23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/2022 in the amount of {$330.00}, has violated my rights. 

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 inaccuracy.
Product: Debt collection

I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from XXXX XXXX XXXX XXXX around XXXX XXXX 2020. He told me his company had one of my debts for Tempoe LLC for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ 50/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} XXXX  XX/XX/2022 {$4000.00} XXXX  XX/XX/2022 {$3200.00} XXXX  XX/XX/2022 {$6400.00} XXXX XXXX XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I have received a debt on my credit from a company Lewis Mcd/XXXX XXXX XXXX that I have no knowledge of. The dates are out of a range to my knowledge and the amount owed is not an amount I have ever seen. I have never heard of this company before it showed up on my credit report and it is not being removed from my credit history. I have researched this company and they are known for creating fraudulent accounts and I would like it removed immediately.
Product: Mortgage

Hi, we are in the worst Catch-22 that I have ever heard of. My wife and I bought our home in XXXX in XXXX XXXX financing our purchase with a mortgage from XXXX Mortgage. Early in XXXX, the mortgage rates had come down so we re-financed with XXXX XXXX XXXX. All was fine and in XXXX we paid off our mortgage. Hooray! We retired two years ago and we are relocating to XXXX. We are selling our home in XXXX and have movers coming on Tuesday XXXX XXXX, the same day as our closing. Our buyers ' title search discovered a lien from XXXX Mortgage, saying that we owe them {$250000.00} from XXXX! It is hard to figure whether it was XXXX ( bought by Chase in XXXX ) who were negligent for not releasing the lien, or if it was XXXX XXXX XXXX 's fault, but both institutions do n't have records going that far back and neither can provide a solution to this nightmare. ( Chase says they must have a XXXX XXXX document from XXXX XXXX XXXX and XXXX XXXX XXXX says they do n't have it and can not create XXXX. ) So we can not sell our house until Chase discharges the mortgage but XXXX can not provide the document that Chase says they must have. It breaks my heart that our buyers might be left out in the cold on XXXX XXXX, but if the money can not be released to us ( the lawyers will withhold {$370000.00} until the discharge of mortgage is filed ), then we ca n't turn over possession of our home. It may take months or years before Chase creates and files a mortgage discharge document ... .no one knows how long it might take. We have the deed. We have spent hours and hours on the phone as well as several hours in our local XXXX XXXX XXXX and Chase branches. We are just XXXX. XXXX our XXXX XXXX is insanely high ... ...
Product: Vehicle loan or lease

I traded in my vehicle on my loan for another used vehicle and switched financing companies. Exeter is still showing my old car, my old loan balance, and stating I have a payment due at the end of the month. Upon calling multiple times, I was met with resistance and told I need to call my new lender, which I did, and they said it is Exeter 's responsibility to get a hold of my new lender to get this resolved yet no one at Exeter willing to help fix this.
Product: Debt collection

After disputing inconsistencies on my credit report the accounts I reported have been updated inaccurately. Which has resulted in XXXX XXXX XXXX XXXX repeatedly call and text me non-stop. This has ruined my quality of life by constantly being harassed by a creditor after I reported them to the CFPB instead of them recognizing the creditor 's inaccurate reporting is a violation of FCRA Consumer Laws they allowed the creditors to update the debt inaccurately and added 7 years to my credit report. I receive text messages, calls and emails 4-5 times a day my email box is flooded with threats for an account that was reported inaccurate over 3 months ago.
Product: Debt collection

I missed a payment in XX/XX/XXXX i have not been able to make up the payment they start calling after the XXXX of every month up until the XXXX of the next due date they call 3 to 4 times a day and leave voicemail and text messages i spoke to the rep in XXXX and advised her that i will make a payment before the XXXX she stated that i have to make an arrangement for them to stop calling. Im filing a claim today because they have called me 3 times when i spoke to the rep i advised her that of how many times they call me a day and i also advised her of title 8 she told me that they are allowed to call that many time i told her that i feel like i am being harrassed im at work and they keep calling my mail box is full i empty it and it gets right back full. Please advise me.
Product: Vehicle loan or lease

I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.
Product: Debt collection

Account Spring Oaks Capital LLC XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.
Product: Debt collection

