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

I placed an order for new Tesla vehicle to take advantage of their current financing offer. I placed order on XX/XX/year> and applied for financing and approved for it same day. I submitted my trade in vehicle information through their portal. The trade in vehicle is an older model Tesla and I received financing through Tesla as well. Since I owed more than the vehicle was appraised for, I was advised they will make changes to the original application. They then proceeded to pull my credit multiple times, at least 8 through different bureaus without my approval for additional credit pull. I was not advised of the additional credit pull as my understanding they has already approved my loan with initial pull. Ever after additional credit pulls, Tesla and its employees failed to inform me of any outcomes. I have tried multiple attempts via phone and email and was not able to get any pertinent information on what is going on. As a consumer, its been frustrating regarding the credit process which has not been very transparent and misleading from the beginning. Had I known they they will do excessive credit inquires I would not have proceeded with the process. I feel very helpless as I can not get ahold of anyone at Tesla to remediate the situation
Product: Credit card or prepaid card

I wanted to purchase a general-purpose prepaid debit card for my son to take to camp. I purchased a {$100.00} card at a   XXXX   XXXX   XXXX   on   XXXX   XXXX  , plus a {$4.00} fee. The packaging says " Explore Everywhere : Use at Theme Parks, Museums, Tours, Zoos & National Parks in the U.S., Everywhere Visa Debit is Accepted. '' I assumed that " Everywhere Visa Debit is Accepted '' and Explore " Everywhere '' meant what it said, but it does n't - the card is apparently only usable at certain types of locations. I immediately called and asked for a refund, and they say they are sending me a refund of the {$100.00} but would not refund the {$4.00}. Their packaging material is false and I have received no value from the card, which I did not use.
The card was issued by   XXXX   and is distributed by Blackhawk Network California , Inc.   XXXX  . The card is  XXXX . I put it in my son 's name   XXXX   XXXX   and my name is   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses reported on my personal information that I no longer live there for more than eight months.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.
Product: Credit reporting or other personal consumer reports

These below closed account, and hard inquiry, I have NO knowledge of any of these, and they need to be removed from my credit report, IMMEDIATELY.

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Credit Card Closed Account : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( Closed Account ) Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated WITH MY SIGNATURE ON IT per U.S. Code 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, email me an updated credit report reflecting these changes. 

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

Equifax is reporting the XXXX  XXXX XXXX account on my credit report as a charge off and this is incorrect, I need equifax to fix this problem because this has affected my credit score really bad. There is also a balance on this account and this is also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.
Product: Credit reporting or other personal consumer reports

I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.
Product: Vehicle loan or lease

I called US auto sales for my contract before they closed down and kept getting the run around. Now the new company Westlake that bought it wont give me a copy of the contract I signed. Ive been over charged and charged extra for insurance when I already had insurance on the vehicle. Help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report today XX/XX/21, I noticed Target  & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was denied during underwriting because LexisNexis reported a foreclosure against individuals of an estate instead of the estate. 

The document clearly states that is the estate of the deceased followed by a ; and the list of names of from the estate. I've reached out to the lender with supporting documents ( XXXX XXXX, Years of Property Taxes, Deed, and Mortgage without my name ) on XX/XX/XXXX  but they haven't made a decision as of XX/XX/2023. The closing on the house is in Jeopardy from this error. 

This hasn't shown up on any other credit report. This report didn't take into account that it was an estate foreclosure and seemed to only read the trigger word " foreclosure '' and the list of names on it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management and XXXX XXXX XXXX did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX Account # s Has violated my rights account 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, under the Debt Bondage Repair Act. I am writing to request The following accounts reported with XXXX, XXXX and experience be blocked from reporting. 

