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

I have chosen to opt out of reporting of furnishers of information as they did not receive my permission to report to the credit reporting company or act as financial institutions. I am revoking whatever permissions they were granted. the accounts will be removed. 

For the purpose of this report-furnisher of information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Vehicle loan or lease

On XXXX I submitted my normal monthly payment online of {$410.00}. On XXXX I received a text informing me that my payment was past due. I got on their website and looked at my account and it showed that the payment was reversed on XXXX. I spoke with a representative via phone XXXX to find out what happened and was told their records showed that I had requested the payment reversal. I informed him that was not the case as my payment would have gone through my bank long before the XXXX. He then went on to say that the funds must not have been there. I assured him that they were and that I would not have scheduled the payment if they weren't. I resubmitted the payment of {$410.00} on XXXX. On XXXX I called my bank to see if they were showing a request for funds to be withdrawn because I wasn't seeing on my banking app that the payment had come out of my account yet. They had no request for funds so called the loan company again and was told to call again in a few days if payment still hadn't been withdrawn from my account. Made phone calls to them on XXXX and XXXX because payment still had not been withdrawn. On XXXX I received another text saying my payment was past due. Went to their website and it showed that the payment that I made on XXXX had been reversed so called them on XXXX and was told the payment had been deleted for some reason and she was unaware as to why. Resubmitted the payment on XXXX and they reversed it on XXXX. Resubmitted payment on XXXX and made my XXXX payment on XXXX which is my normal due date and my XXXX payment was reversed again on XXXX. My XXXX payment was reversed on XXXX. Have since tried to remake both my XXXX and XXXX payments. Both have been reversed and an Insufficient funds fee has been added on which I called and complained about on XXXX and was told by them that the account they tried to withdraw the money from, on a payment I tried to submit to them on XXXX, had been closed. It is the same bank account they have been receiving payments from since the loan originated. My bank has told me they haven't received a request for any of these payments from the loan company.
Product: Student loan

My student loans were paid in full in XXXX, and I have the receipt to prove it. When Navient bought my student loan, they have lost payments and continued to keep adding interest to a loan that was already paid. I have now gotten notice that I have less than 30 days to pay it in full ... ( which has tripled ) due to the outrageous interest. I have turned them into the XXXX, and I have showed them multiple times that the loan was paid in XXXX. Now it is XXXX and these people will not leave me alone, nor leave my co-signer alone, they call 5-8 times a day, emails and letters with threats. I am at a loss of how to get these people to leave me alone!!
Product: Credit reporting or other personal consumer reports

On my credit report, I'm still seeing a balance of an account that I paid off on a XXXX XXXX ( XXXX XXXX XXXX XXXX account. I paid off this account in XXXX last year, 2024, but my credit report is still showing a balance of {$1300.00} out of {$7000.00} which is still showing under my credit utilization. I would like to have this permanently removed and would also like to be able to delete my banking and routing information from their system. I'm also still getting emails from them that I would like to be removed from.
Product: Vehicle loan or lease

On XXXX, I purchased a XXXX XXXX XXXX XXXX from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. 

The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax XXXX XXXX says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. 

I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the MaxCare warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. 

As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. 

Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
Product: Mortgage

I got sick with XXXX XXXX and things started going down hill for me. I depleted my savings and other ailments also set in. I cant see well and I can not drive and I lost my job after the loss of my sight. I filed for Social Security benefits and that's my only source of income right now of {$1200.00}. I applied for loan modification and was turned down. I applied again and it was the same process. I fell ill again and was in the hospital for about 3 months. Now I can barely walk. Long story short I want to be able to stay in my home and had a friend assist me in filing for the modification again and sent Round Point Mortgage Servicing who is servicing my loan all modification documentation required. They responded that they have all the required documents and my loan was under review. Periodically we'll check to see the status of the loan and it will state still under review. Whilst my loan modification was under review my home was sent for foreclosure, I asked if they can take it out of foreclosure while my loan modification was reviewed and completed. I was told that was not a guarantee the foreclosure can not be stopped it depended on the loss mitigation dept. My loan was scheduled for foreclosure on the XX/XX/2018, I filed for Chapter XXXX bankruptcy on XX/XX/2018 to buy some time for my loan to be modified. I'm attaching the current modification application and status lookup and the bankruptcy order. I am old, ( 65 years ) and very sick, I just want to be able to stay in my home. There's plenty of equity in my home but I can't do a reverse mortgage either, I am short to payoff the loan balance. Please help me, I only want to stay in my home. I am on limited income and it will cost me a lot to get an apartment and pay my hospital bills and prescription. I can afford to pay {$450.00} a month from my SS income. I really need help. I checked the status today and it shows its no longer in active modification, they will not talk to me or my friend because of the bankruptcy I filed by myself, I don't have the funds to pay for an attorney. I just needed some time so Round Point can act on my loan for me. As of now I don't know what is going on or is going to happen. I want to pay, like I did before all these illness started, just don't have enough to cover a full payment. Thank you for your assistance. I pray you can help me. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, that posted to my account on XX/XX/year>. These payments have paid my accounts off in full for less than the full amount in a settlement anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was paid in full. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completed in a settlement with the payments Ive made they are still refusing to correct the payment status to paid in full for less than the full amount after I disputed the information with XXXX, Transunion and XXXX. They are still reporting the incorrect balance information. The balance for XXXX XXXX XXXX XXXX XXXX are paid in full and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be a XXXX balance paid for less than the full amount in a settlement every credit card on my credit report should reflect XXXX balance.
Product: Credit card or prepaid card

