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

In XX/XX/2018 I traded-in a leased XXXX XXXX XXXX for a new, XXXX XXXX XXXX which I purchased at the same dealer ( XXXX XXXX XXXX, FL ). 
Any further financial obligation for the car lease on the XXXX XXXX XXXX was, I was led to believe, the responsibility of the dealer. 

In XXXX, I received a bill for excess wear-and-tear on the XXXX XXXX for {$340.00}. I sent in the payment and GM Financial has acknowledged receiving it on XX/XX/2018. YET, FOR SOME REASON, GM FINANCIAL FILED A NEGATIVE CREDIT REPORT ON ME THE NEXT DAY ( XXXX ) THIS DESPITE THE FACT THAT PAYMENT WAS MADE AND DESPITE THE FACT THAT A REP HAD INFORMED ME THAT THERE WAS AMPLE TIME IN TERMS OF A GRACE PERIOD FOR THE PAYMENT TO CLEAR. 

It gets worse ... 

On XX/XX/2018 when I called GM Financial to follow-up, the recorded announcement stated not only that the {$340.00} was received, BUT THAT THE NEXT REGULAR LEASE payment was due in XXXX. 

I would like CFPB to do 2 things : 1 ) compel GM Financial to do the right thing and immediately retract its unwarranted negative credit report and note that it was filed in error ; and, 2 ) compel GM Financial and XXXX XXXX XXXX to work out between them the matter of any remaining lease payments on the XXXX XXXX, as per my trade-in agreement in XX/XX/2018.
Product: Mortgage

We paid off a loan with Caliber Home Loans on XXXX XX/XX/2021. There was an escrow ( impound account ) that had a balance on XXXX XXXX of roughly 9000 dollars. On XXXX XXXX they did a system update after which showed a balance of XXXX dollars. There was no taxes owed since we had prepaid the taxes in XX/XX/2021. They say they did not attempt to pay the taxes yet there system update subtracted the amount. They say they need 0 days to research what happened. Meanwhile they have 21 days to pays us the balance of the escrow account which means they cant pay the amount owed to us in the 21 days allowed. They propose to pay us the XXXX and have us hold onto the check.
Product: Debt collection

1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

GAteway Mortgage group has repeatedly reported historical information incorrectly to the Credit Bureaus THis has caused me irrecoverable harm. I have missed the oppurtunity to purchase a new home because of the Errors on the part of Gateway Mortgage group currently it is showing over 120 days past due however this home was foreclosed in XXXX of 2019, 4 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus TransUnion and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a letter addressed to me in my maiden name from Chase stating my application can not move forward until i contact transunion and lift the freeze then call them back at XXXX XXXX XXXX. 
1. I never applied and woukdnt in maiden name. 
2. First thing that # asks for is social. I hung up 3. I XXXX chase and called number. The options sound exactly like when i called the chase # from my moms credit card. 
4. The number called was XXXX XXXX XXXX. They asked name... maisen and married, social, address and said the address did not match. When i stressed it was fraud they put me on hold, 3 min later i got beginning recording, waiting, spoke with rep who asked social, said she could not verify my identity and asked for phone #. Said she would call me back in 30 seconds to verify my identity 5. I then went on and called chase # on back of moms card again. They put me thru to fraud who then put me to application dept. I hung up after 8 mins.

6. Went online and verified all 3 credit agencys have my credit reports frozen. 
7. I am worried they might try something funny as far as taxes or use my social in some other manner.
Product: Debt collection

Santander used a third party back in XXXX to repossess my car then overcharged me to get it back when it shouldve never been stolen in the first place I dont owe them anything.
Product: Debt collection

Please Contact all XXXX XXXX Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower loan has run my credit several times and i have not tried to take out a loan or given them permission in any way to run my credit. I reached out to them and they have denied running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the Fair Credit Reporting Act for unlawfully obtaining my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX I applied and received a XXXX Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted XXXX to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called XXXX back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because XXXX has been reporting me late every month. How can this be when they take the money automatically each month. I called XXXX that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called XXXX again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEXIS LEXIS, XXXX XXXX XXXX, AND CLUE CONSUMER REPORTING ARE ALL REPORTING FRAUDULENT INFORMATION IN MY NAME AND DRIVER 'S LICENSE HISTORY DAMAGING AND SLANDERING MY GOOD NAME. LISTING TRAFFIC TICKETS AND FALSE INSURANCE CLAIMS. I HAVE NEVER RECEIVED A TRAFFIC TICKET CITATION OR HAD A TRAFFIC ACCIDENT IN MY LIFE. 
THIS IS GENERAL NEGLIGENCE. 
AND A CLEAR VIOLATION OF THE FCRA RULE OF LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information and closed bank accounts listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX is inaccurate, fraudulent and not my closed bank accounts : XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX Bank, Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, The following credit Inquiries are fraudulent and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hi make Wise Business account for my online remittances. but without any notification and any warning they close my account. At the time of making account they charge me XXXX $ as there fee. I am using that account for my online services. I made my account on XXXX XXXX and at the date XX/XX/XXXX when I am try to login its shows your account is deactivated. Next day I make appeal on that but today I get E-Mail that we cant open your account and also we didn't let you know the reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Product: Checking or savings account

