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

XXXX XXXX XXXX opened and loan with credit acceptance as a fraudulent loan amount and refuses to settle I have reported the fraud numerous times to the company and they continue to contact me and report to my credit report dealership opened a fraudulent loan with my information with extremely high interests and never disclosed this information
Product: Checking or savings account

Since the Truist merger I have not been able to access my online banking, I have done all required but they have all my information incorrect. Went to bank and they denied their errors and I have been blocked from my on line account.Many others are dealing with their banking
Product: Credit reporting, credit repair services, or other personal consumer reports

The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Product: Debt collection

I moved out of a previous apartment complex on XXXX  and verified with the leasing agency I did not owe any security or damage fees. Since XXXX the leasing agency has not attempted to contact me via email, phone, or mail about any outstanding debts. After receiving a call from IQ data on XXXX  and being informed of an outstanding debt to this leasing agency of {$450.00} I stated I was uninformed of this and asked if I could return their call after verifying with the leasing agency. I was informed if I disconnected the phone call it would be marked as a failure to pay on my credit. I offered to provide a debit card number but requested the amount not be charged until XX/XX/ to allow reasonable time to contact the leasing agency to verify the debt. Immediately after providing my card number I was charged for the debt and told any disputes to said charge would take upwards of 5-7 days. I was given no reasonable opportunity or timeframe to verify this debt due to what appeared as a threat towards my credit score if I failed to provide payment before terminating the phone call. Afterwords I contacted the leasing agency about the matter and was told there is a possibility of a mistake and would need to wait for them to contact their accounting office to confirm or deny the debt
Product: Debt collection

I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Common Wealth Financial Services has not provided legal validation of this debt and has not provided any signed contractual obligation which is binding on me to pay this debt. What constitutes legal debt validation is the following : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

None of these items have been presented to me.

Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

Since you have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is inaccurate reporting. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.
Product: Bank account or service

On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent increase appearing on my credit reports. I have listed supporting documents below.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I XXXX XXXX disagree what it on my credit it is affecting me to get an apartment. Credit cards charge off its things on my collections thats not suspose to be on there
Product: Checking or savings account

Capital One had an outage that caused me not to be able to access my deposited funds. It was 4 days before I could access my funds causing me to loose wages and accumulated lates and fines. Capital One agreed to pay the {$15.00} late fee but refuse to compensate me for my lost of wages. I also couldnt feed my family XXXX XXXX XXXX XXXX  due to not having access to my funds.
Product: Debt collection

I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).
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The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.
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I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.
Product: Credit card

On XX/XX/XXXX I reported fraud to Synchrony Bank. I filled out the form they requested I complete. I have written 2 letters continuing to object to the fraudulent charges. The charges occurred in states I have never been to with merchants I have never done business with. Synchrony has not sent me anything stating the results of their investigation, over 90 days have passed, and they are in violation of the Fair Debt Collection Practices Act. They continue to charge me for fraudulent charges. 

I asked the Colorado Attorney General for help, and they declined to provide any. 

PLEASE HELP!!!!
Product: Debt collection

I am writing to formally dispute the accuracy of a debt reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is referenced by the account number as National Credit Systems Dispute Details : Inaccurate Information : The debt reported does not accurately reflect the details of the account. Specifically, the amount owed and date of account being opened. This inaccurate reporting is in violation of FCRA Section 609 ( 15 U.S.C. 1681g ), which requires that credit reports be complete and accurate.

Missing Verification Information : I have not received sufficient personal information to verify this debt as required by FCRA Section 611 ( 15 U.S.C. 1681i ). Specifically, I have not been provided with adequate documentation or identification details that link me to this account. Under the FCRA, I have the right to request and obtain verification of any disputed information on my credit report. 


Sincerely, XXXX XXXX
Product: Mortgage

We bought our home with a government backed FHA mortgage loan and there are several programs that are designed to help FHA homeowners with hardship get back on track. Equity Prime Mortgage has never considered us or reviewed us for any of these programs and instead has started the foreclosure process. Our family has had an extremely difficult time ever since we purchased our home in XX/XX/2022. My wife XXXX started a new job in order to help the family with more money but the position ended up not working out. Not long after that the overtime at my job got cut, and about 7 months after purchase we found ourselves struggling with the mortgage payment and tried to get the bank to work with us. Instead of help we got obstruction by EPM and false promises about sending us paperwork and it put us in a bad position.