On XX/XX/2020 I went into a Lowe 's Store # XXXX and asked to open a revolving credit card account as advertised, we were put into a card used for contractors without our permission. Bait and Switch is the term I have heard used. Nothing was provided to us after account opening and after four months and a dozen requests still have not received a statement or anything explaining the terms. The store and manager have let me down. 
I have not heard anything for the past month after numerous attempts and overnight letters. As far as I understand Credit reporting, what Lowes did was illegal in my opinion. 
Thank you XXXX XXXX XXXX
Product: Debt collection

HI ABOUT 3 YEARS AGO OR LONGER MY JOB TRANSFER ME TO NEW MEXICO AND I FOUND A APARTMENT CALLED XXXX XXXX   XXXX  I FILLED OUT A APPLICATION AND GOT APPROVE I EXCEED WITH THE DEPOSIT AND FIRST MOTH RENTS THIS WAS ON A FRIDAY LATER THAT WEEKEND ON SUNDAY I GOT NOTICE FROM MY EMPLOYER THAT THEY WERE SENDING ME BACK SO I WENT IN THE OFFICE AND TALKED TO ONE OF THE MANGER AND TOLD HER MY SITUATION ABOUT THE JOB SHE ASKED IF I MOVED IN AT ALL I SAID NO WHICH I HAVENT SHE SAID OK I WOULD FORFIT MY DEPOSIT AND RENT AND ILLJUST HAVE SURENDER THE KEYS I GAVE THEM TO HER SHE WALK OFF THE APARTMENT WITH ME AND I ASKED HER IS THERE ANYTHING ELES I NEED TO DO SHE SAID NO. FAST FORWARD 3 YEARS LATER WHEN I TRYING TO GET APARTMENT I GET DENIED BECAUSE I OWE XXXX DOLLARS OF RENT! SO I CALL THE CREDITOR WHICH THE DEBT IS SENT RENT ROCVER SOLTIONS AND THERE SAYING I OWE XXXX WHICH I DIDNT GET NO LETTER OR CALL FROM THE APARTMENT OR ANYONE SAYING I OWE ANYONE. 
I HAVE TRIED TO CALL THE XXXX BUT THEY ARE REFERING ME TO RENT RECOVER SOLTIONS AND THEY CANT DO ANYTHING ABOUT IT
Product: Debt collection

On XX/XX/XXXX I contacted XXXX via " chat line '' on account website, to inquire about either changing my calling plan as I had been getting ripped off by XXXX, or leaving XXXX after XXXX years. After a " documented '' XXXX hour " chat '' ( at my desk ) with a self-identified " manager '', and tremendous patience, we concluded that XXXX indeed wanted to keep me as a customer and I was moved to a new, competitive, " XXXX XXXX ''. I received email confirmation of the agreement. Several days later, I get a {$500.00} bill! Then, on XX/XX/XXXX, I spent XXXX hours speaking " live '' to a seemingly knowledgeable " manager '', who assured me all was " fixed '' and that my new plan would go into effect in XXXX days, no outstanding balances remain, and a new bill will arrive soon. Sure enough, XXXX weeks later, I get another bill for {$500.00}. In attempting to log into my XXXX old XXXX account, I was locked out and told to contact customer service. When calling Customer Service, my cellphone line was blocked and I was redirected to a voice line that told me to pay the bill ( on the XXXX XXXX ). Every time I call XXXX, I am blocked. The {$500.00} bill came XXXX last time in XX/XX/XXXX, with NO itemization, just a {$500.00} bill. XXXX can not provide a detailed itemization of the bill they keep sending me, just " Pay {$500.00} ''. Complete crooks and fraudsters! Shocking given the amount of time I have spent in trying to rectify this, stay with XXXX as a longtime loyal customer, and get confirmation from self identified " managers ''. Btw, both managers had claimed to have no insight or understanding of what the {$500.00} bill was for, but assured me that they will " take care of it '' and that my new plan would send details in the mail soon. The only thing that came was a {$500.00} bill, and NO detail or itemization. I left XXXX and took our family plan to another provider. Now, XXXX is illegally contacting my A+ credit reporting agencies stating I am in default. I've filed complaints with all credit reporting agencies. This harassment without justification nor documentation is outrageous, and damages my A+ credit history.
Product: Vehicle loan or lease

I am writing to dispute the adverse action taken by Tesla Finance LLC on my credit application for financing a XXXX XXXX XXXX  vehicle, as well as to report potential unfair and unethical business practices. 

