23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a Macy 's credit card on my account that was paid and closed on XXXX. However Macy 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the Macy 's account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX Account number XXXX Chapter XXXX Bankruptcy 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 written instructions.
Product: Debt collection

XXXX XXXX XXXX, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
Product: Student loan

I am party of the XXXX XXXX XXXX  borrowers defense class and my loans from XXXX should have been discharged prior to XXXX XXXX, and there has not been movement. When I requested information on when I can expect my discharge and credit report changed to reflect the discharge, I received deflection and misinformation.
Product: Vehicle loan or lease

Hi! My name is XXXX XXXX! I am a naturalized US citizen. 
It is an unusual situation.I/we were able to get the loan but the process was very discriminative.On XX/XX/XXXX we ( my wife and me ) bought a car with a joined car loan from XXXX  XXXX  XXXX XXXXThe process were smooth.The dealership informed us our loan company going to be BB & T XXXX 
On XX/XX/XXXX more than then 3 weeks later the dealership called me saying I need to provide my green card bc we are not going to get our car loan.We were was shocked.Anyways I told the dealership I dont have a green card any more because I AM A US CITIZEN since XXXX XXXXWhich also proved by my NC Drivers license which has a star in it! They had copies of it! They said than I have to provide additional evidence of my citizenship! 
Of course I felt awkward and upset because the dealership and the bank didnt give me a straight answer why they need more evidence! I felt I getting discriminated and profiled bc my name.It never happened before! My wife who is a US born citizen did not have to provide any additional evidence of status.It is clearly profiling. 
However eventually I did provide the copy of my passport.Far as I know we will get the loan. 
However my complaint is : -If the loan company requires evidence of citizenship they need to do it in the moment of the car purchase.Not almost a month later. 
-As a US citizen I have a constitutional right to not get questioned, harassed or blackmailed about my status for any purpose.Outside of DHS or other Federal Agencies. 
-After I got my citizenship I did register the change with Social Security Services so it should be in the credit or personal records. 
If the bank wants to research my status than they can do it if they really want it! Its not right to blackmail the customer! 
-It is a such a sensitive subject bc I worked hard and did it the right way to become a citizen and get accepted! Also did it with a goal to not be harassed or blackmailed about my status anymore! 
Sincerely : XXXX XXXX
Product: Credit card

I asked for personal information such as signature location, documentation, identification, and any other information that would lead to conviction of persons involved in identity theft.
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC account to XXXX to invest in stocks but it won't let me do so.
Product: Vehicle loan or lease

I sent correspondence by certified mail to Bridgecrest on XXXX XXXX, XXXX  requesting my disclosures pursuant to 15USC1681a, the Gramm-Leach-Bliley Act, and 15USC6802 that without which they were not permitted to disclose my information to any unafiliated 3rd parties, specifically the Consumer Reporteing agencies or collection agencies. I provided my name, address, account number they furnished to the CRA, the account number of the collection agency that acquired the account, and the make, model and VIN of the vehicle associated. Failing to produce the disclosures, I required that the account be deleted from the CRAs and noted it was a violation of my privacy rights noted in the above laws referenced. They responded claiming they were unable to fulfill my request due to insufficient information citing that their records indicate a different address and that to process my request they had to verify my address by me logging into their system and updating my information there. The burden of proof lies with them. They were able to answer my letter to the correct, current address which I furnished and they returned the letter I sent to them with their letter to me. I provided more than enough information for them to identify and verify my account information and process my request if the actually had the appropriate disclosure on hand.
Product: Prepaid card

I have three American Express Gift Cards that I am unable to use on XXXX. After trying to use them unsuccessfully, the balance of each card is down XXXX cents, but neither of them can be used to reload my XXXX gift card balance. 

The amounts left on these three gift cards are ( prior to the XXXX cent fee ) : {$15.00} {$6.00} {$10.00}
Product: Debt collection

This issue concerns a complaint that has been addressed and resolved through cfpb on XXXX previous complaints. Complaints XXXX and XXXX. I didn't bother calling this debt collector out of frustration with the repeated harassment and invasion of privacy by these debt collectors representing XXXX. I do not owe XXXX any debt nor have any contract with them ( please see attached previous complaint ). I don't know why these debt XXXX continue to report a debt that does not exist on my credit reports. This is currently reported in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Santander is reporting a late for XXXX on my auto loan I ask they please remove. I had this account and always made my payments on time despite their auto pay system always having issues. I would set the account on auto pay and several times their system would not draft my payment so I would go in and do it. However, I was refinancing my home in XXXX and just got done in XXXX. During this time I knew my account was set up for auto pay but because I was so busy with the refinance I didn't check in as I normally due trusting that Santander would do their due diligence and retrieve the funds automatically. However, that did not happen and now there is a late. I also wrote them a check to pay the full balance and they claim I still owe {$1300.00}. I am very confused as to what is going on with this account. I was never late, I did my due diligence and the late payment must be removed.
Product: Mortgage

This is about predatory offers of home warranty insurance. I sent a card back that was sent in my mortgage statement, thinking it was a request for more info. I never heard anything more. Then recently I discovered that payment for the warranty has been being held out of my mortgage payment for a year. 

I was never informed that the payment would come out of the mortgage payment, thus decreasing the amount I was paying on the mortgage and increasing the length of time that it will take me to pay it off and the amount of interest I'd pay. This is unfair.
Product: Vehicle loan or lease

I returned my XXXX XXXX XXXX XXXX to the XXXX, Ca TESLA center of XX/XX/XXXX, which was the end date of my lease. I actually took delivery of a new tesla in XXXX, but paid both payments, for several months, so that i was not doing an early termination. Nevertheless, I returned the car on XX/XX/XXXX and I did expect communication because I am over mileage. I waited for a final accounting, but did not get one. I just checke the app again and see that there is an accounting dated XX/XX/XXXX. I can tell you that it was not there the last time I checked in mid XXXX. I believe this is back date. I got an email that said that my payment was over due around XX/XX/XXXX. I wrote back and explained that I had turned in the car and no longer had access to it. I also released it with the XXXX, as I was instructed to do so on XX/XX/XXXX. I have not had the car since that date, although I can still see the car 's info in my app. 

I was assured in the email that I received that I would NOT be charged. I was in fact charged a double payment on XX/XX/XXXX. I wrote back and explained that I could not afford an erroneous charge of nearly {$1500.00} right before XXXX. I was told in the next email that the auto pay had been turned off and my account was being closed out. I had already been told that and still charged. The next email just said that my account was being closed out and no direction on how to get my money back. 

I am seeking assistance because there is not enough communication with TESLA. I understand it's a tech company, but you can't get anyone on the phone so you can speak with someone to understand, explain, etc. That's how I ended up with a XXXX mile lease in the first place. I was handed an XXXX  in the store, and nothing was explained. 

Additionally, I found a lease extension, signed by a tesla rep in my app, I did NOT sign this extension. It seems as though TESLA is trying to say that I extended the lease. I did not. At all. This seems like fraud. 

I just want to be deal with fairly. 

I would like Tesla to refund my money immediately and give me some guidance and grace on the over mileage. 

I need this help as {$1500.00} missing out of my account during XXXX is making things very difficult as a parent. 

Please help me.
Product: Debt collection

This is a complaint re : Scott & Associates , PC located in XXXX, Texas. I received a debt communication over a year ago with my former married name ( which was changed in XX/XX/2016 ) for a debt that I have no knowledge of. At the time, the collection agency sent a form for a copy of my drivers license, social security card or passport to confirm my identity. They also stated that I should file a police report on the debt. I refused to do any of those things since I have no knowledge of this debt and did not want to file a fraudulent police report and I certainly was not going to send all of the self identifying info they requested. I wrote a cease and desist letter to the company and heard nothing from them again, though they did sent the report to the credit bureaus, so now I have this unknown debt on all three of my reports and can not seem to get it removed. Yesterday I received a letter from them again with the " bill '' for this unknown to me debt, which is listed from " XXXX '' - - I called them this morning and on a recorded line, the agent admitted that there was a cease and desist on file and that she would remove the address and info from the system. This is in direct violation to the Debt Reporting Act. I am not sure how to resolve this issue and how to have this removed from my credit report, but I am very frustrated and concerned by the company 's practices.
Product: Consumer Loan

I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.
Product: Mortgage

I was contacted by Caliber Home loans associate named XXXX in the re-finance department she wanted to go over some options for a possible refinance she told me that she would just be Checking rates to see if it was possible to lower my payment I asked her twice if she would be pulling my credit report report and she said No because is not needed to check rates I know that to be true because I spoke with XXXX XXXX XXXX XXXX and did the same thing and they did not pull my credit. she never once stated or ask me for my permission to pull my credit report I woke up this morning on XX/XX/2019 and my credit report has been pulled a Caliber Home Loans without my consent. I know thats against  CFPB rules
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear XXXX, I am writing to formally dispute inaccurate information on my credit report concerning the XXXX XXXX XXXX. The reported data contains several errors, which violate my rights under the Fair Credit Reporting Act ( FCRA ), codified in Title 15 of the U.S. Code 1681. I request an immediate investigation and correction of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Paid, Closed Inaccuracies Identified : Payment History Errors : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The payment history for XX/XX/XXXXXXXX XXXX XXXX " 120 Days Past Due, '' while the account is listed as " Paid, Closed. '' This contradiction violates accuracy requirements. 
Similarly, the delinquency statuses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not appear to align with the account closure in XX/XX/XXXX and the paid status. 
Comment Inconsistencies : The comments state : " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher. '' These remarks require clarification and verification under 15 U.S.C. 1681i, which mandates reinvestigation when disputed information is contested.

