thing process, and being transferred back and force. 
I really hope you can take this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Student loan

Just recently I received a threatening from ECSI. It was  never my intention no to pay the debt accumulated during the less than a month stay in XXXX. ECSI representatives did not present me clear explanations of my responsibilities, or benefits regarding repayment. I have done some researches. I did not receive FormXXXX from XXXX ; therefore, I was denied the opportunity to deduct educational expenses through my Income Tax on that year. Neither did I receive the usual Refund I was entitled while attending XXXX. I need to know what type of Student Loan I am in debt with XXXX, which could not be consolidated, as my other student loans were ; ECSI did not submit to me any type of information.
Product: Mortgage

I discussed with the Mortgage company over the phone way back last week of XX/XX/XXXX, 1st week of XX/XX/XXXX, that I am no longer interested on doing " ASSUMPTION PROCESS '' and his name was XXXX. I did cancel over the phone. And I know the fact and they keep on repeating on me that papers good only within 30 days, since we never open up the topic about " Assumption '' so, for what i've known and repeatedly telling me by them that 30 days will expired. And the mere fact i cancelled over the phone. They should be chain reaction to all their department. They should be updated and systematic. So much inconsistent information. So, to make the story short assumption is " voided ''.

Now, since we are delayed for the mortgage payment, we are applying for " Payment Plan '' today XX/XX/XXXX and spoke with XXXX for almost 1 hour discussion because he needs to do the paper works for " Payment Plan '' and told me starting XXXX XXXX will be my first payment, but when he tried to be " approved '' it doesnt allow him, they found it that my " assumption application '' still active. VERY INCONSISTENT INFORMATION, THEIR STAFF NEED LITERALLY TRAIN HOW THEY WILL GIVE CONSISTENT INFORMATION. XXXX trying to help us, but his supervisor doesnt allow him to file the Payment Plan, they're stopping them to approve it due to Pending Assumption Paperworks, and almost 3 months passed by. We dont want to loose our home. We never know if this is only they're " tactic '' or " strategy '' so we can't able to do payment plan. We love our home and they been telling us when you call them " we're here to help you '' and it doesnt make sense, if things are not UPDATED on their system. We need help to make this people from their company to be ORIENTED, so no confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a XXXX application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Owner XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
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 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

10.  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

12. Validate Account NAVY FCU Account Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 14. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit report two credit cards ( resolving ) accounts from XXXX XXXX  who belongs to my brother and are not mine. I requested an investigation through Experian without success. Please validate the SS number under these two credit cards, whos didnt match my SS number. The accounts are XXXX of {$3300.00} credit limit and XXXX with {$1500.00} of credit limit. The second name of my brother is different from mine. XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX. Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a dispute to the alleged Debt collector XXXX XXXX and credit reporting agency Experian about inaccurate credit reporting. I requested debt validation on the alleged collections account affecting my credit report, I requested VALIDATION of debt, The sent an itemization of charges which is break down of the alleged charges which by law is NOT considered validation of debt. I requested the initial original agreement from alleged company and or original wet proof of my signature which they did NOT provide. They sent an update on the Experian online portal that the they Verified as of todays date XXXX this alleged debt. They did not send the proof and this is not VALID.Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : 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 XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX