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

I am extremely disappointed in Global lending Services. I have received by far the worse customer service ever and by supervisors. On XX/XX/XXXX while speaking with a supervisor name XXXX ( who states he is the only XXXX in the building ) I asked for a manager and he stated Managers do not take calls ; I am the highest you can go when I repeated this to him, he changed his statement but still denied my upper management. I have been calling in since XX/XX/XXXX in reference of my XXXX XXXX XXXX. I have been asking why I have an additional XXXX added to my loan. 
In XX/XX/XXXX, I was told to look at an itemized list and find all the zero-interest balance as those zeros are because no interest was taken out of those payments, yet I was charged interested on those payments. In XX/XX/XXXX, I was told that the because I put 8 payments ( over the time of my loan ) at the end of my loan that I would be extended to XX/XX/XXXX and I would have to pay XXXX on my maturity date. On XX/XX/XXXX, I was told by one supervisor that the pay off is XXXX because I was late my entire length of my loan. I asked her was I charged interest on top of interest and she said no! She sent over the principal and interest statement alone with the loan amortization schedule. When asking more in-depth questions she placed me on hold for about 10 minutes then the phone hung up. 
On XX/XX/XXXX is when I spoke with XXXX. He constantly stated I should look up a simple interest loan on XXXX to understand my loan. I am well aware of a simple interest loan. The more XXXX spoke the more it seems as if I am being charged interest on top of interest which is a compound interest loan which I do not have. I advised that I have already paid XXXX of the XXXX agreement. Late fees and other charges are XXXX. The Loan Amortization Schedule says as of XXXX principal balance is XXXX with interest amount of XXXX but a pay off of XXXX? 
There are a total of XXXX payments with XXXX for interest balance but interest was calculated. There are XXXX payments with XXXX for principal but was calculated. If I have already paid XXXX of which XXXX was paid in interest ( supposed to been XXXX ) and the remaining balance went towards principal? If that is the case then that means I was charged interest on top of interest leaving my principal not being paid and a balance of XXXX which is still less than XXXX. Everyone wants to say the balance is correct but no one can actually explain how the balance is correct if I was not charged interest on top of interest. 
After going over every payment, every interest, every principal line I should owe roughly XXXX. That is XXXX payments of XXXX ( which brings me to XXXX payments in the amount of XXXX ). I have made a total of XXXX payments to get to the amount of XXXX being paid to Global lending services. 
Simple interest is the interest charge on borrowing that's calculated using an original principal amount only and an interest rate that never changes. 
Compounding interest is where borrowers end up paying interest on principal and interest that grows over multiple payment periods. 
Sincerely An Unsatisfied customer.
Product: Credit reporting or other personal consumer reports

ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

New York ( XXXX XXXX ) Credit giant Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers XXXX  have been wrongfully denied credit, the company said in a statement. 
XXXX XXXX  XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of Equifax 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While Equifax did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said Equifax told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX XXXX  be have been incorrect. 
Equifax wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they XXXX  have if they were issued loans at a higher rate or denied a loan outright because of the snafu. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XXXX XXXX I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. Equifax needs to be held accountable even if that means paying individuals affected, especially myself.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : CAPITAL ONE AUTO FINANCE Account Number : XXXX Account Name : CAPITAL ONE AUTO FINANCE Account Number : XXXX Account Name : CAPITAL ONE Account Number : XXXX Account Name : CAPITAL ONE Account Number : XXXX
Product: Debt collection

In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX  had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp   representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Experian.
Product: Vehicle loan or lease

We have been making regular on time payments to Mercedes Benz financial since the inception of the lease in XXXX of XXXX. 

On or about XX/XX/XXXX we received a check from Mercedes Benz Financial Service in the amount of {$1700.00}. When we called to ask why were sent this check none of the customer service agents knew why we were sent the check, and stated that we were 60 days in arrears on the account. We stated that we had copies of the cancelled checks that we had sent and could provide them. We were told that they would be in contact with us and nothing more was ever heard. They would call my office and when my receptionist would answer, but there was never anyone on the other end of the line. 

On XX/XX/XXXX I was contacted by an XXXX from Mercedes Benz Financial and told that our account was 96 days in arrears and our vehicle was slated for repossession. I, once again, reiterated that we had copies of all of our cancelled checks sent to Mercedes Benz Financial Services and could provide them. She stated that the checks we were sending had the incorrect Mercedes Benz Account number on them, they could not transfer funds from the account that was credited with our check without our permission, and in order to prevent repossession we would need to complete a wire transfer in the amount of {$6100.00}. 

We at that time made the wire transfer to Mercedes Benz. 

We called back on XX/XX/XXXX to confirm that they had recieved the wire transfer and they confirmed. 

It was at that time they stated that our account number had changed in XXXX of XXXX and that is why the correct account was not being credited with our payment. They had accepted payment and credited the proper account from XXXX of XXXX to XXXX of XXXX without problem. It was only in XXXX they decided they couldn't apply our payment to the proper account. Nobody has been able to explain this discrepancy. 

I was promised a direct accounting of what the {$6100.00} was covering, and it has yet to be emailed or mailed to us. I was assured that this would not be reflected on our credit report but I have my doubts. Furthermore I feel that we have payed them in excess of what was owed. To this point communication from Mercedes Benz regarding resolving the situation has been absent.
Product: Credit card

Starting on XX/XX/XXXX, my Bank of America Visa Credit card was fraudulently used without my permission. The card was stolen and my account was changed from paper statements to electronic. I never did electronic statements, therefore I was unaware of the charges being made, till Bank of America called to say that payments were due, at which time they also told me of exorbitant charges being made on the card. I immediately denied the charges and asked for paper statements to be made available. Around XX/XX/XXXX I disputed the charges and asked for the card to be blocked, but the bank personnel whom I spoked to said to keep the card open to see if there will be any further activities. On receiving my statement of XX/XX/XXXX I noticed there were further charges that were made, so I blocked the card. Bank of America told me that they would take care of the fraud and there was nothing that I should worry about. Towards the middle of XX/XX/XXXX Bank of America wrote me a letter saying my dispute was being denied due to the card being swiped, pin being used and signature being used. I do not have a pin and the card was lost. Bank of America never asked for a police report. On my own investigation, I was able to determine the perpetrator and get a confession with promise to pay. Unfortunately all my attempts and patience were of no avail. I submitted a police report to Bank of America and I am in court trying to clear my name. I have over pain my dues by {$4600.00} as I continued to pay to protect my credit. The fraudulent charges total to {$13000.00} and total interest to date {$2800.00} bring the total to {$16000.00}. Once again I reiterate that I have not abused my banking privileges. Currently I am seeking legal assistance to settle this matter. Thank you.
Product: Debt collection

I am completely debt free. These calls are unwanted spam. It happens daily. Most often, they hang up right after I respond. I have called back and searched for the phone number on my browser to find the people responsible. I have blocked many numbers but still they call from another number. 
The perpetrators are : The Northstar Companies XXXX XXXX XXXX XXXX, NY XXXX p : XXXX / XXXX f : XXXX Im frustrated and tired of being harassed. This has to stop. Its unfathomable that in the year 2020, businesses are still permitted to operate this way. Shut these XXXX XXXX down.
Product: Debt collection

Received a call from NCS ( collection agency ) XXXX XXXX regarding a balance from XXXX XXXX from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now XXXX XXXX  wants to recoup the money and failure to pay would put me into XXXX XXXX. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I contacted XXXX XXXX  and was told they sold the account in XXXX after being told by XXXX to contact them. I will also be filing a XXXX  complaint as well!!! Acct # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Product: Debt collection

Have written National Credit System about the debt they are trying to collect I did not live in this apartment after the XX/XX/XXXX I am being charged for 6 days in XXXX for rent along with water, sewer, and trash, and pest control and 2 months of break lease fees totaling {$1300.00} The apartment was rented by someone else in XX/XX/XXXX. 
I sent a copy of where I had the lights turned off on XX/XX/XXXX I personally went in to the office and gave the assistant manager the keys to the apartment on the XX/XX/XXXX I received a letter stating that if I do not pay they have the option of garnish my wages, level my bank account, put a lien on my property and have reported me to the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX/ XXXX tion listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Product: Credit reporting or other personal consumer reports

The accuracy of the account is improper. The account is showing a late payment and past due balance and I am up to date on all of my payments and I have not been late.
Product: Checking or savings account

On XX/XX/XXXX of 2024 I received money into my bank account with Mercury via wire for my business. Shortly after Mercury locked my account. I was able to get them to unlock my account at first and now they have closed my bank account. Theyve stated they are retaining my funds and will not give me any explanation as to why. I have tried tirelessly to get answers but no will respond to me at all.
Product: Credit card

I submitted a complaint through CFPB on XX/XX/2024. However they rejected my claim, and lied in their response without a shred of proof. Why are they allowed to blatantly lie without any proof? 

I submitted 8 screenshots of proof of them lying and cheating. This is unacceptable. Why are these large companies allowed to get away with lying and cheating their customers? I will be pursuing legal action if this is not resolved. I have strong evidence and proof of their lying.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to National Data Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach.

In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Dispute of all accounts above : Accounts created due to breach, identity theft, and unauthorized access.

Metro 2 Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : XXXX ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts.

Implementation of a fraud alert and security freeze to prevent further fraudulent activity.

Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed some fraudulent accounts.please remove these accounts they are hurting my ability to obtain credit
Product: Checking or savings account

Unknown person/persons impersonating my identity. Deposit was made mid to late XXXX. Discover closed my account ending in XXXX due to overdrawn fees. Overdrawn fees were an action of Fraud and Ive been advised by XXXX to report a compromise of identity.