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

I have a lease with Hyundai. I lived until XX/XX/2020 in XXXX CA with a tax rate of 9.5 %. Once I signed a new lease in XXXX XXXX, when I went to make my payment in XXXX I changed the address to the XXXX XXXX Address with a tax rate of 10.25 %. I paid my bill as usual, with the current amount of {$440.00} and found they were trying to collect in error {$3.00} for taxes in XXXX XXXX. I called and told them I did not surrender my XXXX XXXX till XX/XX/XXXX, moved in XX/XX/XXXX to the new residence and would not pay. They told me since I changed my address ( they did not give you an effective date by the way ) they were charging me as if I lived there even though my lease didn't seven being for me to take possession till XXXX. I let them know I would never pay it since it was not due, they refuse to adjust their records to reflect the correct information. I refuse to pay this additional tax just because I was proactive in changing my address which I did with several vendors and no one has tried to collect undue tax.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : 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 have been receiving " per-qualified '' offers and cash advances. I went to XXXX and opted out like all of them said to do. I received and mailed back the form to be permanently opted out. I am still receiving offers. One of them has XXXX  and one of there divisions XXXX XXXX XXXX or Clarity Services Inc ( as their e-mails says ). 

I contacted Clarity and was told I had to opt out with them directly and they were not part of XXXX. They are part of XXXX  their own customer support e-mail says they are. 

I believe this is all just a way for XXXX  and other Major credit bureaus to get around the opt out. They are making a lot of money with " selling '' my information so why would they stop. There is no incentive for them to stop. We don't have any ability NOT to be on any of these and we have no rights over how our information is used. We should be compensated by any company that violates the opt out.
Product: Credit card or prepaid card

Can not get access to online account due to trouble on Barclay 's end. I have been trying to gain access for XXXX months.
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 confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, and XXXX XXXX : Hard Inquiry, 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.

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.
Product: Credit card or prepaid card

On XXXX XXXX-XXXX there were charges that took place on the account that I did not authorize. I didn't authorize, I wasn't present for, I don't know who it was, didn't authorize anyone else, nor did i benefit from any of those. This information was informed to the company once I noticed the charges. There was also no notifications sent while the charges were made sent to my phone nor email that I could have validated stating I was making the charges. I informed the company of that information as well. I also had a traumatic event that was going on at that time as well that was relayed to them. I didn't have the card in my possession. There is nothing that can be proven nor show I did because I absolutely didn't. If film is pulled, signatures from the merchants, etc will 100 % support and verify that. Also have people that can account for location and where I was at when it shows those charges occurred. Also discover states : All Discover Cardmembers are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. They asked me if I could do a police report and informed them that I don't live there and that drive would be an inconvenience for me because of taking care of my sick mother  and also my XXXX year old daughter who I have custody of and am responsible for all her care and cost. Also that wouldn't feel comfortable with all that is going on doing that because I had been following things for months now. They informed me that everything would be ok and that charges are credited and wouldn't be responsible for charges and that I was 100 % covered. I went on with my day to day. Later I requested to cancel the card because the card didn't benefit me, there were no perks, always and issue with security measures and seems lack severely with defense. I stated that would like it canceled. I paid the balance I had on account and the account was closed. The account was closed on XXXX XXXX 2020. I recently received a letter stating that upon reviewing facts of case that was determined bo fraud occurred. That is so erroneous and completely inaccurate. I have FACTS behind me supporting I didn't use. I do not owe this balance and will not be paying. I also will contact an attorney if necessary and do all that will be needed. I think this is a retaliation tactic because I closed the account. I will contact media, XXXX, attorney 's, and any other source I need to so that this story can get out there and make this known and very public if this isn't corrected as soon as possible. There should be no balance and the account should be closed in good standing with no balance. I won't let them get over on me now or again.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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.
Product: Checking or savings account

On XX/XX/2023 i submitted a fraud claim # XXXX for transactions i have incurred the past couple of days, however they denied my claim within a couple hours without even investigating thoroughly the legitimacy of the transactions. 

