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

I leased a car from AutoTrakk XXXX and the car was totaled XXXX. I had around XXXX left to pay on the car with an option to buy at the end of my lease for about XXXX. My car was totaled on XX/XX/XXXX. My insurance company called me and advised that my car value was XXXX in which my insurance company wrote a check for. My insurance company gave me information on how leasing companies work with total loss and advised that they would send the check to the leasing company and the leasing company in turd would send me any remaining monies. Before my insurance company sent the check I called Autotrakk to verify exactly how much I owed and the amount I'll be getting back. I advised the person ( XXXX ) I spoke to at Auto Trakks that if I'm not getting any money back I would have my insurance company hold the check and get me lawyer to make sure everything is legit and possibly come to a certain settlement. The person I spoke to assured me that I would indeed be getting close to XXXX back, this was after I advised of getting a lawyer. The person stated that they will have the check sent over night. The person actually went though all the lines and details of my contract and stated that he was very knowledgeable as he's been with the company for some time. Once I was sure that I would get the leftover monies back I then called my insurance company and advised ok to release check. I called AutoTrakks on several occasions after waiting the 7 days for the check to clear. Once the check cleared I was told that I wouldn't get anything because my car did not belong to me, I explained to the person I was speaking to the recorded conversation between XXXX and XXXX I asked to speak with upper management and I was belittled and handled rudely. I was told that the reason I used their company was due to my bad credit and why should I benefit from a car that belong to them. I did further research and I see that this company prey on the poor and minorities. I didn't get my right to speak with a lawyer, due to I was mislead after the person knew I wouldn't allow my insurance company to release the check if I wasn't going to get anything back. The company is claiming it was a mistake but if the call is listened to by someone other than the company it would be understood how I was mislead. The loans are predatory and the treatment of the customers by the employees there are hurtful. Also, I was told that I should of already paid the car off but due to Covid and the pandemic I was out of work and when I came back to work our hours were reduced very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to XXXX XXXX, equifax and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Product: Payday loan, title loan, or personal loan

They CRG ( Compass Recovery Group ) referred them as a lawyer not collection agency. I have not received notice of due charges. It has been 3 1/2 years and out of the blue a phone call was made claiming I owed XXXX XXXX {$3400.00}. They said I had made all previous payment on time and they did not understand why this problem occurred. They XXXX ( XXXX XXXX ) closed the account and sold it to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) who are not debt collectors. XXXX XXXX XXXX hire debt collectors to handle the case. Now I receive calls pressing to pay this item ( {$3400.00} ) and wanting me to pay and have the matter closed. I have payoff many accounts when illnesses where detected, but never received a letter from XXXX or they would have been paid off long ago. Also is legal for them to try work this out with my wife and I was not a party of. 
I am a XXXX year old XXXX XXXX vet suffering from XXXX XXXX, XXXX, XXXX XXXX which required XXXX to XXXX, and XXXX XXXX XXXX. This is very stressful which leads to any therapy to not work as well as it should. I feel this a deceptive means of handling this matter. I request a message regarding these matters be sent through US Mail to : XXXX XXXX XXXX. XXXX, PA XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I decided, after a few months of debate to cancel my American Express XXXX XXXX card. The {$650.00} fee seemed too high and the benefits had changed so I called and got an automated line and went through the steps to cancel the card and stop all recurring charges immediately, but when it said " you may or may not get any annual fee back '' I thought I should check with an agent before I finished. So on the SAME PHONE CALL I asked to be forwarded to a live agent. When the agent said I wouldn't get any of the annual fee back because it had been longer than XXXX  days I said I'd just keep the card till next XXXX. She said it had already been canceled and couldn't be undone -- this was on the same phone call. I complained that the warning about not getting the fee back wasn't until after I'd completed the other steps she said I'd gotten a letter XXXX months earlier where that was stated. I had read about the fee increase and benefit changes but didn't remember the fine print about the annual fee because I was undecided about cancelling it at that time. I've never known a credit card company to keep all of the annual fee after such a short time. The agent suggested I speak to another department to reinstate the card -- they said they couldn't, it was irreversible. I wrote a letter of complaint to customer service that same day XX/XX/XXXX. A week later I received a letter saying American Express was reviewing my " dispute ''. Around XX/XX/XXXX I spoke to an agent at the number in the letter and he told me American Express XXXX going to reinstate my card but it would take XXXX business days. I was out of the country until XX/XX/XXXX the but kept checking my account and saw recurring charges posting like all was normal, but my online account still said " closed '' I called as soon as I got home and an agent said yes there was a ticket about reinstating the account, but the account was still closed. When I pointed out there were multiple recurring charges on the account that were being accepted-even though I'd chosen on the automated line to stop all charges immediately -- he said that shouldn't be happening and I might have to put a " hard close '' on the account. I said I wanted the account reinstated or some of my money back he said only a supervisor could do that. He called back leaving a message that the closing was irreversible, and my annual fee couldn't be partially refunded because I was warned in writing months before. The automated system is irreversible when they want it to be, but not when I asked for it to be reversed. The warning about losing the entire {$650.00} annual fee should have been the first thing on the recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the XXXX loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to XXXX XXXX specifically, the XXXX/XXXX/XXXX dated ) of the XXXX loans vs. being distributed across all XXXX to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied theXX/XX/XXXX payment to the appropriate loans. InXX/XX/XXXX, I observed that my credit score had taken a hit due to a > XXXX day overdue balance on a XXXX loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXXpayment had caused theXX/XX/XXXX loan to look like it was in default. I opened a dispute with TransUnion, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment betweenXX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.
Product: Debt collection

I received a letter XX/XX/2020 from CALVARY SPV 1, LLC XXXX XXXX XXXX. 
The letter stated that unless I contacted the office XXXX and XXXX XXXX. within 30 days of receiving notice that I dispute the validity of this debt or any portion thereof, this office will assume debt is valid. If i notify this office in writing within 30 days after receiving the notice that i dispute the validity of this debt or any portion of it, the office will obtain verification of debt or copy if a judgement and mail copy or verification. This tactic is a deceptive way for CALVARY SPV 1 to restart the debt collection clock. I notified them I disputed the debts validity and asked for proof. I received a letter dated XX/XX/2020 that XXXX and XXXX XXXX. had received and reviewed my letter and now advising you of denial of inaccuracy regarding my account. They included documents that do not establish how debt was assumed or specific to me. I disagree with the accuracy of the information associated with my name. The letter threatens I have been put on notice in big bold letter. CALVALRY takes advantage of unsophisticated person not knowing Consumer Standard. The documents do not support a factual bases for collection of debt. The documents provided are vague and misleading with inaccurate information. There is a failure to make a connection on how the debt can be valid and associated with me. I was not given any information about steps to take if information provided was incorrect. CALVALRY seeks to provide abusive collection tactics threatening YOU ARE PUT ON NOTICE. The claims made my CALVALRY are unfounded and documentation provided does not establish the dent in question to be mine. The letter does not establish a follow up of communication once documents are reviewed. This letter gives me a impression that a lawsuit is going to be issued or they be suing me. They are misleading clients and violate FDCP debt collection laws.
Product: Mortgage