On XX/XX/XXXX, I placed an order ( XXXX ) for a XXXXXXXX XXXX XXXX and was scheduled for delivery on XX/XX/XXXX. During the ordering process, I was requested by Tesla to temporarily unlock my credit file, which I did in order to allow Tesla Finance to review my application.

However, in an adverse action letter dated XX/XX/XXXX ( a future date ), Tesla Finance stated that they were unable to extend credit to me due to my credit being frozen, listed as " Credit Freeze. '' This reason is contradictory, as I had specifically unlocked my credit per Tesla 's instructions during the purchase process.

Furthermore, multiple other lenders were able to successfully pull my credit report and provide me with financing options which I ultimately accepted from XXXXXXXX XXXX This raises concerns that Tesla Finance may have discriminated against me by not giving my application full and fair consideration.

The adverse action letter also lacked specific details such as the date when Tesla Finance actually attempted to pull my credit report. This lack of transparency makes it difficult to verify their stated reasons. 

I am requesting that Tesla Finance provide a full statement of the specific reasons for the adverse action, including : 1. The date they attempted to access my credit report 2. Evidence that my credit report was actually frozen/inaccessible on that date 3. Details on the credit criteria used to evaluate my application Additionally, I am notifying the Consumer Financial Protection Bureau of this incident, as it appears to be a potential violation of the Equal Credit Opportunity Act 's prohibition against discrimination in credit transactions. 

I urge Tesla Finance to review this matter and provide a reasonable explanation and resolution. Unfair and deceptive lending practices are unacceptable. I look forward to your prompt response within the required timeframes.

Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} I XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Product: Student loan

This is my most recent communication with FedLoans. It summarizes the most pertinent issues. 

Hello. This will be the third time I've emailed about the same issue. I have not received a response in writing, and I have made two phone calls about this issue. I'm including the original message I sent and the dates of the phone calls. I am HIGHLY unsatisfied with the level of service I am receiving from FedLoans as a student loan servicer. The representatives are unable to complete the plans we agree to on the phone. I will be looking into making formal complaints about your services and adequacy in overseeing loan repayment. If you are interested in addressing this grievance, please contact me. 

Hello, It looks like your records show I am late in making my XXXX payment. 

I received my first statement from you in the mail today, dated the XXXX of XXXX. My bill is due on the XXXX of each month, and my payment to XXXX has already processed. I am not late in my payment, nor could I have known where to send payment prior to your notification. I have documentation showing that my statement from XXXX called for a payment on my loan by the XXXX of XXXX and that the payment has been made. Please let me know if you need copies of these documents to correct the error on my account. I will not accept " late '' status on my account, as I am current on my monthly payments. 

It also sounds like your records show I have not completed or been approved for the Income Driven Repayment plan in 2019. 

I re-applied for the Income Driven Repayment Plan in XXXX of this year, and received approval for the Income Based Repayment Plan in my XXXX inbox dated XX/XX/XXXX. I'd be happy to supply the documentation that shows my renewal has been approved for 2019, please let me know if you need this documentation as well. I will not accept the " adjusted '' amount listed on my statement for the next billing cycle ( XXXX 2019 ), as it does not reflect that my loans have been recalculated under the Income Based Repayment Plan. 

I spoke with a representative on the phone earlier today, and was unable to clear up these errors on my account. I'm hopeful that this email will support action on my account. 

I expect these oversights to be righted before my next payment comes due. Please let me know if you need any additional information or documentation to support this correction. 

Thank you. 

Original email sent via secure email on MyFedLoans.org on XX/XX/XXXX. 
No response. Second email sent via secure email on MyFedLoans.org on XX/XX/XXXX. 
Called and discussed the documents Ive sent. Made arrangements for administrative forbearance while my account is righted onXX/XX/19. PRIOR TO THE XXXX DUE DATE. 
Called to clear up why my account had not been placed in administrative forbearance and was assured it would happen within the next 24-48 hours on XX/XX/XXXX. 
None of the issues listed have been addressed. Sent third email via secure email detailing issues thus far on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with The Fair Credit Reporting act Sequium Asset Solutions Account # XXXX has violated my rights. 

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. 

My action was dispute with the companies wasn't getting no written notice or respond.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXXc Attorneys General Office. XXXX XXXX XXXX XXXX XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX Credit and Insurance. XXXX Federal Trade Commission. XXXX State Regulatory Agency.