23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was approved for a loan via Tesla Financial to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. Tesla Financial transferred the car loan tXXXX XXXX  XXXX XXXX at the end of the month. Tesla Financial did not make me aware of this change of what financial institute would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the Tesla app for my previous Teslas that I leased ). Tesla assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and XXXX XXXX XXXX XXXX claims they sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with XXXX XXXX XXXX. Through my own investigation, I determined that my car loan had indeed been transferred to XXXX XXXX XXXX, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX to bring my account current. During conversation, I was told that XXXX XXXX XXXX  would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by XXXX XXXX. I have made multiple attempts via phone to explain that they did not identify who they were, Tesla Financial did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, Tesla has still not sent any communication to that end and no one from their financial department has returned my communication. XXXX XXXX XXXX instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX Even if I wanted to be done with XXXX XXXX XXXX and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  admitted fault regarding a loan that was returned due to fraud from a dental office. Although they closed the account and refunded me the money, they continued negative credit reporting on my account and this caused my credit score to decrease XXXX points.
Product: Debt collection

On XX/XX/year> I wrote a written request letter to pioneer credit recovery Inc to request my traffic court fines on my payments and balances ect... a break down on statements.they have received the certified request letter but it was sent back to sender which is me.i did have the correct address and the letter looked like it was opened, so I'm kind of confuse about what to do next.the purpose for this issue is I'm trying to get my hawaii drivers license back so I can go to and from work with the XXXX XXXX XXXX approval..
Product: Debt collection

Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later. 
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid. 
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance. 
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees! 
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Debt collection

There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Conn 's XXXX Inc. located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX Inc. has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

Nationstar mortgage is in violation of breach of contract. Both the note and deed of trust states no acceleration
Product: Vehicle loan or lease

I, XXXX : XXXX XXXX acting on behalf of my Principal, XXXX XXXX XXXX am filing this second formal complaint against Porsche Cars XXXX XXXX XXXX XXXX and Porsche XXXX XXXX for violations of the Equal Credit Opportunity Act ( ECOA ), Federal Reserve Act, Truth in Lending Act ( TILA ), Regulation Z, and related federal and state laws. 

1. Discriminatory Denial of Credit On XX/XX/XXXX, I submitted a credit application for the purchase of a XXXX Porsche XXXX XXXX XXXX XXXX XXXX. The same day, I received an Adverse Action Letter denying my application. Regardless of the reasons provided, under ECOA, I have the right to access credit. 

Your refusal to grant me access to my own credit, based solely on my credit score, is discriminatory and unlawful. My application represents a lawful transaction under Consumer Credit Protection Act regulations, and any attempt to withhold my access constitutes a violation of both ECOA and federal securities laws. 

Furthermore, your actions discriminated against a minor in this transaction, as referenced in your communications. Under ECOA, all applicants must be treated equitably, and my legal capacity to contract was arbitrarily denied, further compounding this breach of law. 

2. Right to Credit and Security Interest Under Federal Law I assert that under Section 16, Section 1 of the Federal Reserve Act, as well as 15 USC 1602 ( l ), my application, which includes my social security number and signature, acts as collateral security for the requested credit. By submitting this application, along with the tender of payment, I am legally entitled to the extension of credit. 

Your continued refusal to recognize this right constitutes securities fraud and a breach of your fiduciary duty under federal law. As a financial institution, you are required to process my application and extend the credit to which I am legally entitled. 

3. Breach of Fiduciary Duty and Consumer Rights Violation Porsches denial of my credit application also constitutes a breach of fiduciary duty, as you have failed to act in the best interests of your consumer. Having provided my application and payment, I have satisfied all legal requirements necessary for the creation of security interest. Your refusal to honor my application is a violation of both ECOA and the Consumer Credit Protection Act. 

Additionally, denying my credit application based on subjective factors, such as my credit score or age, is an unlawful action under ECOA. Federal law mandates that credit decisions must be fair, equitable, and transparent. Your arbitrary refusal of my application violates these rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX XXXX  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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Product: Debt collection

I received a collection notice dated XX/XX/2020 from Dynamic Recovery Solutions , LLC attempting to collect {$580.00} I supposedly owed to a company named XXXX XXXX XXXX. I didn't recognize the third party creditor Dynamic Recovery Solutions , LLC was collecting for so I wrote them a letter stating I had no record of owing money to an organization named XXXX XXXX XXXX. I sent my letter to Dynamic Recovery disputing the debt discussed in the collection notice and requesting the the name and address of the original creditor. I sent my letter to registered mail with a return receipt requested. I received a return receipt via the United States Postal service indicating my dispute letter had been successfully delivered to Dynamic Recovery. 

Instead of receiving the information about XXXX XXXX XXXX who is supposed to be the original creditor I received another collection notice dated XX/XX/2020. 