From XXXX. someone had used my debit/bank card ending in XXXX at various places such as ATM 's, gas statins, XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX, etc. This card and its information was in a seperate wallet that i do not carry with me at all times and was kept at home along with my PIN numbers and passwrds for this account and many others. All transactions are unauthorized or fraud as they were conducted without my permission and I have not received any benifit from. I have promptly notified US Bank and that I hall have zero liability for these transactions. There are additional transactions made onlince of which I need to file and report with IC3.GOV per your advise. My card was stolen. I last used and saw my debit card on XX/XX/19 either at US Bank or XXXX. And then I never saw again. 
Police report has been filed and attached.
Product: Credit card

I responded to a XXXX advertisement for XXXX. They were offering XXXX XXXX sales. I placed an order which I never received in the amount of {$54.00}. 
I made this purchase on My GM card through Marcus by Goldman Sachs. The receipt was emailed to me and it was from XXXX. I trusted it was legit and it wasn't. I have disputed this twice and both times itvwas not resolved in my favor. XXXX does not exist and GM should have been able to figure this out.
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX XXXX regarding a derogatory mark being added to my account. Upon checking into this, Waypoint Resource Group placed this mark upon my credit. It states they are collecting on behalf of XXXX XXXX which has been aquired by XXXX XXXX. I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. This account was paid in full and closed upon me moving. Fast forward 4 years and Waypoint Resource Group has hit my credit, collecting on the XXXX account that was paid in full and closed. I called Waypoint Resource Group XX/XX/XXXX and was told by a representative that indeed I owed this " debt '' for {$380.00} and I explained my account was paid in full and closed since XX/XX/XXXX. The representative stated this wasnt true and I owed the supposed debt and tried to collect on it. I explained for the second time, the account was closed and paid in full and the representative stated they would continue to hit my credit and collect and than they ended the call. I work in XXXX XXXX for a XXXX XXXX and am stunned at the collection efforts from this company. First off, I did not receive one phone call regarding this account by XXXX or Waypoint until my credit had a derogatory mark placed on it. I did not receive one written communication from either. Multiple compliance and regulatory laws were broken. FDCPA laws were broken immeditately since no collection attempt was given before credit hits. No debt validation was given. TCPA laws were also breached when the representative said they would continue to hit my credit and collect before they ended the call. The call recordings are recorded im sure, as well as documentation on there end of all collection attempts phone or written. The next step I will take if Waypoint doesnt stop all collection attempts and fix any credit marks is hiring an attorney and subpoena those collection efforts. There wont be any real attempts, because like I stated I havent received one phone call or written communication from XXXX or Waypoint. The only communication was a phone call placed by me to Waypoint XX/XX/XXXX. I am filing this CFPB complaint, a XXXX complaint and the next step will be hiring an attorney and contacting my state attorney general. After I talked with the representative at Waypoint, I noticed similar complaints on their XXXX site, and many if not all had the same issue with no collection attempts before credit hits were placed. In my circumstance, there was no debt since it was paid in full and closed XX/XX/XXXX, and there was no collection attempts to rectify their mistake before hitting my credit. They have numberous similar complaints all within the last month, so I dont know if they have system issues, employee issues or a lack of overall collection knowlegde. Just to reitirate, I want Waypoint Resource Group to stop all collection activity and fix any credit hits on an account with XXXX which was paid in full and closed XX/XX/XXXX. If they cant, an attorney will be hired and all collection activity with be subpoena, as well as the Alabama attorney general contacted and Texas attorney general since thats where Waypoint is located.
Product: Mortgage

Our mortgage was through XXXX XXXX XXXX. XXXX sold our paper to NationStar. We received notice of the new name and address to send our payments to. As we were in bankruptcy at the time, we received no billing statements to show the amount due or credits being applied for 2 or more years. We had been paying {$1400.00} each month. Not once did they ever inform us that our payment amount was actually {$1400.00}. We had transposed a number and it was never corrected. Then in XX/XX/XXXX our bankruptcy attorney gets information that we are over {$5500.00} in arrears and that we had n't paid our mortgage since XX/XX/XXXX. We sent all the proof that we were paying our bills and every person and attorney that our attorney spoke with had a different explanation and amount that was due. Needless to say, we determined that it was the difference between the {$1400.00} and the {$1400.00} that had actually caused the shortages and brought our account 100 % current in XX/XX/XXXX. Now on XX/XX/XXXX we get 3 letters dated within 1 day of each other advising us that we are in arrears {$5200.00} which is money owed since XX/XX/XXXX. They are trying to steal our money and steal my home! They also claim that they are sending documents certified mail and they are not. No one signed for anything and it was delivered in an envelope with our regular mail. They are now calling themselves XXXX XXXX. They are threatening to foreclose on our property and we are not even 30 days late to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX, and XXXXcardXXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that are on my report that are no longer active and or closed that I can not remove because I am denied access to Equifax user login.