23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX. They call more than once a day, this time XXXX XXXX called, left a message on voicemail and recommended I get an attorney. XXXX XXXX phone number did not appear on my caller identification except as Unknown. Her phone call was recorded at XXXX XXXX. Sunday, XX/XX/2024 ; the second phone call and voicemail received at XXXX XXXX. Sunday, XX/XX/2024, from phone number ( XXXX ) XXXX for the call to be returned to ( XXXX ) XXXX. No name mentioned. 

Honestly, this account is on a payment plan and promise to pay, with the payment due just after the first of XX/XX/2024. 

I have threatened to sue, since they have treated me first. This is abuse, as I used to work in collections and skip tracing. The supervisor, XXXX, ( male ) asked me if I just threatened to XXXX XXXX, which I said no and I have a witness to that phone call. 

FTC, Im well aware that collectors are under the XXXX ( so to speak ) to get accounts paid and current. However, stepping over the line isnt legal. This account will be paid in a timely basis, but I am restricting all calls to only one per day, otherwise their number will be blocked and my voicemail turned off.
Product: Vehicle loan or lease

I have been under doctors care therefore the payments has been made after the XXXX of the month. But, the payments has always been made before the grace period. I understand that payment made after XXXX XXXX  is processed the next. My payments has been held for three and four days to process. Most payments are made at XXXX XXXX, an still takes the payments three and four days later. I have called the office without any resolve. Then the company place between XXXX XXXX to my account. 

I have called for a payment plan and reason for additional charges since XXXX. I also try to setup {$200.00} bi monthly auto pay to avoid the problems. This is in addition to my payments with resolve. I believe the government have came across evidence the dealership and maybe the financial company has employees that being paid to cause problems.

When additional purchasing the vehicle the salesman made remarks that my daughter or someone had approval rights. I have asked for clarification but refused. It amazing how the seat covers was supposed to be stain resistant but has stains. I have been making complaints about the trunk sensors and lock been off from the beginning of the loan. I've also been complaining about the emergency parking, driving stabilizer and the tbs monitors not working correctly. I also has had the gas gauge malfunction in the last 3 months. Lastly, I had to change my tire. I was told that the car contains wheels locks. I never received wheel lock keys and from my 14 plus visits at the dealership no one ever mentioned wheel locks.

I never received wheel locks. That's odd, the individual who purchased the care never received the wheel locks for the car. I spoke to the dealership, once again no return call. I have experienced lemon law, car malfunction problems without any help but the payments are still made. 


I also have federal cases involving private entities in XXXX. I believe the dealership and the company is entangled in this case to cover their back by charging fees and hold payments to access misdirect fees. The company knows the car tech and safety features had been malfunctioning. 

Lastly, I reply to a trade in request. The company had the salesman making an announcement that errors was made on the account. I have paid the note responsible. I was trying to get a safer car and ignore the misdirect fees, malfunctioning car, car repairs error just to start over. But, the company tried to make embarrassing statements.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 
Attached you will also find my ID as XXXX and my Proof of Address. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Debt collection

I received a debt collection letter in the mail on X/XX/17 from Central Credit Services/XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that XXXX XXXX XXXX purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.
Product: Credit card or prepaid card

My credit card company has a security policy in which I am to be notified immediately of any unusually large charges and/or of any instance where a charge is declined. Had they followed these policies I would not be in the situation I am in. 
I was in a position where I needed last minute flights home from XXXX. I attempted to buy tickets online but received an error notice before the transaction completed. I received no confirmation from the merchant or my credit card company so I was certain the transaction had failed. As an alternative, I purchased tickets for the same flight at an airport travel agency.. 
Shortly afterward, I received a call saying my credit card was declined and that my flight was full so would need to be rebooked on another airline. I approved, assuming it was an rep of the airport travel agency. 
It actually was the online merchant calling, so as a result I purchased a second set of flights I received no notification that my card had been declined OR that there were {$10000.00} in charges put on my card that day. In fact, when I called to clear the charge, there was only one {$5000.00} charge listed as pending. 
I have been disputing this for almost 2 years now. At one point a Chase customer service supervisor conceded that I should have been notified that the first charge was declined ( he said that there was no record of charges declined that day ) and of the large international charges. He said that my problem was that Chase paid the merchants before fully investigating. He also told me that there was a note that the case was closed because I had not provided enough information, but he could see that I had submitted all the necessary documents. 
Had they given me notification that I had 2- {$5000.00} charges that day or that the charge to the online merchant had been declined I would not have made this error. Either the online merchant committed fraud by lying about my card being declined or Chase failed to notify me of the issue. 
I understand this situation is very complicated, but had Chase followed their own security policies I would have been protected from his costly error.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account is reporting a late payment which is incorrect. I contacted each credit bureau 2 years ago and never received a response. This information is incorrect and there should not be a late payment on credit for my car that I have been making monthly payments on.

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these accounts. This is purely identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

selene fianace is the servicer of the loan. We applied for a loan modification and submitted the required docs before the deadline of XX/XX/2019 When we called to follow up they told us the file was denied since the sale date was less than 37 days away. When they gave us the deadline they knew when the sale date was XX/XX/2019. They told us docs were missing from me although I was not on the loan, and ask that I sent in the docs by XX/XX/2019 which I did..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got a letter in the mail saying my auto loan was denied by XXXX XXXX and it says here on the letter that the 3 credit reporting agencies are XXXX, XXXX and XXXX XXXX, I do not know who XXXX XXXX is I have NEVER heard of them! XXXX  and XXXX say my credit score is  XXXX a good score for an auto loan but XXXX XXXX has my XXXX XXXX at XXXX that's 112 points lower I do not know what they are reporting nor can I find out they will not let me have a copy of my report without sending them a hard copy of my SSC, drivers license, birth certificate and a bank statement to show my address I do not know these people but yet they are a Limited Liability Company, how did they get my information and how do they have the right to have my information and also request hard copies of delicate information that I have to MAIL to them! I will not mail them ANYTHING! they do not even give you the options to answer security questions online! When you try to call the number XXXX all you get is just an answering machine! This is flat out ridiculous! These people need to be stopped! They do not have the right to destroy someone's life like this! I have worked hard to build my credit to where it is and now these people just come along and destroy it! According to the automated system this company used to be call IDA Inc, I don't even know who they are either! HELP ME! Please contact my husband XXXX XXXX as he told me to file this complaint at XXXX
Product: Checking or savings account

I opened a new account on XXXX XXXX to bank of America in XXXX Arizona. On XXXX I deposited my first payroll check in the amount of XXXX via their mobile app. When the app said the check will be held until XXXX I thought it was as because they did n't have three physical check. I did n't know the procedures of the mobile app this was the first time I deposited any monies via an app. So I immediately took the physical check to the bank and put the money into the bank. When I saw that the check showed as a duplicate I called bank of America to inform them of the issue. I was told that there would n't be a problem. The system would show the error and correct it. I was told to wait until the XXXX of XXXX in order to have access to my funds. I expressed my dissatisfaction with the extreme wait times. On XXXX XXXX I received two emails from Bank of America stating my account was below {$25.00} then XXXX dollars shows up in my account that I did n't put there. The bank could not explain it me. It was not a deposit from an outside source at all. The very next day XXXX checked my account at XXXX via the mobile site and it was said that I was now over drawn by XXXX mind you I had not used my card since XXXX. By XXXX XXXX my account stated the drawn amount was {$23.00} dollars and some change. All the while my funds are still on hold. I then proceeded to do in to the local bank of America and was told it was just how business was conducted and I would have to wait the situation out. I called my employer to inquire is the check had been payed out. My employer shows the check was processed XXXX funds had already been sent. I made yet another call to bank of America who still refused to release my funds. And still could not explain how I was overdrawn by {$23.00}. When I told them I had email to prove that my balance was below XXXX in Thursday I was told that does not matter it would n't do me any good. My money is being stolen through bank of America I have made several phone calls and have made several appearance in the local branches with no help at all. I still have my emails I will be planning on going public with a lawsuit for misappropriation of funds due to the carelessness if this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal was included in my chapter XXXX bankruptcy filed XX/XX/2021. That included two credit cards, and the checking account that was negative. Navy federal never sent me any documentation confirming so. My membership is locked out. The original membership was created as identity theft. Yet eventually navy federal gave me access to be able to access the login. Now the login is disabled. The identity theft caused the bankruptcy to begin with after battling with this for over 8 years. I want to be able to reestablish membership with navy federal. What would be required to do so?
Product: Credit reporting or other personal consumer reports

This is a violation of my consumer rights, please delete immediately reporting this account when it was sold to another lender
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account Opened Date on my credit report should be XX/XX/XXXX but they have it as XX/XX/XXXX which makes it seem like a newer account than it really is. They have sent me a debt collection letter where they themselves stated the date opened but will not fix it in my credit report. I have reached out to XXXX, XXXX, and XXXX, but my disputes did not get resolved and Date Opened remained as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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: Mortgage

This will be my third complaint to this company and nothing has being resolve, Complaint # XXXX, XXXX. XXXX XXXX keeps sending letters to close the complaint with CFPB but nothing has been resolved. My mortgage principal balance has gotten worse and incorrect. My XX/XX/XXXX outstanding balance was {$620000.00} before forbearance program. My payment deferral agreement said that my bearing principal balance shall be {$610000.00} before XX/XX/XXXX, per XXXX  XXXX and the agreement {$11.00}, XXXX would be added to my escrow account but to date XXXX {$0.00} added to escrow. Since XX/XX/XXXX I have made additional payments estimate total {$33000.00}, 11 payments or so that should have drop my principal balance outstanding even more. Since XXXX  was added to my escrow account, my principal balance should be an estimate {$600000.00} with additional balance ( Payment Deferral Agreement ) {$18000.00}. I have spoke to XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I was gong to resolution in 72 hours but nothing. Email and call XXXX XXXX zero call back or email. This agency needs to research this company. I am being robbed of my hard earned money.