I think the Fair Debt Collection Practices Acts states Dynamic Recovery should not continue collection efforts until they have sent me the documentation I asked for.
Product: Debt collection

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$680.00} and XXXX XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$1300.00}. Please remove.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( Date Last XXXX XXXX XXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Product: Credit reporting or other personal consumer reports

I sent a request for investigation under to TransUnion On XX/XX/2023 in reference to XXXX XXXX XXXX XXXXXXXX. 

I received a letter advising that TransUnion VERIFIED the information. Im curious as to how they verified this information and would like to receive PHYSICAL DOCUMENTATION to support this erroneous information on my report. 

FCRA States information reporting has to be verifiable and 100 % accurate otherwise must be removed by federal law. TransUnion has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report.
Product: Consumer Loan

Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes.
Product: Debt collection

Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.
Product: Bank account or service

PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.
Product: Debt collection

Upon checking my credit file I saw Franklin Collections on my account multiple times for the amounts of XXXX $ # XXXX, XXXX $ # XXXX, XXXX $ # XXXX, XXXX {$100000.00}. First off I am a veteran and the VA takes care of any and all of my medical bills. Second I never received no type of communication phone call nor dunning letter about these alleged bills. Third I contacted XXXX in regards to what i saw on my credit file they have no knowledge of these bills nor it being sent to collections because they stated they area non-profit hospital so they do not send bills via third party for payment it gets charged off if something is not paid but they have no record the these bills in their system. This is not my debt and I want this removed from all reporting agencies and credit files until they can provide LEGAL documentation stating I did business with them in which i Never have.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX were provided with the same documents XXXX received in the mail. Documents showed XXXX XXXX XXXX as not my account and had incorrect information that had been merged with my name. XXXX immediately deleted the account while Experian and XXXX refused to do so. They stated account met FCRA GUIDELINES but if they had ran a legal and accurate dispute they would have found the account information is all wrong and should have been removed during the first 19 disputes sent. XXXX has been the only company to comply with this dispute and run it accurately while Experian and XXXX have falsified dispute details instead of running the dispute as requested. They also never responded with the representative who ran the dispute as they are liable for their intentional negligence. XXXX XXXX is it my account and should be removed immediately. This has been a Reoccurring issue as their company has refused to run accurate disputes in the past.
Product: Credit reporting or other personal consumer reports

My " myEquifax '' online has absolutely ZERO information on my credit report even though I have XXXX credit card accounts that are valid and current. XXXX XXXX and XXXX are reporting my information correctly and religiously yet Equifax has refused to do so. This is not the first time I am dealing with this negligent anomaly from Equifax.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must stress the importance of this matter to me. The disputed items hold significant weight, and I can not afford to overlook them lightly. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further. I am fully prepared to file a formal complaint with the Federal Trade Commission against your company. Given the gravity of the situation, it is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.
Product: Student loan

Re : XXXX Loans ending in XXXX and XXXX. 
In XXXX, I filed for Bankruptcy which was discharged on XXXX due to the amount of medical issues I had possibly due to the fact I was misled by the school and Navient 's ( formerly XXXX XXXX 's ) and there aggressive harassing collection practices. At the same time I filed my Borrower Defense with the Dept of Education and provided ample evidence that the school had misled me. I became a Class Member under Decision Group 1 of the Sweet v. Cardona Settlement. The Department of Education on the propondence of the evidence determined that indeed the school had misled me., Navient has admitted responsibility for canceling all loans that meet the Holder Rule criteria. However, the process Navient has established for defrauded borrowers is flawed and opaque, potentially violating federal consumer protection laws1. Many borrowers, including myself, have faced unnecessary burdens and opaque rationales for denials, making it impossible to exercise our rights under the Holder Rule. I am deeply concerned about Navient 's failure to provide relief to borrowers who attended fraudulent schools, both for-profit and non-profit. I am further concerned that they continue to close CFPB complaints as duplicates without addressing violations of the law under the Holder Rule. On XX/XX/XXXX, XXXX XXXX XXXX, along with eight other senators, sent a letter to Navient urging the servicer to cancel predatory private student loans pushed onto borrowers attending fraudulent, colleges. The letter emphasized that these loans are governed by the FTC 's Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending. I completed the Navient School Misconduct Application and submitted it to Navient with all the evidence and they denied it saying it was a " not for profit '' school. They owe me over {$20000.00} which the collected under suspicious tactics and are refusing with one incoherent excuse after another without valid base to refund what they basically stole from me. I am entitled to receive the ALL funds paid to them under the fact that the School was found guilty of misconduct, it does not matter what their status is... Misconduct is misconduct. Also, they coerced me into paying the Private Student Loans under extreme hardship in order to refinance my home raising my mortgage payment ( s ) considerably. Please see all attached evidence as to Navient which has been banned from providing any further student loan servicing by the US Government due to their Predatory and misleading practices.