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

I leased a car through Credit Acceptance Corp in XXXX, I lost my partner and totaled my car less than a month after purchasing it. My loan was paid off in majority after the wreck through my insurance. Instead of credit acceptance closing the account with the remaining balance. They have chose to leave it open as it continues to accrue interest causing the balance to get higher upon inquiry on settling the account. The company has went up on the settlement balance. Manager XXXX and Supervisor XXXX failed to address this situation and handle it with the proper care, instead I got met with a hostile attitude and unwillingness to assist given the circumstances so much so that they refused to provide basic customer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of XXXX XXXX. The dealer pulled my credit twice and on the same day XXXX XXXX pulled it. As a result my FICO score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These FICO scores are complete nonsense. I am XXXX  of an oncology therapeutics company, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different FICO algorithms, with XXXX XXXX consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made several attempts to withdraw funds from Gemini.com. One for {$500.00}, {$450.00}, and {$400.00}. At the time, I had a balance of XXXX {$560.00} in XXXX. All were denied with the explanation being " Your transfer requires additional review by our risk team and can not be completed at this time. '' This is really frustrating, and I don't consider the explanation provided as legitimate. Why does withdrawing funds that are rightfully mine pose a risk? Those funds are my rightful property and I should be able to withdraw them at any time, irrespective of any risks to me from doing so. Alternatively, if the message implies my withdrawal in such small amounts is a risk to Gemini, I would respectfully suggest that Gemini 's capitalization deserves further scrutiny. If a simple {$500.00} withdrawal request can put millions of consumer investments at risk, that is an issue worth looking into. 

Thank You, XXXX XXXX
Product: Student loan

Misleading me about improvement in credit score and the consequences of federal student loan rehabilitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 

- Was working a forbearance plan with XXXX XXXX XXXX for few month. 
- Right almost at the end of the plan when I was about to start making payments again, my loan was transferred to another servicer " XXXX XXXX XXXXXXXX ''. 
- We applied again for the continuance of the forbearance for few more months, and right in the middle of the application and even within the 60-days of transfer of servicers protection they reported me delinquent. 
- Transfer of servicers rights happened on XX/XX/2021 and I was never ever able make payments to the new servicer via the web or the app as my loan was locked due the current forbearance with the previous servicer. 
- Bottom line I was locked for payments, applied for new forbearance and home help, they replied and asked for more documentations, and regardless of this, and besides the 60-days protection for servicer transfer protection they still reported me delinquent for XXXX ( late 120 days ) to the credit bureau hitting me with over 200 points negatively in my score. 

Also the number of days delinquent is wrong!!!! They are reporting 120 days ... .or hey are really missing some payments from previous servicer. 

Can you please help? they don't listen or want to help or advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

According to the FCRA ; this creditor has violated my rights under the 15 USC 1681 section 602 sates I have a right to privacy, 15 USC 1682 604 Section 2 ; it states a consumer reporting agency can't furnish an a. Pint without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the item from my 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 creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
SYNCB/PPC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I tried to pay my mortgage on XX/XX/XXXX. The payment came back NSF. I transferred the small amount I had in savings to my checking account to cover it and called the bank to ask if the payment would reprocess. They told me to call GMFS. GMFS told me that it would NOT reprocess and that I would have to make another payment. I asked several times to make sure it would not be taken out of my account twice. The rep assured me it would not, so I made another payment on XX/XX/XXXX for {$890.00}. When I looked at my account the next day, ANOTHER payment for {$890.00} was taken out titled " Retry payment. '' So the customer service rep lied to me. 

I called immediately after I figured this out and had to wait for a callback. When they called back, the rep told me he put in a request to refund and escalated it to a supervisor. Two weeks later, I still had not received my refund. Meanwhile, I could not pay ANY other bills during this time because GMFS had my money. 