I was a victim of a car break in where my wallet along with numerous credit/ debit cards, identification cards such as my drivers license were stolen along with audio equipment attached to my vehicle as well as my cellphone/apple watch. A police report was filed and also an insurance claim with XXXX ( car insurance ) and XXXX  ( Cell phone insurance ). 

Im extremely frustrated with the handling of my claim by wells fargo as you cant expect to have a trough investigation into a claim from 4 different merchants to be concluded. 

I was able to reach out to one of the merchants ( XXXX ) and was informed that indeed my information was used to purchase tickets with them and if i wanted to dispute the purchase i would have to go thru the financial institution. The gentleman i spoke to mentioned that the transaction was made by an " XXXX XXXX " " XXXX '' to whom i have no knowledge who he or she is nor did they have authorization to conduct such a transaction with my information. 

Police report # XXXX taken by XXXX Police Department ( XXXX ) XXXX, XXXX Claim # XXXX, XXXX claim # XXXX.
Product: Debt collection

My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone
Product: Mortgage

Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, XXXX % /annum, $ XXXX 2. XXXX XXXX took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Force me to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13.  No answer as of today XX/XX/XXXX
Product: Debt collection

I lived in an apartment community, my lease expired and I moved out with proper notice. I received final notification from apartment community that stated I was leaving with no balance and proper notification. Company placed a bill with collections, and I have contacted to get this resolved. Apartment management stated they do not show a balance for me and can not assist if there is no account with money owing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please remove and block this information from my credit report within 4 business days pursuant section 605c of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

Y ou need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Credit reporting or other personal consumer reports

I have reached out to this company on multiple occasions and have gotten no response. I am well aware that if a creditor sold my collection or charge off information without my knowledge or consent, I have the right to dispute it under the FCRA. Please refer to section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Mediator, I am writing to you as a borrower of a loan from XXXX XXXX XXXX. I am requesting your assistance as a mediator to help me and the lender resolve a dispute over the terms and conditions of the loan. I believe that mediation is a better option than litigation, as it can save time, money and stress for both parties. 


The loan I took out from the lender was for {$300.00} However, I was not informed that the minimum payment of {$90.00} would not cover any of the principal amount of the loan. As a result, I have been paying the lender {$90.00} every XXXX weeks for 1 month, which adds up to {$180.00}. This means that I have paid the lender more than 745 % of the original loan amount ( {$1400.00} after the XXXX payments are completed ), which is unreasonable and unfair. 


This loan has caused me and my family a lot of financial hardship and emotional distress. I have been struggling to pay my bills, rent, groceries and other expenses. I have also been feeling XXXX, XXXX and hopeless about my situation. I feel that the lender has taken advantage of me and violated my rights as a consumer. 


My goal is to get out of this debt trap and move on with my life. I am willing to pay back the principal amount of the loan, which is {$300.00}, plus a reasonable amount of interest and fees ( {$90.00} ). I am also willing to negotiate a payment plan that is affordable and realistic for me. I am not asking for a free ride, but for a fair deal. 


I hope that you can help me and the lender reach a mutually satisfactory agreement through mediation. I am ready to cooperate and communicate with the lender in a respectful and constructive manner. I am available for mediation on [ days and times ] and I prefer to meet at [ location ]. Please let me know if you accept my request and when we can schedule the XXXX  session. 


Thank you for your time and attention. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Debt collection

Call log XXXX XXXX I received a call from a number looking for someone else. When I asked who was calling they gave me their personal name. I asked where they were calling from. Told me ConServe. I asked what ConServe was, and they said " A service provider, offering professional services to confidential clients. '' When I called back it says they're a debt collection agency and that my account had " been found. '' An account I don't have. This is deceptive business practice. Look at their other complaints on XXXX, always hiding their response. How did they get my number? Why are they calling me regarding someone else? And why is my number added to an account that is clearly not mine. The Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair, deceptive, or abusive practices. Adding my name and number to an account without my permission or legal responsibility, while using semantics to try to supercede understanding the actual purpose of their call is absolutely deceptive.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated.Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX 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

On XXXX XXXX XXXX XXXX violated my rights , by reporting false information on my report, that result in multiple ( 3 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( XXXX ) regarding their negligence in reporting accurate information to the credit bureaus, which has significantly impacted my credit score and ability to secure a home loan. This situation has resulted in financial losses, multiple hard credit inquiries, and considerable mental distress. 