Timeline Discrepancy : The " Last Payment Date '' is listed as XX/XX/XXXX, yet the payment history does not accurately reflect compliance leading up to the closure of the account. This raises doubts about the accuracy and consistency of the reporting. 
Under the FCRA, you are obligated to : Conduct a reinvestigation of disputed information within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ).

Notify the data furnisher of my dispute and request verification of the information under 15 U.S.C. 1681i ( a ) ( 2 ).

Correct or delete any information that can not be verified as accurate under 15 U.S.C. 1681i ( a ) ( 5 ).

I have enclosed copies of my identification and any supporting documentation to assist with this process. Please notify me in writing of the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to comply with these requirements may result in legal action to protect my rights, including claims for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance. 
I expect confirmation of receipt of this dispute and a resolution within the required timeframe. Should you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ___________________________
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice fraudulent activity XXXX. Account number XXXX. XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/year> Discover Card changed me {$5100.00} as a reversal charge from funds they took from my bank account
Product: Credit card or prepaid card

I have had this card open for more than a year. Use it for my direct deposits from my employer and for all purchases. I recently returned 7 items back to XXXX and this company put hold on account. I tried to contact customer service and told nothing they could do. So now I can not access my money and company refuses to help. This is very poor as I should have access to my funds
Product: Credit reporting or other personal consumer reports

transunion failed to properly investagate an account that was reporting on my credit file, this account was deleted by transunion and then they reinserted it without notice to me, XXXX XXXX XXXX ACCOUNT # XXXX
Product: Consumer Loan

So I applied for a {$2600.00} loan XX/XX/2014. The 1st payment of {$170.00} came out of my Checking account and $ 294 monthly following that. I suffered insufficient funds in my Bank account for 8 months which has caused tremendous financial stress and strain to maintain other bills that come during the XXXX of each month.
Product: Checking or savings account

On XX/XX/2023 I received an ACH deposit from my taxes. Account access was immediately blocked and put into closure account has still not been completely closed 30 days later, not my Checking or Savings account! I want to end all relations with this banking institution and receive my funds in full! I have contacted the XXXX  and filed several complaints. This is causing me many financial hardships and unnecessary havoc. The funds are mine, in my name, direct deposited into my account ; from a legitimate institution, I do not understand why I am still being blocked from accessing my funds if they claim my account is already in closure.
Product: Mortgage

The end of XX/XX/2020 I was let go due to COVID from my employer. I immediately call Shell Point Mortgage which is now NewRez. Our mortgage was sole from XXXX and they did a loan modification and put us in a ridiculous mess. We are locked in a 40 Year Mortgage with hardly nothing going towards the principle. When XXXX XXXX obtained our loan th balance was {$140000.00}. XXXX XXXX years later our balance is {$150000.00} plus I paid two payments towards the Principle. Its just highway robbery but legal. Since, th take over we have never been late but in XXXX I called to let them know I may be a bit late because my employer was dragging their feet with my final check. I am not sure if the Rep. was New or just didnt care but she transferred us and we got disconnected but before she transferred she said someone would be in contact with me. We never heard from anyone so I paid XXXX on time and paid XXXX a few days later. To our dismay they reported us late after I called we were not interested in going intro forbearance just needed a bit more time after getting let go because of this pandemic. The mortgage company basically said they could not help us that the rep never notated the account. I was misguided in thinking that companies would not be reporting late if they were contacted because of their pandemic. Now, that rates are so low we want out of this shady deal but because we are showing late two times on our mortgage we cant do refinance with a lower percentage we want to go down to a 15 year loan to oay it off sooner. I am so distraught about losing my job and now this. I know co- workers who have gone a year without paying and their mortgage company isnt reporting them late because Of COVID. I really believe they dont want to help because they want us bound tI their unreasonable terms and conditions. Please if at all you would be able to help get that off our credit we could get into a new mortgage that would allow us to pay it off sooner and repair our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with Experian under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on XXXX and Experian. By the way, I had to paid {$25.00} on the XXXX website just to access the dispute page ( I did not yet submit a dispute to XXXX ). I think this payment requirement is very unfair. XXXX says the collection accounts were opened on XX/XX/XXXX. However, when I told the Experian customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the Experian credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.
Product: Mortgage

On XX/XX/2020 we started the refinance application and we submitted all requested documents timely manner. Appraisal was conducted by the institution and we paid the payment. 

We had locking rates for 60 days. 

We were asked to resubmit various documents again and again. 

Now, USBank mortgage is delaying. 

Basically, this refinance would reduced our payment of {$200.00} per month. Bank is keep differing so they can extract more payment on going.