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

I am writing to formally lodge a complaint against Carvana, a company that prides itself on its online car sales and delivery service. My recent experiences with Carvana have been characterized by severe inconveniences, subpar customer service, and potentially deceptive business practices, which I believe breach the Consumer Rights obligations. 

On XX/XX/XXXX, I was scheduled to receive the delivery of a vehicle that I purchased from Carvana. Without prior notice, the delivery was abruptly postponed to XX/XX/XXXX, with a delivery slot of XXXX to XXXX. I was notified about this change less than 24 hours before the prearranged delivery date, causing significant disruption to my professional and personal commitments. 

On contacting Carvana 's customer service representatives- XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX - to request an earlier delivery time within the new window, I was met with a lack of professionalism and courtesy. Notably, XXXX ended our call prematurely, exhibiting a clear neglect of duty and lack of customer care. 

To alleviate the inconvenience, I suggested picking up the vehicle myself from their delivery hub, a proposition that was dismissively rejected without consideration. This refusal to accommodate a reasonable alternative solution further underscores Carvana 's lack of customer-centric approach. 

Further exacerbating the situation, the delivery driver, XXXX, agreed to meet me at a closer location but maintained the same XXXX, despite the new address being 20 minutes closer to the original delivery location. He informed me he was coming from XXXX, contradicting Carvana 's previous claim that the vehicle was in XXXX. This disparity in information raises serious concerns about the transparency of Carvana 's operations and potentially misleading business practices. 

Moreover, XXXX failed to meet the rescheduled delivery time of XXXX XXXX  XXXX he sent to me and the proposed delivery window of XXXX to XXXX. This resulted in me being late for work, causing further professional inconvenience and loss. 

Despite escalating these issues to the CEO 's attention, my complaint was ineffectively redirected to the same department responsible for the aforementioned issues. Carvana 's response to these significant service failures has been to merely offer their standard 7-day return policy, a default provision to all customers, instead of providing a satisfactory resolution or compensation for the distress and inconvenience they have caused. 

In light of these experiences, I am compelled to believe that Carvana has not only breached its service commitment but also fallen short of the fundamental principles of customer service and corporate transparency. Through this formal complaint, I implore the Consumer Financial Protection Bureau to intervene in this matter and secure a resolution that appropriately addresses the hardships and unsatisfactory service I have endured. 

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

According to the FCRA IT IS A VIOLATION TO HAVE ITEMS ON YOUR CREDIT REPORT THAT IS INACCURATE Ive tried over and over to removed addresses that is not associated with me and experian, XXXX and XXXX has yet to remove these addresses i will sue the credit bureaus my lawyer will be contacting. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I would like these illegal addresses thats being reported on my XXXX, XXXX, and Transunion report removed asap. According to USC Sec 16b1681li ( a ) and FCRA these addresses must be removed immediately. Thank you. 

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
Product: Debt collection

XXXX XXXX XXXX, using their collections agency Wakefield Associates, is attempting to collect a debt I do not owe, from over two years ago. 

I never received a bill from XXXX, and I never had two-way communications of any kind with XXXX or Wakefield, prior to them attempting to damage my credit. 

I have established that I was not the guarantor for my minor daughter XXXX, and that my ex-wife ( XXXX XXXX ) XXXX XXXX IS the guarantor and responsible party now, and was at the time of service. 

XXXX and Wakefield are wrongly pursuing me, attempting to collect a debt I do not owe, even after I have advised them of the facts regarding who IS the responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX reports. The only name and address that needs to be ( see below ) on all XXXX reports should be. 

As of the date of this complaint, this has not been done. 

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

I am submitting this CFPB Complaint as a follow up to the first Complaint I submitted requesting the Credit Reporting Agencies to remove the fraudulent account 's and information off of my Credit file. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX, to remove the accounts and inquiries that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my first Complaints & I am including it again. I need the following items removed from my Credit File without delay : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  XXXX, I XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus believe that the disputed items legally belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents they may find proving such claims. In the absence of such documents, I expect nothing but the immediate deletion of the items in dispute.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name XXXX XXXX XXXX  Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the payment history and terms is inaccurate on the credit report. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute.
Product: Mortgage

On XX/XX/XXXX, talking with company customer service, I finish my business an they ask if I want to talk to " Re-Fi ''. I say yes to find out the rate. He quotes me 6.1 %, I say no thanks and hangup. ( I have a current 3.5 % mortgage with the same company. On XX/XX/XXXX, I get a Docusign in my email for a refinance of my mortgage! 
I call numerous times to numerous peoeple at Caliber Home loan to determine what this is ( see attached ). ( over 6 ca unanswered calls, and numerous people playing games to divert the conversation. Having looked over this form, Iwil state that at no time did I " withdraw the account ''. I saw niothing to that effect and never signed anything.

I have a concern about Caliber will now handle my existing mortgage, and if there was criminal or illegal activity by Caliber. An attorney has already been conferred with. I am awaiting your decision ( see further nites and attachment ).
Product: Mortgage

I missed an XXXX payment and got my loan caught up with my XXXX payment. Just about every month since then I have been getting escalating notices of failure to pay even though my payments are more than the minimum. I have called in several times and thought the problem would be resolved after they realized they miss credited my payments. 
The letters dont stop and become more threatening. This last letter says I am in default for {$36.00}
Product: Debt collection

I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.
Product: Credit card or prepaid card

XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Product: Credit card or prepaid card

I had opened a New Credit Card Visa with Barclays Bank, i made a payment of {$2100.00} they took it from my checking account yet did NOT apply it to my card and are holding it.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$580.00} to my credit card account on XX/XX/XXXX that Chase refuses to assist me with. The charge is in error because I canceled my flight on the same day. I booked the flight on XX/XX/XXXX and I canceled it the same day. When I realized they never credited my account, I filed a dispute with Chase. On XX/XX/XXXX, Chase sent a letter advising the disputed charge was valid as XXXX XXXX submitted a screenshot of their terms and conditions prior to booking on their website. This is an error as I attempted to cancel the same day on XXXX, but as stated XXXX was a low budget airline and as such, I had to cancel directly with them. So I did. On XX/XX/XXXX I called Chase when I realized that they stated that charge was valid. I was transferred five times before someone would help me. When I spoke finally spoke to Customer Service Rep, he advised that I must have entered the dates wrong and if I wrote a letter to explain this, the charges would be credited back to my account. On XX/XX/XXXX I got a letter on stating that the charge was valid. The customer service rep said she couldn't help me and to write another letter to get the claim reopened again for a second time. I asked to speak to her manager. XXXX XXXX got on the phone and advised her hands were tied because the dispute needed to be filed by XX/XX/XXXX. I advised the dispute was filed prior to that date. She then advised the deadline was XX/XX/XXXX to reopen the claim but they didn't get my fax until XX/XX/XXXX. XXXX XXXX then refused to connect me to a manager or give me a name of her boss and just kept saying there was nothing she could do to help me. I was never advised that there was a deadline of XX/XX/XXXX. Not in a letter or on the phone. They now advise they can not reverse the charges because it's too late. They owe me this money now since they gave me misleading information on purpose.
Product: Checking or savings account

a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hard Inquiry made for Company XXXX XXXX XXXXXXXX XXXX XXXX . I did not authorize this at all. I could not get ahold of the company after calling multiple times. 

XX/XX/2023 Hard Inquiry made from XXXX XXXX XXXX XXXX. I did not authorize this at all. I could not get through to the company after calling multiple times.
Product: Credit reporting or other personal consumer reports

I have been dealing with these Credit Bureas for over XXXX  years trying to get them to remove these negative accounts that don't belong to me. Equifax has had my credit file blocked for over XXXX years! I requested that they update my correct address several times. I sent them a letter of establishment from my electric provider along with my passport information as well as a copy of my Social Security Card. I even presented them with a Police Report for the year that this started to happen. They claimed that the report was to old to use. You can't get an updated Police Report, but you can experience repercussions for years.
Product: Credit card

I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in XXXX of XXXX. A resolution was reached through a debt collector ( XXXX XXXX XXXX of XXXX AZ ) on XXXX XXXX, XXXX and the account was settled. A confirmation number was issued ( XXXX ) and the agreed amount was taken from my checking account. This week, mid XXXX XXXX, a letter came from a different debt collector ( XXXX XXXX XXXX, XXXX of XXXX IL ) demanding payment for this account which was already settled and satisfied. Amazon.com and Synchrony have both told me to resolve the account with the original debt collector. However, the original agency ( XXXX XXXX XXXX ) is no longer in business. I have no faith in Amazon.com. I fear that they will continue to try and collect a debt which has already been satisfied.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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 reporting, credit repair services, or other personal consumer reports

obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance
Product: Mortgage

Select portfolios serving telling me there are no more mortgage assistance programs for my loan all their wanting to d look is for me to walk away from my home and let them sell my house I have kids with me and my wife
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  And debt cards. Capital one two cards. XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to XXXX credit b4 now in lower XXXX range. I'm not going to pay a dime to these credit cards. That I did not run the credit up on. Thank you for your help
Product: Credit reporting or other personal consumer reports

TRANSUNION think that they are above the law. According to your law when a consumer reporting agency is notified of an identity theft you are to block, delete or remove the identified transactions and notify the creditors. I provided all the required documentation. Instead you did an investigation and verified the transactions that are a result of identity theft which resulted in the identified transaction still being reported on my consumer report. It is well past the mandatory XXXX business days for this action to be taken. See attachments..
Product: Debt collection

I discovered today on XX/XX/XXXX that a company calling themselves, NCB management services his place the collection account on my credit. I have no clue who these people are. I have received no voicemails. I have received zero written communication. It just pops up on my credit file. Now I know regulation of requires them to verify you have received written notification and notification of your right to dispute. This did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/2021.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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/year> TransUnion 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/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/scrub>XX/XX/2024 I XXXX XXXX notify XXXX, XXXX, Equifax that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Product: Debt collection

For months this company has continued to call. Yesterday, XX/XX/2020 the company called 30 times! 30 times! For months I have requested they remove my number from their calling list. I do not have any debt with them or any of their clients. I verified this yesterday. I asked 4 different representatives to input my telephone number and find my name. They could not, but they did express that there were PAGES and PAGES of names associated with my personal phone number. I asked to speak with a manager or  someone in their IT department because it seems that there is a glitch in their system that has linked my telephone number with hundreds of their clients. I asked them AGAIN to put me on the Do Not Call list. XXXX assured me that she spoke with her manager and I was on the DNC list. I had 5 calls while I was on the phone with her trying to get this resolved. I had to change my telephone number. The harassment and blatant refusal to remedy this problem was unacceptable and I would like an investigation.