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

I paid XXXX XXXX and XXXX dollars to order a tesla model 3 AWD full self driving upgrade. The sales person asked if I wanted to secure financing with Tesla or their affiliated companies, I declined and told them I would secure my own financing. A couple of months went by and the TESLA sales team informed me my vehicle was ready to be picked up. I received a text message from the TESLA sales team informing me that I have a loan amount of XXXX dollar. I immediately called the sales team to inquire about the dollar loan. I spoke to a TESLA team member and he informed me that the XXXX dollar loan came from XXXX XXXX XXXX XXXX and they put the money in an account. I was devasted and very heart broken. This public company went behind my back and applied for a loan using my information after I clearly told them I will secure my own funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
Product: Vehicle loan or lease

3 weeks ago I leased a XX/XX/XXXX XXXX from XXXX XXXX, and I was approved for the loan by Mercedes Benz finance. I signed my lease contract, paid 36 months up front and was given the car. 2 days later, they called me saying that I was declined on the loan, did not give me any reasons and told me to wait to receive the letter. I have received the letter yesterday, and it said that I was declined because they could not verify my identity and to call XX/XX/XXXX consumer reporting agency, I called them and they stated that everything is fine on their end and I do not have any issues with my personal information and everything is matching. I also did not have any fraud alerts or credit freezes, they were able to run my credit and it came out with XXXX Fico score. I have no lates, not delinquencies, nor do I have any issues with my credit. I have had a Mercedes Benz in the past, paid off with no issues with them. I paid up all 36 months of the lease up front with their 1 pay lease program. I returned the car back to them after they called me 2 days later, and they gave me back the payment I made, left me with no car. I asked for reason as to why I was declined, especially because there is no legitimate reason for denying me for credit. They did no respond and asked me to wait for the letter. I waited for the letter, and nothing there but problem with identity, I have tried resolving this matter with them and they are no help. I contacted their department where the analyst named XXXX denied, and they are not speaking with me in regards to my application stating that they don't speak to consumers and I should speak with dealership for reasoning. I spoke with financing manager at XXXX XXXX in XXXX, CA and they stated they can't help me either and I should speak with Mercedes Benz finance. I have never dealt with such a problem in my entire 20 years of leasing a vehicle. They are throwing the problem back and forth to each other and I don't know who I am supposed to talk to get this problem resolved. I really want to lease a Mercedes Benz and they are denying me for no solid reason, and are not resolving this case. Please help me, if they are denying me because of my race, sex, or how I would like to obtain my car with a 1 pay lease program that they are offering, then they are discriminating me. I have attached my driver license social and the contract. unfortunately I wasn't Able to attach all 36 pages of the contract because it doesn't accept big files, but I included the key pages, and can submit the full contract through other means if requested.
Product: Money transfer, virtual currency, or money service

XXXX  writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act, XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX & XXXX XXXX ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Dept Of EdXXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; Payment Report XXXX has violated my rights. 

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

U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

financed an XXXX for 12 months with 0 % interest loan date XX/XX/XXXX. 
XX/XX/XXXX made payment for total pay off XXXX XX/XX/XXXX XXXX received email for returned payment XX/XX/XXXX XXXX called customer service to inquire. no security questions asked. instructed me to give banking information over the phone to make payment. refused and hung up XX/XX/XXXX XXXX email received stating account was closed and balance was {$0.00} XXXX bill received for {$200.00} all interest added to the bill XX/XX/XXXX phone call to customer service, escalated to agent. they declined to take the interest off the loan due to their system error. 
XX/XX/XXXX payment made for payoff of original loan XXXX XXXX spoke with 3rd representative declining to remove interest. 
XXXXXXXX XXXX  complaint filed XX/XX/XXXX Goodleap still declines to make their error correct and continue to charge me interest. 
XX/XX/XXXX payment made for payoff to ensure no other damage to my personal credit XXXX They never contacted me after sending me an email and mailed statement stating that my account was closed. The next communication I received was the bill with all of the interest.
Product: Payday loan, title loan, personal loan, or advance loan

My identity and my company XXXX XXXX XXXX was stolen in XXXX. I reported this to XXXX police department report number XXXX in XX/XX/XXXX with officer XXXX ( XXXX ) when it was discovered. I have reached out to Quick bridge funding multiple times and requested the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any information back from them in 2 years.
Product: Debt collection

This debt collector calls my work phone approximately XXXX - 10 times/day.
Product: Credit reporting or other personal consumer reports

I am doing a follow up regarding this inaccurate reporting that occurred in my credit report. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit reports. On XX/XX/2022, several hard inquiries were made on my credit reports with all three major credit reporting agencies ( XXXX, Equifax, and XXXX ), which I did not authorize. 

Details of the unauthorized hard inquiries are as follows : Date of Inquiry : XX/XX/XXXX Companies listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX These inquiries were not initiated by me, and I did not apply for any new credit or authorize any third parties to access my credit information on the mentioned date. The presence of these hard inquiries has negatively impacted my credit score, and I kindly request your assistance in having them removed. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Right to Financial Privacy Act ( 15 U.S.C. 6801 et seq. ), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports and to protect the privacy of their personal financial information. I am exercising these rights to dispute the aforementioned unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

I sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXXXXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history.

2. These accounts were erroneously reported as a result of the Equifax data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly.

3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear EXPERAIN : I noticed that there is an issue with my account and the late payment. 
XXXX XXXX XXXX XXXX : Account XXXX : INACCURATE REPORT/ LATE PAYMENT : Please fix, modify or delete these late payments. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX fails to comply with my cease and desist order and now they are making Transunion and XXXX accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Checking or savings account

On XX/XX/XXXX, I transfer {$30000.00} into my new account that I open a few days with the same bank that call their self chase chase flag my business account and hold on to my {$30000.00} for six days now failure to return my money into my savings account back XXXX  and XXXX attitude workers telling me I have to wait XXXX days for my own money I need to see my money into my account before the XXXX failure to return my money into my account. I will file a discrimination lawsuit against Chase Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and have an account on my Equifax credit report that is a result of the XXXX XXXX XXXX and XXXX were provided the same documentation and resolved this matter, however Equifax declined to remove the fraudulent account. This has been a complete nightmare! Equifax refuses to rectify this matter. This matter was opened on XX/XX/24 and again on XX/XX/24.
Product: Student loan

I am filing this complaint to report unfair practices by Navient related to my student loans. Since XXXX, I have been diligently paying down my loans without missing a payment until XXXX, despite the overwhelming financial burden these loans have placed on me. 

Here are the key points of my complaint : 1. Lack of Repayment Options : I contacted Navient in XXXX to request a lower monthly payment due to financial hardship. Despite having paid on my loans for over 16 years, they informed me that no options were available. This refusal left me with no choice but to miss payments, which negatively impacted my credit score. 
2. Unreasonable Loan Terms for a Young Borrower : When I was XXXX XXXX XXXX, I signed up for these loans with a co-signer. At the time, I had no education or understanding of student loans and their long-term impact. Navient allowed me to borrow significant amounts without ensuring I was fully informed about repayment obligations or alternative options. 
3. Disproportionate Credit Impact : Despite consistently paying my loans for over a decade, the missed payments in XXXX caused a significant drop in my credit score. I believe this penalty is disproportionate given my payment history and the lack of options provided by Navient. 
4. Financial Strain : Since graduating in XXXX, I have struggled to keep up with payments as high as {$1300.00} per month. These payments have severely affected my ability to meet basic living expenses and achieve financial stability. 

I believe Navient has engaged in predatory practices by failing to provide adequate education to borrowers, refusing reasonable repayment adjustments, and enforcing punitive measures that disproportionately harm borrowers with long payment histories. I am seeking the CFPBs assistance in investigating these practices and ensuring fair treatment for myself and others in similar situations. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The deposit of {$280000.00} in cashier 's check was originally made on XX/XX/XXXX. I was asked to make the same deposit again on XX/XX/XXXX, because Relay failed to process the original deposit. To have the funds available on XX/XX/XXXX which is 18 days later is not acceptable. I emailed XXXX, my account manager, support team at Relay, and support team at XXXX XXXX No one is willing to help me to expedite the processing of this deposit.
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 XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account with the email address XXXX. I believe this limitation was a result of a misunderstanding or mistake, as I am confident that I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I have been a loyal PayPal user for [ insert duration ], and I have always strived to use the platform in full compliance with its terms of service. I make regular transactions for both personal and business purposes, and I maintain the utmost transparency in my PayPal activities. 

The permanent limitation on my account has caused significant disruption to my financial activities and has created inconvenience for both me and my business partners. I kindly request that PayPal re-investigates my case thoroughly and with an open mind. I firmly believe that upon a closer examination, it will become evident that there has been a misunderstanding or error in the initial decision to limit my account. 

I humbly request that PayPal considers reinstating my account if the investigation supports this outcome. Restoring my account 's functionality will not only alleviate the inconvenience I am currently facing but also allow me to continue using PayPal 's services, which I have come to rely on for my financial transactions. 

I understand that PayPal takes its policies and security measures seriously, and I fully support those efforts. However, I genuinely believe that this limitation was placed in error, and I am eager to cooperate with PayPal to resolve this matter promptly. 

Thank you for your prompt attention to this appeal. I am hopeful that, upon review, my account can be reinstated, and I can continue to use PayPal 's services without interruption. I am ready to provide any necessary documentation or information to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have funds available in my checking account at TD Bank that I can not access, I have paid them what was owed and closed my account but they refused to close it and will not release my funds.
Product: Credit card

My monthly statements withheld important information about how to make sure my XXXX promotional balances were paid off in time before the expiration dates. I was financially able to make sure everything was paid off in time, but Synchrony never communicated to me how much things work on their end- it felt like a strategic omission of info in order to land me in a position where I had interest charges. I requested information regarding their policy about needing to call in each month to allocate funds for specific promotional purchases. I was never made aware of this until it was too late and I was receiving interest charges. The customer service phone line was absolutely terrible. 

Multiple pieces of info withheld- how equal payments automatically take priority over deferred interest payments - How deferred interest payments dont have minimum payments required - The only way to allocate payments is to call - nothing online for this - So if I want to pay off deferred interest promotions in time, I first need to pay more than the minimum, and then follow up by calling in and asking it to be allocated correctly - The system is not effectively designed to help me make my payments correctly. Theres information strategically withheld, theres nothing on statements or in the terms and conditions. The system is designed to be predatory and create situations like this where I now have interest charges.