My wife started a new job right after we bought the house because it paid more. Unfortunately, it did not work out as planned because the commute was much farther and she did not receive the hours she had been promised. She tried to stick it out hoping it would get better but it did not, and then my overtime got cut and we were in trouble. We have XXXX kids in our house as well as my wife and oldest son and the cost of food, gas, and utilities were going up and we were in over our heads and could not make the XXXX mortgage payment. That is when we started trying to get Equity Prime to work with us but my wife had difficulty getting anyone to speak with her or help and they kept promising to send out paperwork but never did. I work as a welder and I am not allowed to have a phone on the job site and my son XXXX works on the train, so neither of us were able to call in during business hours to try and get help from the bank, so my wife XXXX would call in. She told the agents that we were in trouble and wanted to make a partial payment but they said sorry we cant speak with you. They said they were going to send us paperwork for mortgage assistance and third party authorization forms so that they could talk to my wife but these never were sent. My wife continued to try to get someone to speak with her about our mortgage situation and finally in XXXX ( after 4 months of trying ) was able to get someone to send out the mortgage assistance and third party paperwork. We sent this in but have never heard back from the bank, even though my wife has called several times to get updates. Now we are being told that our mortgage loan is in foreclosure. This should not be happening. 

Our hardship is resolved as my overtime is back and my wife went back to her old job. We tried to resume making mortgage payments a couple of months ago but EPM refused to accept them. We submitted the borrower assistance paperwork but have no idea if it was received or if anyone even looked at it. When my wife calls to ask they tell her they will call back and let us know but they never do. Then we were blindsided by a foreclosure letter from your company.
Product: Student loan

Mohela moved several of my loans out of the SAVE Plan and refuses to fix it. 

On XX/XX/XXXX I was notified via email that my repayment schedule had changed ( notice attached ). Nine ( 9 ) of my loans ( # 1-13, 1-12, 1-11, 1-10, 1-09, 1-08, 1-07, 1-06, 1-05 ) were now setup on a Level Repayment Plan and that my first payment was due XX/XX/XXXX. I contacted Mohela on XX/XX/XXXX to inquire why my loans had been moved to a new payment plan since I was approved for the SAVE Plan back in XX/XX/year>. 

After several minutes of holding while Mohela researched the issue, I was finally told by the representative that during Mohela 's transition to a new online platform somehow my loans were accidently moved out of the SAVE Plan. The representative confirmed that I still had eligible time left on the SAVE Plan. Next, the representative said that they could not move my loans back into the plan because of the pending court case and injunction. I explained to the representative that is solely their error and this is denying me of any forbearance that I am eligible for under the SAVE Plan or other benefits while the legal case is pending. The representative stated that the only option was to apply for an administrative forbearance that lasts only two months. As a result, during this time I will continue to accrue interest unlike those borrowers who are under the SAVE Plan who were automatically placed in a forbearance without interest being accrued.

I have attached communication from Mohela stating that the loans referenced above was under the SAVE Plan before Mohela transitioned to a new business platform and I have attached the notice from Mohela stating that my loans had been moved to a level repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised XXXX  and Equifax on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received XXXX per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. XXXX  had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX XXXX XXXX XXXX XXXX also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I was completely stunned when I checked my credit report tonight and saw inaccurate accounts listed. I have no idea how this happened. I check my credit regularly, and everything was fine before, but now there are random discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the false accounts stayed. This is really concerning, so Im asking for a thorough review of the documents Ive submitted to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have sent XXXX letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate credit reporting by Nationstar Mortgage ( also known as Mr. Cooper ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), which is negatively affecting my credit score and financial standing. 

The following issues are present on my credit reports : Inaccurate Late Payments : Nationstar Mortgage has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by Nationstar Mortgage, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by Nationstar Mortgage is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with Nationstar Mortgage by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Nationstar Mortgage corrects these inaccuracies on my credit reports. I also request that Nationstar Mortgage be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.
Product: Debt collection

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX, Account Type : Collection, Date opened : XXXX XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX, Account Type : Auto Loan, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Charge Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account Number : XXXX  Please remove account. 
Original Creditor : XXXX, Account Type : Credit Card, Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 
UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX  that shows the correct amount, and one picture from Transunion that is malicious. Action if you say that this is a duplicate please send me the duplicate or next time you will see me in dc at that office with the media.