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
Product: Mortgage

Sadly, your response dated XX/XX/XXXX still does not answer my requests. Please carefully read the below. Also note that I have tried to contact your Ombudsman by email twice at XXXX but have not received any response ( XXXX XXXX XXXX XXXX XXXX XXXX ) Short Summary of items today : 1. My unanswered concerns that were originally expressed to XXXX initiated the late fees to begin accruing as they continued to ignore my requests. Today, its my understanding that you continued/continue to charge late fees ( although you credited an initial amount at transfer of the loan ) that are still due on the account. You claim that these are due because of an original loan agreement yet I claim that they are a result of unanswered questions that should have legally been answered for me upon my first inquiry years ago. 
2. Prior to and after the aforementioned unanswered inquiry regarding XXXX increase in my escrow payment amount portion ( nearly DOUBLE ) that was never answered, I paid XXXX on time and in full. To this day, I am still paying the understood amount due on time and in full. If you feel that there is a balance due that is not a late fee then, again, I ask for a full, simplified breakdown of that exact amount. This can be something discussed by phone and if true, I will promptly pay the amount due ( not a late fee ). 
3. You have still not given confirmation of the BANK ACCOUNT for the refunds intended to be issued back to me. Please verify that they were cashed into my account. If you can not verify that they were cashed into my account, I am formally requesting that you re-issue those check ( s ).
Product: Debt collection

CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fortiva Credit Card payment is due before XX/XX/XXXX. I got sick around XX/XX/XXXX. I took a XXXX XXXX on XX/XX/XXXX and was positive. I was in bed with fever of XXXX and all the Covid Symptoms until XX/XX/XXXX. I took another XXXX XXXX XX/XX/XXXX which was positive still. Mind you I am in the high risk category. I am XXXX XXXX XXXX and had XXXX XXXX in 2020. All my attention was paid on living. Thank XXXX i started feeling better on the 21 and I check my account and found it was 30 day late. I asked Fortiva to remove this under the Cares Act which states a lender can forgive a late payment due to XXXX for the months of XX/XX/2020 or after. I am asking that Fortiva take advantage of this Act passed by Congress and remove this payment. My payment history is good with this company.
Product: Debt collection

This company, Credence Resource Management has been questioned and challenged due to the opening and validity of the debt. The credit line item does not directly reflect what type of debt that it is. The company has never communicated what specifically they are collecting and why. I have challenged this using consumer protection laws to demand proper verification of the collection account, as I am also a victim of identity theft. I have the burden of needing to monitor my credit profiles on a consistent basis because of this. 

The account was investigated, and the company was not able to verify the debt on my XXXX XXXX credit profile, and has been permanently deleted as of XX/XX/2020. 

Credence Resource Management has irresponsibly re-submitted this unverified account as a " new collection account '' on my XXXX and XXXX credit profiles as of XX/XX/2020. I believe that this company operates under very unethical practices and defaming tactics just for money. Any company that will try to damage a credit profile of a person that they have yet to fully identify as the account owner should be investigated and fined for their illegal activities. I am requesting that the CFBP properly investigate Credence Resource Management for their erroneous financial practices that effect myself and other consumers.
Product: Credit reporting or other personal consumer reports

Pursuant to Congress and FCRA A charge off is gross or ordinary income and should not report a balance since it is canceled debt. Therefore it is also inconsistent, inaccurate and the previous late payments are excluded from Consumer credit Files
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXin accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I received a credit card from Milestone card services for a credit limit of {$300.00} that I never ordered or requested. I received a statement letter that I owed a fee of {$76.00} due on XX/XX/22??? I called immediately and spoke to a representative at XXXX and she filed an identity theft ticket for me. She proceeded to advise I fill out an affidavit
Product: Credit card or prepaid card

Used my XXXX credit card. Was billed for the amount I charged. 

Payed the bill in full at the address I had in my bill pay, given to me on my original credit card statement. 

Check was cashed. 

Never received credit for my payment. Have contacted Commenity bank. Have sent documentation several times. Called them. Contacted their old account holder for help. 

No help. Keep receiving new statements with interest charges and fines. Bank will not help. 

Found out XXXX  changed banks from XXXX  XXXX XXXX to Commenity and never notified me of the new address for payment. 

They cashed my check to XXXX at their other account but will not give me credit or work with me. Trashed my credit score from 800s to 600. 

I need help. Would like to take legal action for relief and damages.
Product: Credit reporting or other personal consumer reports

Good day, this complaint is not sent in error please take this seriously. There seems to be items that was mixed on my credit report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.
Product: Debt collection

I had a XXXX with XXXX XXXX. The XXXX caused me to not be able to work. When I returned back to work I attempted to start paying back my medical bills. This company has been taking my {$10.00} a month payments for the last 2 months and then because I refused to answer there multiple calls all day they sent me to collections. I repeatedly asked them to stop calling and I was mailing what I could pay to get the balance down. I contaacted the collection agency and 'She '' XXXX or XXXX told me it doe snto matter how much you are paying you can go into collections at anytime. Then if that is the case why did the send me mail telling me I had options to dispute this. Please review this matter, I hdo not have a pribelm with my responsibility I have a problem with their aggressive calls, and misinformed information they use to try and get people to pay. The orignal creditor is XXXX XXXX and she said she works on behalf of them and directly with them which was a lie again. I told her I would be filing a complaint, My original balance was {$200.00}. I recieved this paperwork from the collection agency around XXXX or XX/XX/XXXX. I made the first {$10.00} payment XX/XX/XXXX via check online and the second payment via credit online XX/XX/XXXX. After askingthem to stop calling me they placed thsi accoutnon my credit report yesterday XXXX, XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I disputed this account XXXX XXXXXXXX 3 months ago with Experian and it came back verified, so i followed it up with a method of verification request on XX/XX/year> and got no response. 
I also wrote XXXXXXXX XXXX through CFPB on XX/XX/year> and the responded on XX/XX/year> promising an investigation and a response. It has been 5 week since they promised an investigation, yet no response. My wright has been grossly violated and this account should be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/ 2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Product: Student loan

In XXXX I paid off a XXXX smart option loan in the amount of {$1100.00} to a closed school. The school has been closed since XXXX/XXXX/XXXX. XXXX XXXX I told Navient that I would be able to settle my second private loan that is {$5600.00} in the XX/XX/XXXX. Navient reneged and sent me to XXXX. I agreed to settle for {$2500.00} with XXXX. XXXX bank felt as though that the transaction to XXXX XXXX was fraud and froze my account until XXXX XXXX. XXXX XXXX asked if I can get a third party involved to make payment. My third partys bank is XXXX. When he was getting ready to make the transfer XXXX XXXX acted like they did not want to give him their routing number. In order to do a wire transfer here in the USA you need a routing number for the bank. Two weeks went by and XXXX XXXX contacted my third party again about payment. XXXX broke the law by contacting hmi without my consent. I spoke to XXXX XXXX manager XXXX XXXX and he said he would write a letter to settle the account for a {$0.00} balance.I waited two months contacting XXXX XXXX with no resolution they were ignoring my calls. I contacted NAvient in XXXX XXXX abou this issue. Their escalation deprtment admitted that have had problems with XXXX and I asked them why did they send me to them if they knew that. All year XXXX the escalation deprtment has done nothing to resolve this issue. I contacted the Consumer Advocate group this past fall. They keep saying that the School I still open and that they need a letter from the XXXX. I gave them a letter from the XXXX XXXX XXXX XXXX XXXX, email from XXXX office, XXXX email, and email from XXXX other federal student aid agents. would like a refund for the private loan I paid for to the closed school to be settlement for my second private loan with Navient. Navient refuses stating that the school is open. It is not. I keep uploading pictures, documents to no avail. Even though Ive been in contact with Navient they told me in XXXX that my loan was coming back to them so we can resolve the issue. That was a lie They sent my loa to another collection agency in XXXX with the amount owed of {$7000.00}. That is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA the following companies LVNV Funding LLC account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
Product: Credit card or prepaid card

I received a mail advertising the Fidelity visa signature card handled by Elan financial services. Advertised was 0 % promotional Intro APR for 12 months on purchases and 0 % APR for balance transfers made within the first 30 days of opening. Received my card on XX/XX/XXXX, did XXXX balance transfers on XX/XX/XXXX ; 3 % balance transfer fee was applied and I got charged for interest at the end of the month for $ XXXX XXXXI called them and they said my account never had promotional APR in the first place. On XX/XX/XXXX, I receive another similar advertising mail saying the same promotions - 0 % promotional intro APR as well as 0 % APR for balance transfers. I feel I got scammed here and want my money back
Product: Debt collection

On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$290.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX