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

I experienced a glitch in NMACs billing process that came within one day of repossession of my leased vehicle. 
In short, they failed to communicate with me from the day I leased the vehicle until the repossession demand was already dispatched. In essence, they expected me to investigate how to begin lease payments on my own. 
I leased a vehicle on XX/XX/2024. Even though they had my mailing address, my phone number, and my email address, I received no correspondence or communication from NMAC until XX/XX/XXXX, at which point they had already moved to repossess the vehicle. I paid the amount due immediately, narrowly avoiding repossession. 
The agent I spoke with defended the practice of using only anonymous robocalls until the repossession demand was triggered. 
Ive sent a letter ( attached ) asking for an explanation and an apology, with no response.
Product: Debt collection

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS : NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a contract through the " XXXXXXXX XXXX  '' application with XXXX XXXX XXXX. The negotiation was to do a painting of a house for XXXX XXXX XXXX XXXX XXXX dollars ( {$4300.00} ), ( Document # .1 ). XXXX XXXX sent me a check from the XXXX XXXX XXXXXXXX XXXX with check number XXXX for XXXX XXXX dollars ( {$4000.00} ) and it was deposited into my XXXX  XXXX, XXXX business account at Bank of America on XX/XX/year>, ( Document # .2 ). Two days later, on XX/XX/year>, the contract was broken. That same day, I personally went to Bank of America so that, with the help of the bank 's financial advisor, he could help me make the transfer safely, seeing the availability of the money, which I understand has gone through all the security and resource availability procedures. With the help of the bank 's financial advisor, we made the transfer of the XXXX XXXX dollars ( {$4000.00} ) through Wire Type : Wire Out to the account number that XXXX XXXX XXXX indicated to me. On XX/XX/year>, I realized that there was a " Return Item Chargeback '' of the XXXX XXXX dollars ( {$4000.00} ) that were already available in my Bank Of America account. Now the bank does not want to recognize the XXXX XXXX dollars ( {$4000.00} ). I made the transfer because the money was already available in my business account at Bank of America. The bank, after making the money available to me, should not have allowed the money to be returned to XXXX XXXX XXXX. ( Document # 3 )
Product: Debt or credit management

The company doesn't have a real call center with live representatives. There is no way to file for a dispute and it is still impacting my credit score. 
I tried all the options from the automated call system many times but I coudltn get to anybody. 
If they are not going to take the dispute, they shouldn't work as credit bureaus. 
Why do we need to get judged by these credit bureaus that don't even exist? They don't take calls and try to fix people 's credits on time. 
The collection is paid off and closed. And the collection agency said they updated my info on the XXXX XXXX XXXX XXXX  and it looks like Experian will never update my data.
Product: Credit card

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the XXXX number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a school social worker at a district for public schools and a mental health counselor. Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. As a result, my XXXX closed my card and I didn't even have a balance. They didn't want to work with me nor did they care. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 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. 


Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The inquiries listed on my transunion report we fraudulently made and shoud be deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX  credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.
Product: Credit card or prepaid card

Dispute reference number XXXX. Amount {$1600.00}. This dispute was opened a couple of months ago. The merchant, XXXX, delivered the items to wrong addresses. When creating the dispute, I provided American Express with documents to substantiate my claim. I clearly pointed out in a summary document that XXXX delivered the items to wrong addresses. My supporting documents also included an invoice showing the correct " ship to '' address in Delaware, a screenshot order of status showing the tracking numbers, and screenshots of XXXX delivery confirmation of every track number showing items were delivered to wrong addresses in other states, such as South Carolina. I also requested an American Express associate over the phone to add note about the XXXX order number to the dispute, and specifically pointed out that this particular transaction under dispute had never been credited back to me ( there were multiple unrelated credits from XXXX of the same amount. American Express had in the past closed my dispute without investigation, quoting that XXXX had already issued a credit. Therefore, I pointed that no prior credit was related to this transaction being disputed ). 
On XX/XX/XXXX, American Express notified me that they received proof of delivery from the merchant, XXXX and forwarded it to me. American Express also decided to side with merchant by removing the temporary credit. However, I found out that XXXX documents on the contrary substantiated my claim! XXXX documents included an invoice showing the correct " shop to '' address in Delaware, and XXXX  delivery confirmation showing items were delivered to South Carolina. I am not sure on what rational ground American Express accepted XXXX response as proof of delivery and sided with merchant. It should not be very hard to reach the right conclusion that XXXX indeed did not deliver the items to me if anyone just spent a minute reading XXXX documents and my documents. There seems to be something missing with the way American Express handles dispute materials. 
On XX/XX/XXXX, I reached out to American Express and hoped that American Express could just take a look at XXXX documents again. However, American Express replied that they could not review the documents again because the case was closed. They could not re-open the case again either. They could not help me connect with dispute team either. They could not do anything except repeatedly asking me to re-create a separate new dispute and submit everything again. It does not make sense to me that I had to start everything from scratch again for a case that had been dragging on for months so American Express could review the same documents again. I am deeply concerned about XXXX XXXX approach of creating so much friction in a dispute process, likely lack of due diligence in treating dispute materials provided by customers and merchants, and apparent inability to reach a logical and rational conclusion based on the evidence. I am attaching merchant, XXXX 's response materials through this complaint.
Product: Mortgage

