23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my second complaint against Credit resolutions LLC. regarding the same acct. In my previous complaint they responded that it was resolved. This was intentionally misleading. They have continued to try to collect on the same bill that was shown to be illegitimate. My insurance company has proved that the claim was never submitted and the acct. was sent to collections. By the time the provider submitted the correct claim it was outside the 6 month timely filing clause my insurance provider has. Per XXXX 's contract with this provider I am not liable for any costs. This collections agency irresponsible behavior has now caused me to be denied a mortage loan pre-approval.
Product: Mortgage

Hello. 
Our mortgage was issues XXXX. The original purchase price was XXXX. XXXX our remaining balance was XXXX, which is 79 %. I submitted an application to remove PMI, because our LTV ratio based on the ORIGINAL purchase price was less than 80 %. The mortgage company is insisting we provide a list of significant upgrades, whoever this should not be necessary because of our LTV ratio. I have tried to explain this to them over email and phone multiple times but the people that handle the request do not have a phone number so the people I call can not help me. I have learned that our mortgage is backed by XXXX XXXX and through phone conversations they have told me that the XXXX XXXX servicing system does not render a property value ( which I dont understand but it seems to be the issue ) I have a right to verify that the current value is at least equal to the original value by a restricted appraisal or a BPO but the mortgage company need to order this appraisal or BPO and they are not willing to do this.
Product: Vehicle loan or lease

On XX/XX/year> I went on to Credit Karma 's website to see if there we any options available to lower my monthly credit card bills and/or car loan. I went to the auto refinancing page and completed the requested car profile, credit profile, and entered my annual income. After this, I was presented with multiple offer for refinancing my vehicle. I determined that the loan for autopay was the best option for me and pressed the take offer button thinking I had already been pre-approved for this loan due to the information I had already submitted. The offer was for around a % XXXX  monthly payment and between 5 and 6 percent interest rate. I proceeded with filing out autopay 's requested information and consented to a hard credit check thinking that I had already been preapproved. After submitting multiple different documents, I was told that my application had been approved and a loan officer would be in contact with me. I then gave more information to the loan officer and was then and only then told that the age of my car might be an issue. I was very confused by this concering the age of my vehicle considering I had already given all of my vehicles information and agreed to continue with the application because they had already been provided with this information from Credit Karma before running a hard credit check. Shortly after the conversation with the loan officer, I received an email saying that " Were sorry to hear you have chosen not to follow through with your loan application. This is untrue. I never told anyone that I was not going to follow through with the loan application. Had it been made clear to me that the offer presented was never a true option because of my cars age/mileage, I never would have consented to a hard credit check which further hurt my credit. I have also had the same issue in the past with credit karma 's debt consolidation loans with unrealistic loan offers that also hurt my credit. I am working hard to improve my credit and find a way out of the credit card hole that so many find themselves in. It is unfair for companies like Credit Karma and Autopay can continue hurt consumers who are already struggling.
Product: Checking or savings account

On XX/XX/XXXX I took out a ten month CD at a rate of 4.77 % that matured on XX/XX/XXXX. 

Today on XX/XX/XXXX, 13 days later ( 9 business days later ) they informed me that I was beyond the 10 day grace period and I had been rolled over into a new CD. 

THE NEW CD IS THE PROBLEM. The new CD is for 364 days at a rate of 0.15 % per year with a 1 % penalty on monies withdrawn before a year is up. This CD is an unethical financial product. It is not something anyone would willingly purchase, it exists only to provide Bank of Albuquerque with a vehicle to XXXX inattentive customers. 

I am sure Bank of Albuquerque is within the letter of the law, but they need to take an ethics class. They have surely lost me as a customer. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.
Product: Vehicle loan or lease

Yamaha Motor Finance is my servicing finance corporation for a vehicle loan. The dollar amount is approximately {$150.00} and there is reporting to crediting agencies that was inaccurate and based on failures of Yamaha Motor Finance staff, processes, and XXXX XXXX. 
On XX/XX/2020 I was contacted by Yamaha Motor Finance and was notified that my payment had not been made and that it was due on XX/XX/2020. I provided accurate information to the technician and made a payment over the phone. On XX/XX/2020 I was contacted and told that the payment failed due to insufficient funds, that there were now additional fines, and that this had been reported to the credit rating agencies. I was shocked. I had already made good faith attempts to make payments and due to Yamaha Motor Finances ineptitudes, I am now being punished in long term ways. I believe Yamaha Motor Finance is purposefully negligent in its processes, procedures, operation, and XXXX XXXX systems to ensure collection of fees from the consumers they prey upon.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Experian Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/year> ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX & XXXX Account NUmber : XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX Account NUmber XXXX XXXX Account Name : XXXX Account NUmber : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account NUmber : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

On XX/XX/year> I purchased a computer from Best Buy and was told I would receive a 5 % discount if I opened a Citibank/Best Buy card and that I did not have to utilize the card that day. I picked up the computer on XX/XX/XXXX. and was given a bill for {$300.00} and I questioned the amount ( correct charge is {$710.00} ). I used XXXX Bank XXXX XXXX card to pay the {$310.00} ( taxes ). That is when the problems started ... .as Best Buy charged ( not me ) the {$710.00} to the credit card. I filed a complaint with the Consumer Protection State of Maryland. Best Buy has admitted that I have paid the account the {$710.00} XXXX XXXX XXXX XXXXXXXX Credit Card and Checking account ) and that they are not due any additional funds. Citibank/Best Buy refuses to remove the {$300.00} charge and now the account, with past due charges and interest is {$400.00}. I have repeatedly called Citibank ( over XXXX times ) and they will not remove the charges. I never authorized the charge and do not owe any further amounts. In addition, my credit score has taken a major impact from XXXX to XXXX!!! Also, due to date I have not received a credit card from Best Buy and/or Citibank and do not wish to have a card!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 delete the item from the 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 reseller. 

XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX 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 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 returned a large purchase on my Chase XXXX XXXX XXXX VISA on XX/XX/XXXX. This resulted in a credit balance of XXXX. I called on XX/XX/2022 at XXXXXXXX XXXX  EST to discuss my balance being refunded to me. I was told an electronic refund was quickest. I would receive an email in the next 23-72 hours to process this request. 
On Monday, XX/XX/2022 at XXXXXXXX XXXX EST, I called again because I had not received the email. After 12 minutes the agent returned saying that because I had made charges the new amount would be credited. I would receive an email within 24 hours and once I responded to the request for information, it would be credited to my account within 3 business days. I have yet to receive the email. I called Chase XXXX XXXX XXXX customer service on XX/XX/2022 and was told it was processed and there is nothing further they can do. I would have to wait for it in the mail. Which means they have been using my money interest free for over 15 days.
Product: Credit reporting or other personal consumer reports

Dear CAPITAL ONE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( XXXX ) XXXX  - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Debt collection

Republic Finance- terrible collection practices after being served XXXX called work ph, I asked them NOT to call me at work XXXX called work, again asked them NOT to call- threatened garnishment I returned call at lunch from my cell and set up a payment arrangement for XX/XX/2022 XXXX served with legal paperwork stating my debt had been turned over to collections XXXX called work I hung up on them XXXX called work again left message with co-worker ( regarding my delinquent debt ) XXXX Left voicemail stating " PAY UP '' XXXX called work I asked if they had my cell phone they said yes, but, didn't care they would continue to call my work. 
XXXX called work stating I had missed my payment and I could avoid garnishment by paying. I informed them I had been served and asked if I made a payment with them how would it affect the court proceedings. I was told " you won't be garnished so just pay ''. I informed her that I was under the impression once I was served I needed to deal directly with the collection law firm. She stated " I don't know XXXX and they will enjoy garnishing me ''. 
XXXX Called work I again asked them NOT to call me at work XXXX called work again, I again asked if they had my cell number, she stated she had both and was attempting to collect a debt and would call whatever number she wanted. 
XXXX Contacted debt collection atty and was advised NOT to make a payment to them directly and that they should NOT be calling my work after I had repeatedly asked them NOT to. They would contact corporate and see if they could get the ph calls to stop. They are aware I have signed a voluntary payment arrangement.
Product: Credit reporting or other personal consumer reports

XXXX founded and advised that my XXXX XXXX number was found on the XXXX web. XXXX has been placed with XXXX, XXXX and transunion. Attempted to dispute invalid items after gaining access to credit report. These items and inquires have not been verified or removed from reporting under the Fair Credit Reporting Act. Please offer insight.
Product: Credit card

My credit card showed a fraudulent charge of {$1800.00} charged by a merchant I have never given business to. My credit card company has failed to address this despite repeated requests by me to have it reviewed and taken care of. They continue to have it on my balance and charge me interest. They took off and put it back on my card six times in the last six months, each time I think it is finally dealt with, then they put it back on my card. I have contacted the CEO 's office to get it dealt with and they still have not resolved it. 
I have never bought anything from XXXX and the {$1800.00} charge that keeps getting put back on my credit card by USAA is NOT MY CHARGE and I should not have it on my card or be forced to pay for it. I have had to pay the interest on it for months and months now while they still do not resolve the issue. 

USAA has provided absolutely horrible and probably illegal service on this issue and they still have not done anything to successfully resolve it. IT IS NOT MY CHARGE AND I WENT THROUGH ALL THE STEPS TO GET THEM TO DEAL WITH THIS AND THEY STILL HAVE NOT - IT HAS BEEN SIX MONTHS OF ME TRYING TO GET THIS RESOLVED! 

I am ready to hire a lawyer and do not know what else to do.
Product: Credit reporting or other personal consumer reports

BankAmerica, in their client portal, suggested a credit card for rewards ; I applied on XX/XX/XXXXXXXX XXXX XXXX and they ran my credit with XXXX twice, again on XX/XX/XXXXXXXX XXXX XXXX  Then they mailed me and wanted personal documentation ; which is fine ; I sent them the required paperwork. I have several accounts with them. The issue is I authorized them to run my credit only once and not twice. I want them to remove this inquiry from my XXXX.
Product: Credit reporting or other personal consumer reports

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer report.
Product: Vehicle loan or lease

I started a loan with Mercedes Benz in may of XXXX for a XXXX XXXX XXXX for about {$38000.00} XXXX of XXXX my truck was stolen & never recovered so my insurance company said it was total lost I only owed {$6000.00} on the vehicle XXXX paid Mercedes by sending them a check they kept saying they never received the check so XXXX sent it to Mercedes again now they start to say they received the check but the account number wasnt on it but they clearly knew the check was for me due to my insurance company also the amount. XXXX sent them another check with the account number overnight I was told they received it. But they never stop calling me and harassing and sending me letters saying I owe them money. They did not pay attention or read the notes that the truck been paid off almost 3 months ago they were contacting me about the old checks that had been canceled because they were saying they never received it. I never been late or missed a payment not one time and this had caused issues with my credit report also it has been very stressful and I feel harassed I already lost my vehicle than they put more stress on me I had gap insurance also and they never paid me the money that I was supposed to be issued back
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  CAXXXXD Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.