Background Information : I currently hold seven credit accounts : XXXX XXXX XXXX XXXX XXXX XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I began the process of purchasing a home and approached multiple lenders for a mortgage. During this process, the lenders performed hard credit inquiries, and I discovered that my credit score was being reported as XXXX, significantly lower than my FICO score of XXXX. After several hard inquiries, I investigated further to understand the cause of this discrepancy. 

Details of the Complaint : Incorrect Reporting of a Delinquent Account : Upon investigation, I discovered that XXXX had erroneously reported a delinquent account under my credit profile since XXXX. 

This delinquent account was incorrectly attributed to me, which negatively impacted my credit score. 

I contacted XXXX on XX/XX/XXXX, and they acknowledged their mistake. They subsequently removed the erroneous account from my credit profile. 

Failure to Report XXXX XXXX XXXX  Account : While auditing my credit reports with XXXX, XXXX, and XXXX, I noticed that XXXX failed to report my XXXX XXXX card, which I have held for seven years. 

Only my more recent XXXX XXXX card was being reported. The absence of the XXXX XXXX card further affected my credit score, as it did not reflect my full credit history. 

I contacted XXXX, and they stated that they had initiated a request with XXXX to correct this error. However, they informed me that it would take up to 60 days to resolve. 

A similar case happened where Discover had reported an additional account on my XXXX report. I raised dispute request with XXXX to remove the errorneous account. XXXX dispute Confirmation # XXXX Impact on My Mortgage Process : Due to XXXX reporting errors, my credit score was inaccurately low when lenders conducted hard pulls on my credit. 

This led to repeated hard inquiries by multiple lenders, further compounding the negative impact on my credit score.

As a result, I was unable to secure a mortgage to purchase a home, causing significant financial and emotional distress. 

Impact on Me : Financial Losses : The lower credit score disqualified me from favorable loan terms, increasing my cost of borrowing.

Repeated hard inquiries have further diminished my credit score.

Mental Distress : The prolonged process of addressing XXXX errors and the resulting delays in securing a home loan have caused considerable anxiety and frustration. 

The situation has disrupted my ability to make timely financial decisions, undermining my financial stability and peace of mind.
Product: Checking or savings account

on XX/XX/2021 I receive a letter from Wells Fargo stating that my application # XXXX was not approved. They stated as reason - Nature of credit risk posed by termination of other accounts. And they said they based their decision on a report by XXXX. I order the report from XXXX as soon as I got the answer from the bank and my credit score is XXXX and there is nothing against me now or in the past. Talking to the company, they stated I was banned forever from the bank and will not be able to open an account never more. I also verified if my name or any entity where I'm or was connected has any restrictions posted in XXXX  and some other similar services and I could not found anything. The bank may be base his decision in unreliable sources or simply decide to discriminate me. I'm uploading the letter from the bank and the credit report as reference.I 'm not criminal as the bank try to make me feel and I deserve to have equal and fair treatment from this bank.
Product: Student loan

My employer submits a $ 100 monthly payment on my behalf to my student loan servicer. The payment for XX/XX/XXXX has not been applied to my account as of XXXX XXXX. When I noticed this missing payment, I reached out to the vendor my employer uses to disburse funds, and they confirmed they had sent the payment on the appropriate date and time. Then I reached out to my student loan servicer who confirmed that no employer-supplemental payment has been applied to my account for XXXX. They told me to upload documents proving my employer sent the payments to my portal, which I did. After days of not hearing any updates, I reached out again. My servicer let me know they did not see any documents attached to my portal and had no record of my complaint. I followed up via email and submitted the documents via attachment and to the portal a second time. They emailed me to ask me to reach out to my employer vendor. I let them know I had done so already and they confirmed payment. After weeks of calls like this, I was told I would receive a call explaining the processing time of the issue and what they are doing to remediate it, including backpayment of the interest I am accruing erroneously due to their mistake. I have not heard from my servicer since last Friday, despite calls and emails.