It has been more than sixty days since my Chapter XXXX was discharged. Ditech Financial promised to release my account to regular customer service. They never did even after calling several times once every week. They raised my mortgage without communicating with me. When I sent the regular payment on XXXX XXXX, they did n't post it to my account. Also they reported my account as closed to the XXXX credit bureau.
Product: Mortgage

I have been applying for mortgage assistance for a few months. I was told I was approved for a partial claim, did not recieve paperwork. I asked several times to be reviewed for a supplemental loan and was told I could only get what I was approved for, that was not shown as even being reviewed for. Then they sent me a modification which I denied due to it being more then a regular payment. Asked again for supplemental review, I got approved for partial claim again, so I sent in the paper work 3 days after receiving, then was told I was denied because it was received late and something wrong with what notary did. I asked to be put back in so I could get the paper work again. I was told due to being 14 months delinquent I was not eligible for loss mitigation and had to pay in full or I lose my house. I specifically asked for foreclosure date and there was not one. I know I am eligible for loss mitigation. I am a loss mitigation underwriter. I was laid off and then was sick and now desperately trying to save my house and they have lied to me and not done what they said in previous months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday   XXXX   XXXX   XXXX   I looked at an updated credit report and notice for negative accounts were re-inserted into my credit report. These four accounts were previously deleted and blocked due to ID Fraud. Equifax is re-inserting accounts that were previously deleted by the creditor as fraud and I have attached my supporting documentation.   XXXX   XXXX   XXXX   XXXX   was deleted back in  XX/XX/XXXX  and deletion form from them is attached.    XXXX   XXXX   XXXX   and   XXXX   XXXX   ar e fraudulent account and they were removed in  XX/XX/XXXX  and the deletion report from Equifax is attached along with the FTC Affidavit. Instead of adding my positive accounts that they have removed they are re-inserting negative fraudulent accounts that has been previously removed. There is something seriously wrong here. There is something seriously wrong with Equifax and their reporting incorrect and correct information. As I have stated in previous complaints about Equifax they are single handedly ruining my credit. They have no clue at what they are doing. Remove the accounts now!! I am going to lose the home that I am trying to purchase because of their negligence
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was told by a variety of people that the accounts would be closed but I had to pay for overdrafts generated by the accounts. 
According the their ( USBANK ) that the accounts would be closed and an investigation will be started. 
Jump ahead two months later, the accounts are still open. Again I informed the fraud department that the accounts are still open then I was told that I am responsible for the overdraft fees. The fraud department has suspended my accounts and my password. 
I can not have access to my accounts and I can't get anyone to assist me. Their ( USBank ) fraud department has locked me out and has it that I owe them money now for non payment of my mortgage. 
I feel USBank is trying to get money out of me because I reported these fraudulent accounts and I am fighting to get them closed.
Product: Credit card

I want discover to remove those amount and take it off my credit report and score
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reflecting credit inquiries that I did not authorize, sign papers for or allow any company or person on the attached Here to to inquire my credit profile
Product: Student loan

My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bridgecrest Company for their violation of consumer laws, specifically outlined in 15 USC 1681b. It has come to my attention that Bridgecrest has included the transactional history between themselves as the creditor and me as the consumer in my consumer report. This inclusion of transactional history directly contradicts the regulations set forth in the aforementioned statute.

According to 15 USC 1681b, a consumer report should not encompass the transactional history between the creditor and the consumer. However, despite this clear legal provision, Bridgecrest has failed to adhere to these guidelines, thereby infringing upon my rights as a consumer. 
The presence of this transactional history in my consumer report has had severe adverse effects on my overall credit standing. It has unfairly skewed my credit profile and misled potential lenders and creditors, impacting my ability to secure favorable financial terms and opportunities.