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

I purchased a vehicle 2 years ago & financed thru Time Finance in XXXX, Ca. Recently I requested a statement of my account history. After receiving the statement, I learned of additional charges added to my account balance without any knowledge. For the past 2 years additional charges were added to my account balance without my knowledge. Additional charges added for for car insurance in months I had insurance. Also late fees basically every month for the past 2 years, and additional charges that I have no idea what they are & why. Ive been frustrated that I deeply regret buying a car. My car payment is due on the XXXX of every month. I have a 10 day grace period so actually it is late after the XXXX of every month. I pay my car payment every month. I may have been late once or twice bit other then that payment is on the & has been. 
I never received any info in regards to my account. No receipt or any type of information other then car insurance. Since the beginning, I've had issue after issue that I deeply regret buying a car. My experience with XXXX XXXX XXXX has been stressful, anger, regret & so on. I strongly believe Time Finance should be investigated by some type of higher authority due to the so many complaints upon with XXXX & reviews with XXXX & ETC, ETC. On my statement they provided it is so clear to see error. In such a short time with this company, I can say without a doubt this company is so poorly manage that its so obvious that doesn't take much to see. Anyhow, there is so much zi would to add on but for now hopefully this will due for now. If it possible please have this company investigated. Thank you XXXX XXXX. Ps I want everyone to be aware if this company. So no goes thru the experience I've had & still have.
Product: Mortgage

On XXXX XXXX, 2015, I refinanced my house in order to get the mortgage in my name and out of my deceased father 's name. My mortgage was with Nationstar Mortgage LLC at the time I refinanced with another mortgage company. At closing, I was told that I would probably receive a refund. I received a refund this week but can not cash the check ( {$140.00} ) because it was issued to the ESTATE XXXX. I have called Nationstar yesterday and today to inform them that my father 's estate did not pay off this loan, I did and my name should be on the check. So far I have not resolved this matter and am very upset with the way I have been treated my Nationstar Mortgage LLC. I have demanded that they reissue the check in my name.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting or other personal consumer reports

As of today Experian, XXXX and XXXX continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, XXXX says account is closed, Experian and XXXX says account is open. XXXX and XXXX paid on time. XXXX showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!
Product: Debt collection

I have contacted UNITED REVENUE CORPS on multiple attempts regarding this medical debt they have placed on my account. They have not responded within the FCRA time frame or at all. I requested validation of this debt along with a signed HIPPA release form and have received nothing
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax ' data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX. {$2000.00} XXXX XXXX  {$4700.00} ( Inquiry ) XXXX XXXX XXXXXXXX XXXX ( Was given false credit score to bank resulting in being denied and acquiring a new inquiry
Product: Debt or credit management

I used Lexington Law on XXXX separate occasions, the first time was in XXXX for over a year and the second time in XXXX - I was told that If I paid the monthly amount of approximately {$150.00} they would clean up my credit after my XXXX. I was told to stick with it as it takes time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Equifax because when I logged into myXXXX my credit account was not displaying the correct credit score it hasn't been updated since XXXX of XXXX and it said that my credit history was in a it also stated that I had zero credit utilization it also stated that I my information was incorrect as far as credit account balances and credit account history my file is on Equifax is completely blank I've contacted Equifax three to four times since and they have yet to resolve my issue of my credit score not displaying anything any updated information since XXXX of XXXX I've tried to purchase their product to verify if that would work they've declined my purchase they keep giving me the runaround I've asked 4 supervisor help the agent would put me on hold for a few minutes and then come back on and pretend he was a supervisor I don't know what they are hiding or what they're doing but they're not taking care of me as a consumer especially in regards to my credit and personal information I would like for you guys to investigate this incident because I don't have rated score I'm a ghost and they're and they're company according to the information I have on their website.I also have sent my drivers license and social security card with a verification letter to XXXX XXXX XXXX XXXX, ga XXXX. They have completely been dishonest with me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. XXXX keeps telling me their system is being backed up. XXXX  keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try Trans Union. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 Balance : Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

I purchase products with XXXX using Affirm payment plan. Ive returned several items back to XXXX and also notified XXXX the items returned but Affirm hasnt updated the balance. I spoke to XXXX Supervisors XXXX who confirmed the new amount. Per XXXX they have notified Affirm and XXXX sent a text of the new balance on each loan. The problem is Affirm isnt updating my loan amount. They are making me pay the original loan amount as if I never returned anything. My loans should be reduced! Affirm instruct customers to contact the Merchant for refunds. Ive contacted XXXX but Affirm need to fix my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Consumer Loan

I have no knowledge of this debt and would like it removed. Its reporting to my Credit Bureau is affecting me negatively.
Product: Bank account or service

I received a free listing or insertion fees promotion from Ebay. I 've bought about XXXX items and then XXXX more recently for a camera I was going to buy. This was the first time I was selling XXXX extra lenses I had. So I looked through EBay 's website for more information and see if there are additional fees involved and I could n't find anything from EBay 's promotion or website. I was charged {$35.00} by invoice recently which was a surprise. I called the company and may have been hung up on, but was told they would not waive the fees for my situation. I 've learned since the invoice of their final value fees, but I was looking in the wrong pages on their website and it was not clear to me previously. I believe it is unfair and deceptive to new sellers. There should be a fees estimate when you are ready to list an item based on recently sold items or a manually input sales price and shipping expense. It was not clear to me how these fees were calculated or when they would apply, although I have a better understanding of it now. If I would have known how much the fees were ( including Paypal, which was also not stated ahead of time and unclear what they charge, but a bit lower fee so I paid it ) I would have listed them on XXXX for free at least initially. I think Ebay should make there fees more visible as there are many items in front of the fees that draw you away, and you need to scroll down multiple pages to start finding out more information. Finally, the listing has an asterisk on selling fees in fine print, that I learned of after the sales, but does not provide more information. 

In conclusion, there are likely hundreds of thousands of people who have attempted to sell items, but did not know of the selling fees until after their first sales. I think it 's wrong, unfair, and deceptive and would like my money returned for these XXXX sales at the same time that resulted in the fees.
Product: Credit card

COMPLAINT : XXXX In XXXX of XXXX I hired XXXX to redo my kitchen. I received a credit card from XXXX XXXX. I was NEVER satisfied with the work from XXXX ( scratched cabinets, appliances that already need to be replaced, chipped countertops ). Since having my kitchen done, XXXX has closed and filed for bankruptcy. I team that was in my home is gone. I have no recourse whatsoever. 

It is now 7 years later. This account has been sold to Portfolio Recovery ( account number XXXX ). I continue to be harassed by collection calls and letters. Again, XXXX has closed. I have no recourse. 

The information being reported on XXXX, XXXX and XXXX is interfering with my ability to qualify for a new home. This has been unbelievably stressful for me and my family.
Product: Debt collection

I called Blakely and Witt on XX/XX/XXXX2016 and asked to speak to XXXX XXXX XXXX. I asked if he could send me the documents that he stated in our conversation last week stating that I had supposedly signed documents that his company was able to add interest to my original debt. XXXX XXXX XXXX stated " Look I do n't have time to play games with you lady, when you get serious then call me '' and the phone call was disconnected. I tried to call back just but I never got a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I had services completed at XXXX in XXXX PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to XXXX XXXX XXXX in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from XXXX I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with Equifax and they denied my claim stating the information is correct and I owe money. I called XXXX several times and XXXX regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Bank account or service

Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION