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

I called into Carmax Auto Finance in XX/XX/2020, to notify them that I was still being impacted financially by the loss of employment/income in relation to the Covid-19 pandemic. I had already missed my XXXX car payment and was looking for options. 

My only source of income was unemployment which was {$800.00} a month before tax deductions. 

My car payment was half of that plus some and it was simply not practical to keep my vehicle knowing that the car payment was eating up the only flow of funds coming into the household. Clearly I had rent, heating costs, food, toiletries, phone bill, and a list of other bills like every other American whose been financially impacted.

I was scared, stressed and holding faith that a job would come through ASAP or a miracle loan from someone.Thats all I could do was hope and believe in a miracle. 

I had asked if I could pay interest only and defer my principal payment portion. I was told no. 

I asked you f I could defer payments all together and I was told no because I had one already this year. Carmax allowed 1 a year it seems. 

I understand that policy under normal circumstances. 
Not under a national pandemic with uncertainty, fear & stress of everyone that has a car loan ; whose been financially impacted are unable to pay their car payment. 

How long can this go on!? Eventually you will have to give back your vehicle ( which creates another disruption in relation to getting a new job and the transportation necessary to get to & from a job ). 

Carmax couldnt do a thing for me. 

I was upfront and honest with them. I asked for help, support, options, and I was not once supported, given any options nor was my situation as a consumer, US tax paying citizen and customer of Carmax ; taken seriously. Not a single suggestions, considerations to my requests or willingness to work with me. 

I was told to try and make whatever payments I could and reminded that they do report to the credit bureau after 30 days late payment or no payment received. 

I couldnt believe this. 

After everything, Im reminded that they will report me to the credit bureau as a delinquent payment status. So now Im looking at that ripple affect on my credit. 

I dont want to get farther behind nor have a repossession on my credit. 

Ive decided I must sell my car of 4 years to a dealer that will offer me the loan amount. XXXX pay off the car loan and not have a vehicle anymore. Thats the best I can do. 

Plus to add more stress, they call daily as if they dont know whats going on. 

Im not just choosing to not make a car payment when I can afford to .... sheesh. Im not making a car payment because I can not afford to. 

Ive called and my situation has been explained and recorded by them. 
So why still call and bully me. Its a cruel tactic knowing my situation. 

I no longer want to do business with anything be whose manner of business justifies no humanity, kindness and grace towards their customers during a traumatic national crisis. 
well. 

Something needs to be done. 

Thank you. 

Appreciatively XXXX
Product: Student loan

Lack of transparency and inaccurate loan details from my student loan servicer Edfinancial. 

Since Federal student loan interests resumed on XX/XX/XXXX, I've been making a monthly payment starting in XX/XX/XXXX, above the minimum payment of roughly {$100.00}. Yet, as of XX/XX/XXXX, I was suddenly put on delinquency, and asked to pay {$400.00} as a late payment. This is very incoherent with the monthly statements, and that amount came out of nowhere, making no sense. Also, in my account history, most of my monthly payments are shown as being contributed 100 % to the interest, which shouldn't be the case since I'm making a monthly payment above the monthly minimum. In fact, the servicer called me on XX/XX/XXXX, and said the reason was that I'm paying for the interest that was accumulated since the beginning of the forbearance. But that is false since interests were mandated by the government to be paused until XX/XX/XXXX. 

I ask for more transparency in my loan details, and for them to be fixed correctly. 
I am inquiring about : - the delinquency status that I was put in and why I'm suddenly asked to owe {$400.00} as a late payment- where the {$790.00} payments that I made since XX/XX/XXXX went to? 
- why most of my monthly payments were contributed 100 % to the interest when Im making a monthly payment above the minimum?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from Equifax, XXXX, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then these accounts have repeatedly been reported as Charge Off every month. This is an update of the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. One two occasions youve failed to investigate these accounts thoroughly & your gross neglect has violated my rights. Im demanding deletions of the accounts listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Revovery keep insisting I owe this debt, I never borrowed nothing from them and dont how they have all my info and they harassed me all day send me letters and call multiple call daily. I am tired I try to show them I dont owed them any money
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Product: Credit reporting

I previously submitted a dispute regarding XXXX which they added collections accounts to my credit report. It was established the XXXX was the legal owner of the accounts and that a dispute was filed with XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX. XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX to XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX physicians is handled through XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX. XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
Product: Checking or savings account

I tried opening an account with XXXX, went to the branch with passport and other forms of identification. Was denied an account due to " suspicious activity '' on a Bank of America account, even though I've never opened an account with them. When looking into it, they told me that someone tried opening an account and depositing a fraudulent check. after reviewing the information that was used, everything was correct, except that they used a phone number and address that was not mine.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the unlawful furnishing of a fraudulent collection account on my Experian credit report by XXXX XXXX. This unjust reporting has persisted for approximately XXXX years, and I believe it is crucial to address this issue promptly. 

The account in question is as follows : Account Number : XXXX Date Opened : XX/XX/2019 I am formally requesting that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action against XXXX XXXX for their unlawful and fraudulent practices. Several key issues highlight the severity of this situation : Lack of Licensure in the State of Florida : XXXX XXXX is not licensed to collect debts or furnish information to credit bureaus in the state of Florida. This violates Florida state laws and regulations governing debt collection agencies. 

Violation of the XXXX XXXX : XXXX XXXX XXXX operations are in direct contravention of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This system clearly defines the states in which collection companies are authorized to collect debts. The inclusion of Florida is conspicuously absent from their authorized states. 

Given these violations and the absence of appropriate licensure, it is evident that XXXX XXXX 's collection activities and reporting on my credit report are in direct violation of Florida state laws and the XXXX framework. 

In light of these circumstances, I formally request the following actions to be taken : Immediate Removal/Deletion : I request that the fraudulent account, Account Number XXXX, which has been reported to Experian, be removed or deleted from my credit report without delay. 

Investigation and Enforcement : I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX unlawful debt collection and reporting practices in Florida and take appropriate enforcement action against them to prevent further harm to consumers. 

Prevent Future Violations : I request that the CFPB takes measures to ensure that XXXX XXXX and similar entities adhere to state and federal laws governing debt collection practices, preventing future violations. 

I have attached copies of relevant documents that support my claims, including proof of XXXX XXXX 's lack of licensure in the state of Florida and their exclusion from the XXXX framework for debt collection. 

I am grateful for your attention to this matter and your dedication to protecting consumers from unlawful debt collection practices. I look forward to a prompt resolution of this issue and the removal of the fraudulent account from my credit report. 

Please do not hesitate to reach out to me if you require any further information or documentation to assist in your investigation.
Product: Checking or savings account

I was to participate in a research study conducted by XXXX XXXX. Prior to the research study I had to take a XXXX XXXX XXXX, health history questionnaire, and a XXXX XXXXXXXX to be screened for eligibility. I passed all requirements and asked XXXX XXXX and XXXX XXXX if i was eligible and was told I was. I was informed I would be scheduled for follow up appointments to start the study. My current insurance coverage did not cover the XXXX XXXX so i paid out of pocket on XX/XX/2019 in the amount of {$470.00}. 
I reached out to XXXX XXXX with my schedule to be scheduled and never received a callback/email from him or XXXX XXXX 's office. I would like a resolution to this and a refund because I was not provided services promised. When trying to dispute the transaction with Bank of America they replied that they would not be able to refund the money and would have to escalate the matter.
Product: Mortgage

Tied to CFPB complaint # XXXX that has since been closed on XXXX because mortgage provider Mr. Cooper provided a resolution response. In that response, they report the loan assumption/closing for a XXXXXXXX XXXX   that occurred on XXXX was finalized as of XXXX. This is not a correct statement. I obtained a new XXXX XXXX XXXX XXXXy processed XXXX, and it shows I/seller have no eligibility remaining as XXXX  records still show I am the homeowner of the previously sold XXXXXXXX XXXX. If this closing/loan assumption was complete, the buyer 's eligibility would have been substituted in for mine, thus returning my eligibility. I called the XXXX  to inquire if any documents had been received from Mr. Cooper and perhaps were simply still " in process '' to return my eligibility, but they reported no such documentation received to show sale of house/loan assumption complete/substitution of eligibility. Mr. Cooper is preventing me from using my XXXX  home loan guarantee to purchase another home. I have uploaded the certificate of eligibility as evidence that Mr. Cooper still has actions due to truly finalize this transaction. XXXX XXXXXXXX XXXX, APPLICATION FOR ASSUMPTION APPROVAL AND/OR RELEASE FROM PERSONAL LIABILITY TO THE GOVERNMENT ON A HOME LOAN was completed by the seller and submitted to Mr. Cooper ( via email XXXX XXXX ) on Sunday XXXX as one of the many required documents to complete to start this loan assumption process, and as part of a package sent to seller and buyer by Mr. Cooper. Additionally, this email included XXXX XXXXXXXX XXXX STATEMENT OF PURCHASER OR OWNER ASSUMING SELLER 'S LOAN, completed by the buyer, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), also completed by the buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For EQUIFAX to be oldest CREDIT reporting agency ... .they seem to be the WORST and are constantly breaking the FCRA laws and not adhering to what the laws state! I am a victim of IDENTITY THEFT and XXXX XXXX acct # XXXX ... .has been proven to be a FRAUDULENT account yet EQUIFAX continues to report it but the other 2 bureaus are NOT reporting it because it is FRAUD. I am attaching the FTC fraud affidavit that has been submitted in 2019 ... ... the second account listed on the report is XXXX XXXX!!!!! EQUIFAX has failed to report any of the proper accounts that do belong to me ... ..but has continued to report this BS fraudulent account that has kept my credit score in the DUMPS ... ..my other 2 scores are around XXXX and EQUIFAX is super XXXX LOW because of it!! Equifax STOP BREAKING THE LAW AND REMOVE THIS ACCOUNT!!
Product: Debt collection

XXXX XXXX  XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Payday loan, title loan, or personal loan

I tried to call but no one answered. So send emails. They did not respond the the first to times. I did not read the fine print closely on this loan. I though this was for 10 months. I did not know this loan was for a whole year at $ XXXX. It was thrown my finances into disarray. I am XXXX XXXX XXXX XXXX  woman. For {$500.00}, I am to pay them over {$2000.00}. 


Date Amount XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} Total Fees {$0.00} I have sent Spotloan a letter to revoking them drafting money out of my banking account. I have paid the {$62.00} to stop payments ( XX/XX/XXXX and XXXX ). So I could resolve this issue but there payments are still going through. I have never had this problem before. I can not change bank accounts because of this. 
I do not know anything else to do. 
Please help me.
Product: Debt collection

They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.