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

The chat is attached. This was absolutely predatory and cost me over {$10000.00}. To make it more egregious, no one will answer the phone and once I finally got into the " chat '' the person just left when I wouldn't roll over and accept the platitudes. 

XXXXXXXX XXXX  on XX/XX/XXXX A Tesla Advisor has entered the chat My name is XXXX, how can I assist you today? 
Hi XXXX! 
I purchased a Tesla on Friday ( I adore it! ), but when I did the loan documentation on Friday no one told me about the .99 % offer that was out, so I'm at the XXXX %. It seems like a very significant error/oversight and I'm really hoping something can be done because it's a significant amount of money. I know that the .99 % just started that day and I'm sure no one had ill intent. Everyone has been great to work with but this is a pretty big issue for me. 
Great question here XXXX, however, the 0.99 % APR only just started for orders placed after XX/XX/XXXX There'd be no way for us to retroactively change your loan rate if you have already taken delivery I see. Well, I placed my order Thursday late at night after discussing with Tesla. I can't believe no one told me to wait a few hours to place the order. 
I hear you XXXX, however, we'd find out these updates at the same time as you here. No way for us to know what programs or incentives will be coming That's unfortunate. I guess at this point, I'd like to know if the vehicle can be returned. I'll admit I'm unsure what the return policy is Frankly, for the amount of savings I could " trade in '' the vehicle I have and order a brand new one and come out even Or, just let Tesla come repo it, take the credit score hit, and have my husband re-order. 
I totally get that this is not your fault, but having 2 hours cost more than XXXX without any recourse just seems asinine I hear you XXXX. Vehicles can not be returned either. Once you do decide on what course of action you would like to do please let us know If that is all for now, thank you so much for taking the time to chat with Tesla! I really appreciate the time and effort you took to work with me. Feel free to reach back out if you need any further assistance. Have a great rest of your day and stay safe.

An agent has left the chat
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX defaulted on my American Expresss Charge Card with a balance for {$24000.00} due to unforeseen family circumstance. I Contacted American Express to work out agreement before default to turn the account into a revolving credit card due to my other account with them and excellent payment history. If approved I would have been able to pay card the off without any default in a timely manner. They rejected the proposal so in turn creating a default. There was a special feature on the account that was at the time called Pay Over Time which allowed some balance to be carried forward. I was able to pay the account completely off however American Express placed on my credit report with the three Credit Bureau 's XXXX XXXX, XXXX, and XXXX Paid Charge Off in turn lowering my credit report by thirty points and stays on the report until XX/XX/XXXX. I would accept this whole process due to the fact we had an agrement on the terms of this credit card. However on XX/XX/XXXX American Express sent me a check for {$2700.00} apologizing for incorrectly charging interest on the Pay Over Time feature on the account. So I imediately reached out to American Express to let them know that this is not a simple step to reiumburse the interest, they also have to remove the deragotory reporting from the credit bureau 's because technical how can there be a default if you don't know whats owed and being over billed. Currently there has not been a resolve to the removal at the time of writing this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal permanently limited my account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy. Furthermore, they stated that they would be holding my entire balance of {$280.00} for 180 days to cover refunds and potential chargebacks. 

For the entire calendar year of XXXX, I had a total of {$0.00} in refunds. I had {$0.00} in charge-backs ( see the attached report from my PayPal account ). 

It may be fair for them to offer me services, but all of my payments were for services and not for products sold. I don't have PayPal set up on any website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX and as this complaint is for Experian. They needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021
Product: Debt collection

On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized a credit freeze on the Lexus Nexus with my name on it and my social security number, which they are using without my permission. Lexus Nexus acknowledged the freeze and sent me written documentation. 

They have since unfroze my account without my authorization or permission or lied about freezing my account as I am getting denied home owners insurances as a result of their negligence.
Product: Credit reporting or other personal consumer reports

My credit report includes inquiries I did not approve. Requesting immediate removal.
Product: Mortgage

I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options. 

" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Re : Syncrony Bank/Amazon credit card ending in XXXX HELP!! 
In XXXX of XXXX, I inadvertently pushed the button twice and made duplicate payments to my Amazon account in the amount of XXXX. 
One of the two payments was rejected by Synchrony and credited back to my checking account by XXXX XXXX XXXXXXXX ( Page 1 ). 
Subsequently, over the last year and a half, this XXXX has been credited, and been credited and debited from my Synchrony account numerous times. Not having computer statements accessible prior to XXXX, I can only estimate this happened 2 or 3 times prior to the information I am enclosing. 
XXXX statements I could access show a credit of XXXX on XX/XX/XXXX ( page 2 ), A correction on XX/XX/XXXX of XXXX ( page 3 ), a credit of XXXX on XX/XX/XXXX ( page 4 ), and finally a correction on XX/XX/XXXX of XXXX. It seems to start getting muddied up in XXXX when they start calling the XXXX a promotional purchase ( page 6 ). 
Since the onset of this dilemma, I have spoken with a number of Synchrony employees in various positions of authority. Each seems to interpret what they see on there computer screen differently. I have also sent statements ( registered mail ) verifying payment. 
Lastly, on the advice of my banker, we tried to coordinate a 3-way call in an attempt to have my banker give them proof of payment. The answer we were given was that only the XXXX XXXX department could handle such an issue. I was informed that I would be contacted by said department within the next 7 - 10 business days.nothing. I called again and was told 2 letters had been postednothing. 
All my attempts have been fruitless. I am hoping that with your authority, a resolution might be possible. 

Thanking you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file. I have made numerous requests and provided the necessary documentation to rectify this issue, but despite my efforts, the fraudulent items persist on my credit report. 

Despite these efforts, the fraudulent items remain on my credit report, causing significant distress and potential harm to my financial well-being. I understand the importance of accurate and up-to-date credit information, and I believe that resolving this matter promptly is crucial. 

I kindly request the following actions : A thorough investigation into the fraudulent items on my credit report. 
XXXX removal of the inaccuracies from my credit file. 
XXXX communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation, including XXXX, DL and copy of Identity Theft Report for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX ( I XX/XX/2020, XXXX & XXXX XXXX XXXX XX/XX/2020, XXXX - XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax reporting derogatory which is incorrect because it is paid and should reflect so or be removed. XXXX and XXXX reporting as PAID. 

Account Name : XXXX Account # : XXXX
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I became aware of unauthorized hard inquiries on my credit report from Continental Finance/CELXXXX on XX/XX/XXXX and XXXX XXXX XXXX On XX/XX/XXXX. These inquiries were made without my knowledge or consent, impacting my creditworthiness.
Product: Debt collection

Repeated phone calls -- at least once a day, sometimes multiple times a day, without leaving a voicemail for at least two months and calling from multiple different phone numbers. Without them leaving a voicemail I do not know who they are, what the purpose of the phone call is and I will not call back if I do not know the phone number especially when it comes from multiple different numbers. I have a problem because they reported to the credit bureaus without being notified of the debt, nor have they ever sent a written notice to specify the amount and for what the debt is owed. If it weren't for me seeing it unexpectedly on my credit report, I would have never known about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against Experian. I was to get a copy of my credit after the XXXX XXXX ran a credit check. They said it would be mailed within ten days. It has been 21 days. They threatened my wife telling her she had to join. That is not true. They also asked us receive third party calls. They are scamming and telling untruths. 

I will lose the opportunity to rebuild my flood damaged house because of what they have done. I need the XXXX loan to finish the house and live normal. In a week my window of opportunity expires and I will not be able to obtain the loan and finish my house. 

Credit companies do not need to issue ultimatums. I receive offers to join almost every day from Experian, but no response to what I have requested. They asked me to rate my experience and they have not responded. They are worse than all of those student loan/insurance calls I receive every day.
Product: Debt collection

I am writing to formally dispute an inaccurate rent collection reported by XXXX XXXX XXXX and subsequently reflected on my credit report. The property in question is located at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which my spouse and I rented from XX/XX/XXXX to XX/XX/XXXX. In the summer of XXXX, I received an eviction notice addressed to an individual other than myself for the property we previously rented. It has come to my attention that this eviction notice pertains to the residents who occupied the property after our lease ended. Despite this, a rental collection of {$24000.00} has been incorrectly placed on my credit report. I kindly request that this matter be investigated thoroughly and remove the erroneous rent collection from my credit report. This error has had a significant negative impact on my credit score, and has currently kept me from being able to rent an apartment. It is crucial that it be corrected as soon as possible. 

I have been unsuccessful in initiating a discussion with XXXX due to there being no contact information apart from a general customer service line. However, I successfully communicated with Rent Debt Automated Collections, the collection agency involved. During our conversation, I was informed that they are unable to provide an update on the matter due to an ongoing dispute regarding the file. When I inquired about the expected timeline for resolution, Rent Debt indicated that the duration hinges on XXXX 's response timeframe. It's important to note that I have not received any written documentation pertaining to this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX  late hits.
Product: Credit reporting, credit repair services, or other personal consumer reports

It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had notice unaware amounts showed debit on my credit report, Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX ) Without my knowledge, please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated and removed from my credit report, Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX charge off on my report is fraudulent and inaccurate information and needs to be removed immediately I've wrote you guys multiple times and you have not removed it like I ask this charge off is hurting my credit score and violating my consumer rights