23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXXand XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023 .
Product: Vehicle loan or lease

At the start of the pandemic, end of XXXX of XXXX, I called the leasing company to make a payment for XXXX of XXXX and was told by an agent who took my payment over the phone ( at their company ) that my leasing company that due to the pandemic, they would defer my payments for 4-6 months. I went through a series of questions and was told it was being recorded to which I agreed to everything and at the end of the phone call was told nothing else needed to be done on my end and to stay safe. 

Come XX/XX/XXXX, I was speaking with a friend at his place of business and there was a gentleman outside who hooked up my car and told me it was being repossessed for non payment. He gave me a number which led to about 5 other numbers and calls to get in contact with someone. 
After wondering why my car was being taken away, I was told me there was no documentation on the deferment and said they would give me the car back only if I paid {$47000.00} something the remainder of the car. Which made no sense because it was a lease. 
I asked to speak to a supervisor and within two days someone called and told me that I had to pay the full balance on the car. I was never late EVER until COVID. 

I actually offered to pay the 4 months I was behind and another 2 months forward. They declined and told me that they would accept the {$47000.00} plus payment to release the car. When I asked why I was never called about any matters to being denied of this deferment and was informed they were calling my ex husband, my mother and my daughter 's cell phones to which NONE of those numbers were listed on my account when I signed up for the lease! 

On XX/XX/XXXX, at XXXX, a woman named XXXX XXXX XXXX and asked me what happened ONLY after I replied to an email ad I received from Bethpage Financial. I told her the whole story to which she told me the way the situation was handled was incorrect and she would look into it. 

She never got back to me and neither did anyone at BethPage. But they posted a repossessed on my credit which I had worked tirelessly after my divorce to improve and NEVER was late on any payments. 

COVID was and still is a financial disaster. So many hard working people are penalized and have lost everything they own to this pandemic. I tried to make a deal with them and keep my car which I loved so much. To no avail, only to be penalized and had my car taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my XX/XX/XXXX credit report from SunTrust Bank XXXX as XXXX, dated XX/XX/2019. I DID NOT APPLY FOR A LOAN WITH THIS COMPANY. The company provided a response claiming that their company name is LightStream ( attached letter ). I've never heard of this company, have never contacted this company, never applied for a loan, and never gave consent to run a hard credit inquiry. Where is the original application? This company did not provide it to me in the last response. It appears this company obtained my information illegally from a third party and placed an inquiry on my credit report. I am just asking for the inquiry to be removed.
Product: Mortgage

In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month. 
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default. 
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life. 
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

XXXX, XXXX, XXXX XXXX  fraud began:XXXX Account Number : XXXX, Total fraudulent amount, {$17000.00} XXXX XXXX XXXX XXXX : fraud began XX/XX/year> Total fraudulent amount {$4100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX fraudulent amount : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$590.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquires that need to be removed from my credit report : 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 I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Please DELETE ACCOUNTS BELOW IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Reported balance {$27000.00} XXXX XXXX XXXX XXXX Reported balance {$4600.00} 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

recenttly i looked at my credit report and noticed several fraudently inquries .i feel these inquries are adversley affecting my credit report it is my understanding that you would investigate these items for me to ensure accurcy here are the items XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, American Credit Acceptance has violated my rights.

15 USC 1681 section 602 states that i have the right to privacy.

15 Usc 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

1.I have never had an account with this company XXXX XXXX XXXX XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX XXXX  the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Consumer Loan

On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$270.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$640.00} has been closed and removed from my XXXX report due to these violations but XXXX and Transunion have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

I requested a detailed ledger breaking down the complete balance I allegedly owe, including all payments made. However, the representative failed to provide it. Instead, they attempted to coerce me into making payment, stating that the balance is small and asking if I would like to pay. The representative actions were very deceptive.
Product: Mortgage

We had applied for and were APPROVED for a mortgage refinance with Loan Depot. The entire process from application, to appraisal, to scheduling closing was complete. Closing date was scheduled for XX/XX/XXXX. On XX/XX/XXXX, we received a statement of " Application Declined '' from Loan Depot " final underwriting review '' stating the sole reason as " Seasoning. '' We have a lien against the property that was to be paid in closing. Loan Depot verbal explanation was that the lien was less than 12 months old so it was not seasoned. We were devastated. 
I have recently been informed by an attorney that there is NOT " seasoning on a second deed of trust. '' FHA seasoning pertains to the FHA mortgage in which they now require 6 payments to be made. This was changed in XXXX. There is NO seasoning on a second lien being paid off in a refinance, or any debt. It only applies to the Mortgage. 
What Loan Depot did was ILLEGAL ; therefore, we feel we should be able to close this loan immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my Transunion and XXXX and not XXXX.