I made a payment for a returned check via payment portal. Then the very next day they charged me again. I was assured on XX/XX/XXXX that this would not happen and that I had a XXXX balance. I called on XX/XX/XXXX and was merely inquiring about the debt. On XX/XX/XXXX I made a payment online and confirmed receipt and confirmed that I would not be charged via ACH transaction for this debt. Call on XX/XX/XXXX was at XXXX, call on XX/XX/XXXX was at XXXX. When I called today at approx XXXX they denied existence of second phone call and when I told them I recorded it they magically produced it. They claimed that the representative was referring to my payment via ach and not via online but I specifically pointed out to the representative on XX/XX/XXXX that I was referencing the online payment to prevent any ACH payment and he acknowledged that they would not charge me. The very next day they then did transactions which put me further into the red as I now am unable to pay a resubmitted check from another merchant and was not expecting to have the funds be depleted via checkredi. The collector is CHECKredi of Kentucky LLC, XXXX XXXX XXXX, XXXX, KY XXXX. Reference number is XXXX. This company pressured me into making an online payment knowing full well that I would be double charged via ACH transaction and would then have to fight to get my monies back from them. They also engaged in deceptive practices in both phone calls providing false assurances and claiming that I was abusing them and when I pointed out that I was not using foul language or being abusive in anyway just interjecting when I needed to point out on a recorded line that they were being misleading then they insisted that they would not be able to help me. It is important to not use any type of check pay service to get a discount at convenience stores and gas stations. it is also important to not use a checking account to pay utilities or the like as they will have direct access to your monies and NSF fees can eat you alive. In addition use a debit or credit card that has fraud protection and preferably a credit card to make any transaction so that you have recourse should the vendor/servicer not provide you with goods rendered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last 4 SS XXXX Attention : Santander Consumer USA XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report.
Product: Debt collection

Reported a debt that is not mine to all XXXX credit reporting companies
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account XXXX from my report.
Product: Checking or savings account

XX/XX/XXXX Tried to access mobile banking on Bank Of America app but couldnt login and checked my email and had a message saying I was under {$100.00} which led me to go into a branch. Got there and they looked up my account and told me it was closed due to a suspicious transaction with a grant check that I received which I didnt know was bad and I was scammed. Branch employee and fraud department told me I should receive a check in the mail from the currency that i already had in the account by the end of the week but when I called customer service today ( XX/XX/XXXX ) they told me that the estimated time of closing the account is XX/XX/XXXX and then they would send out a check for the balance I had
Product: Credit reporting or other personal consumer reports

Carmax is in violation of fcra, over XXXX years negative reporting, filed complaints with the fcc and attorneys General office of their respective state, must be removed immediately with all XXXX Bureaus, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).
Product: Debt or credit management

Accounts fees are being charged upfront ( frontloading fees in full ) example settled XXXX of my debts paid {$100.00} to creditor and collected {$3100.00} in fees before a second payment is made to the creditor
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX ) XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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

My husband, XXXX XXXX XXXX, and I recently ( 9/23 ) opened a HELOC with Bank of the West ( Which has then since been acquired by BM O, NA ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance.

I later found out that we were 60 days late on payment
from the Credit Bureaus. We immediately contacted the bank ( now BMO ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 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 an 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: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. XXXX XXXX XXXX XXXX  XXXX, HAS VIOLATED MY RIGHTS. F 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
Product: Mortgage

I recently did a modification on my mortgage ( # XXXX ) with Carrington Mortgage Services, to refinance an arrearage due to Covid-19. I was out of town when they sent the document package ( without notification, I would add ), so when I received it, there were only a few days until the first payment was due. I called Carrington and asked if they wanted me to execute these documents, or if they wanted to send new documents. Carrington said they preferred to use the documents I already had, so I executed them later that afternoon, after Carrington had already closed. These documents included a note to pay off the arrearage I had accumulated during the Covid-19 problems. As I went through the document package, I realized they hadn't sent a first payment letter with the documents, as required, so I didn't know what the full payment was. But with the first payment being only a few days away, I decided to send the principal and interest payment amount ( {$530.00} ), to show good faith ( I knew that amount from the note ) and intended to either find out the amount of the escrows already applied to the loan or request to have some set up on my loan at a later date. However, when Carrington received my {$530.00}, they applied it TO THE ARREARAGE THAT THEY ALREADY HAD A NOTE IN HAND TO PAY IT OFF. I have been trying for over a month to get this straightened out, but to no avail. I have spent up to an hour on the phone each time, at least once a week, and each time they promised to fix the misapplied funds error, which they admit was done incorrectly, since it would have the effect of paying that part of the arrearage twice- but when I call back nothing is ever done. ( By the way, I have sent the remainder of that payment as well, {$410.00}, which Carrington is holding in suspense. I have also made a second full payment. ) I need for the monies to be properly applied and I feel some kind of sanction is in order for Carrington due to their inattention.
Product: Credit card or prepaid card

Target called me, advising that someone had tried to open up a Target Credit card with my social security number. The reason why it was flagged was that I already had one.

The hard inquiry is still showing on XXXX. Can you please contact all three credit bureaus and advise to remove.