23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Opened Loan with Nissan Motor Acceptance Corporation (NMAC)Original terms: $XXXX / month for 72 monthsXX/XX/XXXX - Involved in a car accident that resulted in the asset being totaled. The insurance company paid for the value of the car but still owed $XXXX. Called NMAC and was told the loan would be transferred to Lost Recovery with no option for negotiation. Was told negotiation would need to be handled there.Called Lost Recovery and stated that I would like to not miss any months of payment, and would like to continue paying the loan under the original terms until the balance was $XXXX. NMAC agreed, was told that so long as I made the payments on time and in full, that the loan account status would not turn into a charge-off.XX/XX/XXXX - XX/XX/XXXX, continued to make payments of $350 (original monthly payment: $XXXX) until $XXXX balance. Completed the final payment over the phone to NMAC Lost Recovery and was told that I would send a letter that my account was paid-in-full and in good standing and the results would be reported to the credit bureaus.XX/XX/XXXX: I never received said letter to my address and the credit bureaus reported a charge-off.Called NMAC on XX/XX/XXXX, at XXXX XXXX. Duration: 9min 56sec. Requested a reason the charge-off was reported when the original agreement was that it would not list as a charge-off so long as I paid the account on-time and in-full. The agent informed me that the bureaus were slow to update their information and they would put in a request to remove it.XX/XX/XXXX - Information was updated to correct info and account was in good standing.XX/XX/XXXX - Credit monitoring informs me that there was an update to my NMAC account. Shows the account is now OPEN with a balance of $XXXX. No affect to credit score, but now shows incorrect information. Dispute it with XXXX on XX/XX/XXXX. Results recieved on XX/XX/XXXX now show that NMAC reported it now as a charge-off, closed and amount written off $XXXX. Again, the wrong information.Called NMAC on XX/XX/XXXX at XXXX XXXX. Duration: 21 minutes, 3 seconds. Requested a letter on the status of the account. Was told again that the bureaus are slow to update their information and it could be up to 60 days for them to update my reports.The neighbor in my complex contacted management that they received someone else's mail on XX/XX/XXXX. Management contacted me as my name is on file. NMAC put unit "XXXX" in both the street number and unit. On my portal, my correct address was listed with the correct address. NMAC Lost Recovery sent MY sensitive credit information to the wrong address. The letter could have very well never reached me if my apartment management wasn't able to handle this situation.Called NMAC on XX/XX/XXXX at XXXX XXXX. Duration: 8 minutes, 36 seconds. Was told that I could not speak with Lost Recovery as they were closed that day (Sunday).Dispute with XXXX on XX/XX/XXXX. Upload letter, but XXXX   states that the information was already updated and I would need to consult with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX as well.
Product: Debt collection

First off, I don't owe a balance with XXXX ... I've been harassed by fXXXXr for months now after telling them to cease communication! They violated fair debt collection practices! Then sage capital recovery has called and threatened me with jail time if I didn't pay. The guy, told me I need to learn how to pay my bills! This is harassment and is against federal law!
Product: Credit reporting or other personal consumer reports

Equifax is not sharing my credit report with me at all, I'm unable to see my credit score, report nor any of my open credit card accounts. They are reporting nothing while XXXX is.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
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  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX 2015 we decided to refinance our home so we call our bank they assign me to a sales agent but it was really hard to get a hold of him after a month we call again so they can assign our loan to somebody else they did and the lady sent us an estimate of how much our interest was going to change we agree and they charge my account for the application fee, appraisal and record but they never ask me anything they just told me that it was pretty much approved that everything look good that they needed to send to underwriting for approval they charge my account almost {$900.00} after 2 weeks they call me and told me that they denied my case because a part of my house was modified and that the money was n't reimburse I told the mgr why did n't they told me before they charge my account the requirements to approve a loan they never ask me this questions and they are some lenders that they do accept this if I would know I would n't done it and she told me well we ASSUME that there is no problem with the house and if we ask this questions the process is going to be longer. They need to be more professional by asking questions and letting the customer know that if something goes wrong they are going to lose the money by the way the mgr is really rude!!!!
Product: Credit card or prepaid card

On XX/XX/2018 I received a pre-paid XXXX card for {$50.00} as part promotional discount on a set of tires. On XX/XX/2018 I attempted to use this card at store and when I scanned the card it was taken for the full amount of {$74.00} instead of just the {$50.00}. I informed the cashier that the card was only good for the {$50.00} and she voided the transaction. I then paid for the items using my personal debit card. After returning home from the store I called the number on the back of the card and activated the card again believing that I may not have activated it in the first place. XXXX activated the card again and when I attempted to use it again it was declined. I looked on XXXX 's website and found that the original transaction of {$74.00} was processed and I owed a balance of {$24.00}. I have not spent the original {$50.00} and I want my money.
Product: Credit reporting or other personal consumer reports

These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to this company. I have late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. From the very first day, I have had issues with their mobile app. I have for the several months listed above had multiple issues adding a bank account and other issues. I have never had any late payments. I spend more time trying to add a new bank account and having payment returned because the system kept using my old bank information. I am completely frustrated and null to this company. I have asked them to sell my mortgage to another servicer and they have refused. I attempted a dispute to the credit bureau to no avail. I attempted to resolve the issue directly with this company and still no resolution.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information on your website, company records, of any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy right wont be violated again due to lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and had proof in the attachment labeled as Exhibit A and Capital One Bank USA ( XXXX XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), is in violation of 15 USC 1681n ( b ). 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining about Experian. 
In my XXXX years on earth I had outstanding credit because I never missed a payment or even made a payment late. Ever. 
Within days of receiving my statement i called XXXX XXXX to request the payoff balance of the account. I immediately paid the remaining balance in full and closed the account. 
XXXX XXXX for some reason added charges to the account afterwards of which I was unaware. 
I was never contacted by them in regard to the charges and found out for the first time when I saw that my credit score was blasted from over XXXX to below XXXX by Experian. 
After inquiries, I contacted XXXX XXXX and resolved the issue which was their mistake. 
Now my credit score is still below 700. 
I feel that my credit score dropping almost 200 points because of something that was not my responsibility is unfair. Especially considering my flawless lifetime history of timely payments and financial responsibility.
Product: Debt collection

I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.
Product: Payday loan, title loan, or personal loan

I received a Payday  loan  XX/XX/2014  and  I was making payments until I lost my job and I contacted agency to see if I could post  pone  my payments until I began working again they refused my attempt and I have n't heard from them since until today I received an email threatening to arrest me
Product: Mortgage

I missed a payment on XX/XX/XXXX. XXXX XXXX mortgage called me on the XXXX or the XXXX to ask when I can make the payment. I stated a couple of weeks, 2 weeks, 14 days when they asked for an exact date I told them I was unable to give them that as I am XXXX  and XXXX  and unfortunately my brain does not know time ; minutes, hours, days, months. XXXX XXXX persisted to gaslight me and ask me where I was going to get the money to pay them which I thought was very inappropriate. After repeating myself three times I hung up because he was clearly going to try to bully me into giving him exactly what he wanted instead of him doing any work on his end to try to help me. He persisted to email me everyday to call him and he also called me persistently from the day after he called up till now XX/XX/XXXX. I had called their customer service I made a formal complaint against XXXX I told the person on the customer service line the entire story. I have emailed them for arbitration disclosures which they say they do not have. I would like to take them to arbitration for the harassment. They also said in the email they are no longer going to be contacting me about receiving a payment on my mortgage and to recontact customer service if I have any other issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there, I immediately called and settled this account. I never received any calls, notices or correspondance about this debt and only recently found out. This is affecting me negatively and I ask that Chase Bank please remove this account from my credit file completely. The debt has been settled, and I do not owe this debt.
Product: Mortgage

This is regarding a loan with Rocket mortgage ( XXXX ). The owner 's of the property are XXXX XXXX and XXXX XXXX. 

We asked Rocket, when we refinanced, if we could later do a Right of Way Abandonment. They said yes, but, you need to let the new loan mature 1 year. We did that and then Rocket mortgage refused to do the ROW abandonment. 

We live in a historic district and many neighbors have done ROW abandonments, and the Town or XXXX wants the ROW abandonment. 

We want to do this so we can build a garage. 

We wanted to move forward and trade XXXX feet in front for XXXX feet in the back. Essentially, we own the street in front of the house, but, not the backyard. It is this way because this is a historic district, the house was built in XXXX, and the surveys were not accurate. 

This is normal for this neighborhood and is a matter of surveying and redoing the maps to make everything correct. And, to legally allow us to use the property that is basically our backyard. 

Rocket mortgage will do an exchange if we wanted to sell land, or, buy more land, but, they refuse to do an equal exchange. 

And the only explanation is it is a " Corporate Decision ''. 

What they want us to do is refinance. OK, but, we have a great rate, and rates are now higher, and, we don't want to refinance as it costs more in the long run. 

And, it is not Rocket Mortgages right to force us to refinance, when they have a division that does this work, and they do charge thousands for it. 

So, we are being for forced to refinance when we don't want too. 

We feel that it is the servicer 's obligation to service the loan when this type of problem arises. After all, our property will be worth more after the exchange, as, we will be able to build a garage. 

And Rocket Mortgage should not be able to force us to refinance. 

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

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Student loan

I am understanding the Ombudsman 's office to state to me that Navient is protecting me by only adding capitalized interest ( it does not inform me of or provide advance notice on how to pay to where it is not capitalized onto principle ) from forbearance ( a plan I am then placed on without my consent ) rather than standard repayment ( again, without my permission ) because the database needs to change repayment assignment during processing due to there being too many loans for them to process. I have filed a complaint against Navient for placing outstanding capitalized interest on principle, among other behaviors seemingly intent to cause damages to me. I await contact from a worker for the complaint, and am told ( by Ombudsman ) to continue to try to seek answer/resolution from Navient, who has directly said to me " I can not answer your question '', scheduling a return call for answers to be provided and then not actually making the return call as scheduled, seemingly being allowed to lie to ( and cheat ) me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : 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. Please be advised that I did not give consent for any agency to report on my consumer report.
Product: Credit card or prepaid card

I received a Barclay 's credit card as part of an online promotion. I never used the card but a fraudulent charge appeared on the account. I contacted Barclay 's fraud service who assured me the charge was removed and no late fees would be associated with the fraudulent charge. two months later i started getting emails and calls from Barclay 's telling me my account was past due and threatening my credit. I once again contacted customer service at Barclay 's and after numerous transfers and agents was told that two late fees associated with the fraudulent charge had been removed and the charge itself was returned already. Now, three months later I am getting more calls and emails complaining about the account being in arrears. I contacted customer service who claims to not know why additional late charges and the fraud charge are back on the account. I was told three months ago that the account had been closed but apparently they could not accomplish that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. 
Bonneville Collections NEVER responded back. 

On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.