I called again on XX/XX/ and again had to wait hours for a callback. I was told that the request for a refund had been DENIED, but they could not give me a reason why. I asked for a supervisor and waited for her to answer. The supervisor said she would have to check with someone else and would call me back in an hour. She never called back. 

I started messaging GMFS on XXXX because they seemed to be more responsive on that platform. Finally another rep called me and told me they would send a check out in the mail and overnight it. I NEVER RECEIVED THIS CHECK. 

We are now 3 weeks past the date that my mortgage was taken out twice. I have not been able to pay other bills because of this and have been racking up credit cards to buy food and essentials. I have tried contacting them several more times, but they are so hard to get in contact with right now.
Product: Debt collection

I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.
Product: Checking or savings account

Bank Of America is reporting to XXXX XXXX that the following account was mine. 

Account # XXXX They said the account was closed due to transacting. 

I never had this account nor did I open it. 

I have called them and their Risk / Recovery gives me the run around. I have been tying to get this removed from XXXX XXXX for a yr! 

Please help me resolve this, Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint to LENDINGPOINT LLC that I want to dispute specific records in my credit file that I find erroneous. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. CREDENCE RESOURCE {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a case of fraud on my XXXXXXXX XXXX  credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX has mishandled this entire matter from the beginning.
Product: Debt collection

They indicated they brought the debt from another company I stated it wasn't my debt
Product: Debt collection

PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX FRAUDULENT PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX TO : PENN CREDIT CORPORATION : Under the provisions of [ Public laws 95-10 995th Congress and 99-361 99th Congress ], known collectively as the Fair Debt Collection Practices Act ( FDCPA ). I am formally notifying you to Cease and Desist all communications with me regarding this alleged debt, or any other alleged debts that you allege I owe to your XXXX XXXX XXXX 

RE : XXXX PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX Please be advised that if collection attempts continue after the receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Michigan State Attorney General 's Office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you in your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handle it with the full legal rights and remedies available to me with regards to current consumer protection laws.
Product: Consumer Loan

My husband and I opened a car loan for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX we had the car repossessed for being a month and a half behind. My husband had been having health problems and returning to his old job was not an option. We paid the amount to get the car back and made a payment arrangement with them. They offered the car at {$570.00} a month and we were agreeable. Unfortunately the first payment was to be made two weeks later and we could n't do it until 6 days later, somehow we were not able to get them to do a payment arrangement and we owed all this money up front. They accepted the {$470.00} every month on the XXXX and we finally got a payment arrangement on the XX/XX/XXXX for {$470.00} that day and a {$100.00} two weeks later and we would start paying {$570.00} on the XXXX and then continue with {$100.00} every two weeks after the main payment date. We have held up our part and yesterday the XX/XX/XXXX at XXXX I am having threatening calls of repossession after we already agreed on XX/XX/XXXX for payment arrangements. I checked my credit report and on both XXXX and XXXX I am current on the payments with {$0.00} behind. Credit Acceptance will not allow me to access my account online nor will they tell me why I owe {$840.00}. I have asked for them to send me a statement or an account summary 4 times now and I have yet to receive ONE. We have spent a ton of money on this vehicle and somehow we are told we owe different amounts each time I talk to a representative. It is {$370.00} or {$470.00} or {$840.00}. They NEVER tell me what I owe for but if I do n't pay today they will repossess my car. Forgive me for the angry rant, but this is really really bad for my husband 's health which he is on the XXXX list. We are both trying to make this work and each time we work something out, they call me with repossession threatening phone call. The last payment arrangement I asked for them to email me an arrangement document, they said they do n't do that. My husband told me they would n't honor it because they have yet to honor any agreement we have made. I paid on the XXXX the {$100.00}, two weeks after I made the {$470.00}. It was on the XXXX we started getting these threatening calls without being able to tell me why I owe so much. They wo n't send me anything like they have n't the 4 times I have asked. This company has crooked practices. I will NEVER EVER get another car loan through them.
Product: Mortgage

I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence and have called Wells Fargo several times and have not received an answer. First letter was dated XX/XX/XXXX and then another letter dated XX/XX/XXXX. I filed a complaint directly over the phone with Wells Fargo today XX/XX/XXXX as well. 