I refinanced my home mortgage loan with Quicken Loans back in XX/XX/2018. In XXXX I received a letter stating that my Escrow account was $ XXXX dollars short. Part of why it happened is they received notice from XXXX XXXX that I might be switching to a home insurance policy that costed approximately {$150.00} more than what I was paying at the time I took out the loan. I called Quicken to say that I was not changing my insurance and to question why there would be a shortage when my old home insurance did in fact go up $ XXXX, but the tax payment was exactly what was stated at the time the loan was taken out. It seemed and seems to me that they didn't give me an accurate account of what my monthly payment would/should be. The Quicken person said that they'd be reevaluating my escrow account and would send me a report- this said I owed them {$430.00} and my monthly payments would go up about {$40.00} a month. It seems like there was a misrepresentation of what I would have to pay since nothing has changed significantly since the time I took out the loan in XXXX. They either miscalculated or this is something they pull to further entice people.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX XXXX  {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out dispute requesting method of verification for charged off account in the amount XXXX. As of today I still have not received anything. Ive been dealing with this dispute almost a year now and still have not received anything to validate or verify this account nor the proper steps or documentation they took to validate or verify the account prior to placing this on my report and to constantly allow it to be reported to my report as stated under 15 U.S.C 1681i Method of Verification was Not supplied!!! I recently sent out another dispute on XX/XX/2023 demanding them to comply. This matter is negatively impacting my life in many ways including my emotional state and time I constantly have to take out to dispute this and receive no help in this matter is very disturbing.
Product: Credit reporting or other personal consumer reports

I had identity theft and security breach and several accounts on my credit report do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX opened XX/2009 Account is in open account in good standing balance is incorrect and account is not in collection. Account is current and their is no past due balance. Account is being handled by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX HAS REINSTATED THIS inaccurate item on my report that has a high credit limit of {$7500.00} this information is in violation of the FCRA and is not 100 % fair or accurate I am requesting the original instrument of indebtedness and demanding that this item be removed from my credit report immediately if this request cant be met. 


Creditor : American First Finance
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been unable to get my Equifax credit report from XXXX After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.
Product: Mortgage

I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX ) this is a credit card company that I never applied to and they explain to me they do not have an account showing in my name. 

XXXX XXXX XXXX XXXX XXXX this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXXXXXX XXXX XXXX  ) this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) this is also showing on my credit report and I did not give this company permission to run a credit report on me of any kind and do not have an account with this company
Product: Credit card or prepaid card

In XX/XX/XXXX, my cardholder spouse was laid off. He had also become XXXX XXXX could not be employed during the XXXX XXXX claim process. I requested the forms to file for a benefit at that time, eventually received them, filled them out, and sent them in. I was then given a great deal of run-around regarding documents of proof, which I provided, but apparently, they were not adequate, and then communication stopped. Meanwhile, I have been paying into this coverage for at least a decade or more, and have no late payments. I have not even used the card in several years, and while I have been making payments on time each month, despite the struggle to do so, my balance continues to grow, because I can't afford to pay more than the minimum due. 

I was laid off in XXXX of XXXX due to the pandemic. The business was sold, and I was not hired back. I collected unemployment while I could, but that ended several months ago, and I am no longer qualified for that benefit. I have been applying for jobs and interviewing over the past year, but no luck so far, and it is becoming more and more difficult to pay. I called and requested a form again, and never received it, and once again months ago, and never received it. This is beyond the XXXX weeks I was told it would take. I am beginning to feel I have been scammed. I am going to have to stop paying regardless of whether the coverage I have been paying for ever actually approves a benefit claim. 

What's more, with the number of years I have been paying, I had to have exceeded the original full balance due by now ( XXXX interest and whatever other fees are being applied. ) I would like Care Credit to accept that as payment in full, and then they ( Synchrony/Care Credit ) can collect from my account security coverage that I haven't been able to use. It should have been paid in full by now because it's been XXXX years since the hardship began, and I attempted to file initially. This is exhausting on top of the other hardships I am having. 

It's unethical to basically rob/scam me ( and many other customers as I am now aware ) because I needed dental care and I had to euthanize very ill/elderly pets over the years that I actually used this account.
Product: Credit reporting or other personal consumer reports

My credit report and score from all three bureaus are incorrect. With XXXX leading from the XXXX bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX XXXX  XXXX. 
XXXX reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send XXXX different off cycle reports ( XXXX and XXXX of XXXX ) to XXXX stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
XXXX uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses 19 % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, thank you.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX # XXXX  XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX