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

Please reference existing complaint CFPB # XXXX submitted on XX/XX/2022 regarding this issue. 
Tesla has not responded to my complaint nor has it stopped demanding unjustified late fees. This complaint is regarding what appears to be retaliation and harassment for filing the CFPB complaint.

1. Tesla has begun texting me repeatedly, claiming that my account is past due when they are well aware that I have made a complaint regarding unjustified late fees and they have not resolved that complaint or even responded to it. I have received 8 such texts, and some emails, since XX/XX/2022. 
2. Tesla no longer mails me paper bills, and sends me emails that my invoice is " available on my Tesla app. '' I received such an email today and attempted to access the invoice on my Tesla app account as instructed. when I logged into the account and accessed the " financing '' tab where the invoices were previously shown as links to pdf files, the financing tab would not open and showed an error message telling me to try again. After several unsuccessful attempts, the " financing '' tab has now disappeared from the application when I open and log into my account. I no longer have a way to access my lease invoice, payment history, or account documents. 
I request that Tesla be ordered to provide me with timely copies of the invoices, payment history, and other lease document either by email, mail, or through a working application. i also request the relief for my original complaint including removing unreasonable late charges and accepting and processing mailed payments by check in a prompt manner.
Product: Credit reporting or other personal consumer reports

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXXXXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.
Product: Credit reporting or other personal consumer reports

I RECENTLY FILE A COMPLAINT WITH BBB STATING THE ORIGNAL CREDITOR CAN NOT PROVIDE ME WITH ORIGANAL CONTRACT THAT HAS MY SIGNATURE. THE COMPANY CANT PROVIDE ME WITH TERMS AND CONDITION SO HOW IS TRANSUNION KEEP REPORTING THIS FRUADULENT ITEM ON MY CREDIT REPORT THAT IS HURTING ME PHYSICALLY AND MENTALLY OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all 3 agencies. Yet each agency has validated the information as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX COAF XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX MERCHANTS XXXX XX/XX/XXXX XXXX AUTO FIN XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX 2020
Product: Credit card or prepaid card

On XX/XX/XXXX, I awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen. 

These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX XXXXXXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission mission identity theft affidavit. remove these items immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

On XX/XX/2021, I sent money to my roommate through the chime mobile app. I entered my roommate 's name and phone number and selected the corresponding match generated by Chime. The recipient didn't/does n't have a chime account. She did not receive any notification of the {$100.00} payment or an invite to apply for a Chime account. I contacted Chime customer service on XX/XX/2021, to ask why my roommate didn't receive the funds and was informed that the money was sent to an existing Chime account, evidently belonging to an individual with the same name and phone number as my roommate. My roommate gave the Chime representative her date of birth and social security number but it did not match what was on file with Chime. The representative then instructed me to request the money back from the number/person it was initially sent to because, according to him, I could not dispute the transaction. I obliged and the request was sent to my roommate 's phone! My roommate attempted to follow the link and either log-in or create a new account but was denied both. On XX/XX/2021, my roommate spent over an hour on the phone with a Chime representative who, after initiating an investigation into her situation, consulted with other Chime associates and advised that I file a dispute for the {$100.00} payment in order to get the funds back. Since I was present during this phone call, I identified myself and verified my account and the representative began the dispute process for the {$100.00} payment, entering detailed notes about the circumstances before transferring the call to the dispute department. The call was put on hold for nearly 15 minutes before being disconnected. I never spoke with a representative to complete filing the dispute. Today, XX/XX/2021, I was unable to log in to my Chime account. Several deposits were scheduled to post to my account today yet I am unable to access the account. I received an email notification informing me that my Chime account has been closed and any remaining funds will be sent to me by check in XXXX business days. When attempting to call Chime, my phone number is recognized and associated with a closed account and I am not allowed to connect with an agent. Whatever the discrepancy is between my roommate and Chime has nothing to do with me. There should not be any penalty against me for attempting to get funds back where an error occurred. More significantly, the inability to access my funds will have detrimental effects on my already strained finances, especially during a national economic crisis.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/2022, I, XXXX XXXX a natural person, myself, sent Nissan certified letters asking them to send me an audit trail so I, the consumer, can validate the alleged debt. I also asked them to cease and desist reporting alleged debt unless it is validated by me, the consumer, per my legal rights. Nissan has refused to respond to my request and is in violation of the law.
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 This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inquiries on my credit report that were made without a permissible purpose. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau may only provide information about an individual 's credit report to individuals or entities with a permissible purpose, such as lenders, employers, or insurers, among others. 

I have reason to believe that the inquiries on my credit report were made without a permissible purpose, as the individuals or entities that requested the information did not have a legitimate reason to do so. This is a violation of my rights under the FCRA, and I am requesting that the inquiries be removed from my credit report immediately. 
XXXX XXXX XXXX XX/XX/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 I would like to remind you that as a credit bureau , you have a legal obligation to ensure that the information in my credit report is accurate and up-to-date. If the inquiries were made without a permissible purpose, they are not accurate and should be removed. 

Furthermore, I would like to request a complete copy of my credit report, including all inquiries made within the past year. I believe that this will help me identify any other instances where my credit report was accessed without a permissible purpose. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

Could do nothing with email.. 
Came from XXXX Posing as wells Fargo asking to fix My account i do not have an acct
Product: Mortgage

My wife lost her job so we contacted our mortgage company ( Loan Depot ), they had us fill out forms to apply for a modification.They were very vague and never once spoke to use about what they were doing. We thought they would review our financial situation and cut interest or adjust the terms. It was never clear what they were doing. The only time they did contact us, was for paper work and re-submission of paper work. Prior to applying for a modification we never missed a single payment ( on any account ) and our credit score was outstanding. Fast forward to XXXX XXXX, we 're entered into a modification " trial period '' and we begin to receive delinquent payment and foreclosure notices. We call immediately in fear that we are going to lose our home, they assure us everything is fine and that this wo n't affect our credit. All delinquencies will be removed from the account upon the trial period ending. This happens again in XXXX and we call again fearing we are being lied to. The assure us again that this is normal and our credit will not be affected. 

On XXXX XXXX, my wife applies for a credit card and is denied, reason : to many delinquent payments. I run a credit report fearing identity theft and find that Loan Depot has filed a 60 day delinquency against us. I call Loan Depot to resolve the issue and they inform me that they will never remove the delinquencies since my loan is delinquent and the trial period does not apply toward my mortgage. I ask them to pull the call tapes from my wife 's previous conversations, where my wife was informed our credit would not be affected. The support rep tells me she is going to transfer me to a manager and proceeds to drop my call. 

I know HARP is a legitimate program but this company has been very misleading as far as what the modification is, how it will affect me, and what to expect after the modification is complete. They have never once followed up with me, they have never assigned a rep to the account they have neglected me as the consumer and have committed fraud by falsely claiming delinquent payments while assuring me this will not impact me in any way. Why was the loan not frozen while the trial period was in progress? Saying it could affect your credit is implied, refinancing anything will have a minor impact on credit but filing a 120 day delinquency? How is that not fraudulent? They have ruined my credit was mid XXXX 's and is in the XXXX 's with two more trial payments looming ( which will be reported delinquent ) The support rep told me I could cancel the modifications pay the delinquent amount {$3700.00} but my credit would still be impacted. The rep could n't even provide me my next months payment if I was to cancel out of the modification, they really make it seem like they want us to stay in the modified loan. They have put me in a terrible position and have ruined my credit. All because I wanted to see if we could save a couple of dollars a month, this modification was not needed and would have been avoided if they clearly expressed what they were going to do to my loan and to my credit.
Product: Payday loan, title loan, or personal loan

I told the company the length of the loan was not fair and the pay off amount was too high. They said they would offer new terms but didn't. I have been paying XXXX since XXXX XXXX, 2018. I have already paid double the amount given.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : [ Name of Creditor ] Account Number : [ Account Number ] Date of Charge Off : [ Date of Charge Off ] Amount : [ Amount ] I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were madXXXX 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
Product: Credit card or prepaid card

Hello, I am representing XXXX XXXX, located in XXXX NY. we have a charge card account with Chase. We never carried a balance on this account. Due to COVID-19 and lockdown in XXXX, we went through difficult times. We learned about Chase 's payment deferral program at the link below and applied for the payment deferral. 

www.chase.com/paymentassistance I just found out that chase is offering payment assistance and allowing account holders to defer payments while they are still charging interest at the normal rate 15.99 %. This is not only a false advertisement but also a bait-n-switch program created at the most inappropriate time for businesses and consumers. Chase 's payment deferral program should be revised and all other accounts that have been charged interest should be compensated in a timely manner. Based on our experience, Chase 's payment assistance program is designed to create more revenues while account holders are going through difficult times. Please reach out to me if you need more information. 

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

For a year of working hard paying my bills to improve my credit score on XXXX I noticed multiple alerts from my XXXX account someone has my Social Security number for The dark web. 
On XX/XX/XXXX I got an alert stating that my transfusion credit report dropped by over XXXX points and it was due to a company by the name of Commonwealth finance in Pennsylvania put a collection balance on my report in amount of {$300.00}. I proceeded to contact the number on my report to find out it was a collection agency stating that this was a balance from 2015 from a hospital visit which was not my account and is completely incorrect. She was rude disrespectful and will not provide me with some type of proof that this was legitimate I did a little bit of research online this company seems like it does this to consumers and when you go online they actually have a service to take the information off of your credit report for a fee and its the same company as the outfit that is the Collection agency commonwealth finance that put the information on my report, this agency which completely looks like a scam Multiple complaints online. Ive reached out to transfusion and I submitted a