I am asking Wells Fargo to remove my paid account from the 4 credit bureaus XXXX XXXX XXXX XXXXnd XXXX. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit reports. 

Wells Fargo please remove account # XXXX from XXXX XXXX 's credit reports as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank of America Credit Card account was compromised. It was paid off and now has a {$9200.00} Balance.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and I have several inquiries from car dealerships. XXXX of them is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX of XXXX just to name a few I have not inquired about a car loan since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to make payment arrangements but had difficulty accessing online and reaching by phone. Multiple times I got transferred the call dropped after extremely long hold times this lead to inaccuracies and even closer of account. Which further causes more damage to my credit score. Ive spent countless time talking to multiple people who promised to correct and still no follow up on what I was told
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the fair credit reporting act bank of america has violated my rights
Product: Credit reporting or other personal consumer reports

This company The CBE Group XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit reporting act ( company ) 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 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission
Product: Mortgage

Our mortgage lender ( ServiceMac ), has fraudulently purchased hazard insurance in our name after receiving proof of prior home insurance already in place without lapse in coverage. ServiceMac first sent a letter in requesting proof of insurance in XXXX. In response our insurance company faxed our current policy on XX/XX/XXXX stating that we are in fact covered. Assumed this would be enough to assuage their complaints, it was not. ServiceMax claims our address was not accurate on our insurance policy. We have evidence stipulateing a change of fire number as early as XX/XX/XXXX as mandated as a county ordinance for XXXX County in Wisconsin. Address for property is the same as property address on our Tax Bill, and matches the address on our insurance policy. ServiceMac refused to update address and hence claims that we do not have insurance on our property and proceeded to purchase hazard insurance on our behalf from a subsidiary company that they own. The insurance company policy address they used and their own address are the same. We have sent multiple faxes of proof of address and policy and they have refused to update their records. Most recent attempts to finalize problems were XX/XX/XXXX. As of now, our account has been charged XXXX with insurance coverage taking effect on XX/XX/XXXX.
Product: Mortgage

Mortgage transferred XX/XX/XXXX. Due to poor mail service, did not receive notice from new mortgage company ( XXXX XXXX ) until after credit union auto pay was sent to old mortgage company ( Dovermuehle ) on XXXX XXXX for {$2100.00}. XXXX. Funds were deducted from my checking account. Payment was never forwarded to new mortgage company. Called old mortgage company on XX/XX/XXXX. Old mortgage company took 30 minutes to find were the deposit went in their system because they lost it. On that call they told me the funds will be deposit back in my account XXXX XXXX. Funds never received in by checking account on XX/XX/XXXX. Called XXXX XXXX at XXXX XXXX ET. Telephone system repeatedly dropped the line while on hold. 90 minutes and 3 calls later, I finally connect to find out the note to transfer the funds was lost and that I should wait longer. I need to pay the new mortgage company and the old mortgage company is holding my money and has yet to return it and I am told that until XX/XX/XXXX, there is nothing I can do.
Product: Debt collection

BMG has pushed me to tears. They repeatedly tested, left phone message and emailed all within minutes. For months. I filed a complaint with CFPB and BMG responded with untrue information. I have attached a log sheet I created to show the constant barage of communications. BMG did not include an option for me to opt out of these electonic communictaions. Also, I never would have done business with them had I known my positive payment history would not make a difference in my interest rate. And had I known, I would not have done business with them because they put each refi as a new loan. My credit report shows many loans with BMG. This transaction with BMG has proven to be detrimental to me, my mental state and my financial picture. I honestly thought as time went, my interest rate would adjust with my payment history. Now I'm XX/XX/XXXXXXXXXX/XX/XXXXand can no longer afford the payment. I fell behind when I was out of work. Look at how they harrassed me constantly.