23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, Nissan Motor Acceptance Corporation ( NMAC ) stated in their response to my complaint CFPB file # XXXX that NMAC has no record of receiving any payment for {$410.00} in XX/XX/2020 and that the account is being reported accurately as charged off with # XXXX they also said that they have no affiliation with the credit reporting agencies and does not determine the information each credit bureau select to report and requested that i contact XXXX  directly to dispute the fraudulent credit reporting. 
Well i have disputed directly the fraudulent credit reporting with XXXX. 
XXXX  responded and told me that they do not report anything on the consumer 's file without the data furnisher requesting them to do so. NMAC is the data furnisher in this case. So according to XXXX  NMAC has reported a payment of {$410.00} on the account in XX/XX/2020 and a payment of {$410.00} on XX/XX/2020. 
Please note that i am not complaining about the status of this account but it is unlawful for NMAC to report false information on my credit report and deny it.

i have sent a certified mail with return to NMAC disputing these fraudulent charges which has been delivered but i haven't heard back from them. 
i have attached copies to this complaint for review.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX several payments were made by way of negotiable instruments payable in U.S. Dollars per the credit card agreement ( contract ) held with Navy Federal. Navy Federal in multiple ways violated the federal regulations and provisions under the Uniform Commercial Code. These violations have caused significant financial harm and distress. The specific violations are detailed below : 1. Regulation z ( 12 CFR 1023.13 ) -Navy Federal has failed to adhere to the requirements outline in Regulation Z, which mandates the correct handling of billing error disputes. Despite my repeated attempts to resolve billing inaccuracies, Navy Federal has not complied with the prescribed procedures. 

2. 12 CFR 1026.13 ( d ) ( 1 ) -- There has been a failure to provide a proper and timely resolution of my billing error disputes as required by this regulation. The company has either ignored or inadequately responded to my written disputes. 

3. 12 CFR 1026.13 ( a ) : Navy Federal has neglected to send the required acknowledgment of receipt of my billing error notice within the stipulated time frame. This non-compliance has left me without confirmation or clarity regarding the status of my disputes. 

4. 12 CFR 1026.9 ( c ) : Navy Federal has not provided necessary disclosures related to changes in the terms of my account, which has led to unexpected charges and alterations in my credit agreement without proper notification. 

5. 12 CFR 1023.10 ( d ) : Navy Federal has failed to maintain accurate records and has not furnished accurate and complete information to consumer reporting agencies, causing severe damage to my credit report and score. 

6. 12 CFR 229 et seq : There have been significant delays and errors in the processing of my payments, violating the provisions under Regulation CC which governs the availability of funds and check collection. 

7. UCC 3-603 et seq : Navy Federal has not followed the proper procedures regarding the discharge of obligation by tender of payment, causing undue continuation of my liabilities despite my compliance with payment terms. 

8. UCC Article 4-401 : Navy Federal has wrongfully charged my account, debiting amounts without proper authorization and failing to return these funds upon notification of the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account I have been a victim of identity theft.
Product: Credit card

I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution.
Product: Mortgage

My complaint or area of concern involves my mortgage not my lender. I really don ' know who else to tell my story as I 've been fighting this battle for the past five years. My issues particularly lie with XXXX XXXX XXXX XXXX XXXX Court in XXXX, SC. I filed for a divorce in XXXX my ex husband was court order to maintain mortgage payments. That order was never obeyed. He emptied the XXXX account which was under a restraining order and never paid the mortgage. Nearly 1 1/2 years went by, XXXX attorneys and XXXX contempt of court order and still no relief. I was a stay at home mother for nearly 17 years ; me and my XXXX children were still residing in the home. My husband voluntarily left his employment as a XXXX ( earning {$86000.00} ) applied for unemployment and food stamps. Took me to Court ( XXXX ) for a reduction in spousal & child support. Two weeks later relocated gainfully employed as a XXXX again earning a higher salary ( {$91000.00} ). During that time of nearly 4 months not a dime of spousal, child support or mortgage payments. I did an engine search and found out he was employed in XXXX. I borrowed more money from friends & family hired a XXXX attorney. The XXXX Contempt hearing XXXX XXXX XXXX my husband was found to be in willful contempt on multiple counts, namely the mortgage. A few weeks later to escape responsibility ( repayment of mortgage at that time it was in the arrears of more than {$30000.00} ) and penalty ( 30 days in jail ) he filed Chapter XXXX in XXXX, XXXX During the Final hearing process he converted to a Chapter XXXX claiming our XXXX minor children as part of his household. He also lied as respects to what he was paying in spousal & child support. Under our lenders request I did have his name removed from the deed early XXXX. I did get relief from Federal Court lifting the " stay '' to complete the divorce. At the time of the Final Hearing I was still unemployed however the Court awarded me the martial home and my now ex relief from mortgage responsibility. Placing the children in I in danger of becoming homeless. I applied multiple times for HAMP & NACCA programs. Until finally reaching out to CFPB which I most grateful and very happy to say assisted with the process between me and the lender. My issue is now my ex husband is attempting to have his name removed from the FHA mortgage/loan. I 've been paying the mortgage on time, I ca n't assume the loan on my own. My children and I have no where to go because of he non compliance with previous orders not paying the mortgage completely wrecked my credit & ability to rent in a safe decent area. Additionally, at the time our XXXX yr. old son XXXX XXXX in a 4 month time frame. I suggested relocating back home near family. The XXXX recommendation was no more major life changes XXXX. The Family Court system interest does n't appear to be in he best welfare for children and mothers. I am afraid the Court will order side with my ex and force me to take his name off the FHA loan. Please HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have shown verified documentation to update my personal file with Experian I have requested several times to remove address ( XXXX XXXX XXXX ) from My personal file, i I have provide my valid driver license, and all documentation as requested to remove this address, I dont live here this is not my address. 

Experian is completely violation by not removing this address as requested, I have provide information showing this is not my address, I provide mail documentation such as insurance paperwork showing this is not my address as well. 

Im demanding Experian to remove this address under my FCRA rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. Which I have stated to remove this address thats not mine, beginning with XXXX XXXX XXXX, Experian has chosen to ignore my demand when I have provide information showing I dont live at that address Im demanding for this address to be removed This is violation under 15 U.S.C . 1681 b 15 U.S.C. 1681b ( a ) ( 2 ) 15 U.S.C. 1681n Also Experian is in violation of 15 U.S.C 1681g how are Experian verifying this account im request for information to be shown to me on where the information verified is being verified ( within 4 days of written request or removed from my credit report immediately. Also.by not updating my information correctly and fairly. They have associated me with a 2 fraudulent account by name of XXXX XXXX XXXX on my credit report which I have requested several times to remove under 15 U.S.C. 1681 S-2 I have provide a police report, and provide vaild driver license to prove my identity and place of residence for over 15 years. 

Im demanding for XXXX XXXX XXXX account # XXXX to Removed from my credit report immediately they have been reporting on my credit not only as an fraudulent account, they are in violation of 15 U.S.C. 1681n bb Also have not provide any information as request pasting the 30 day expiration requirements/ in also in violation of 15 U.S.C. 1679i due to not providing information this account is past the statue of limitations as well XXXX XXXX  account # demanding to remove immediately 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions/ also under 15 U.S.C. 1681 S-2 which documentation has been provide several times
Product: Credit card

Discover Card is / has charged off my credit card debt. I am in dispute with my mortgage company over a failed refinancing and a failed loan modification. Proceeds from these actions were to be used to pay off my credit card. I am pursuing legal action against my mortgage company.
Product: Debt collection

Elevate recoveries LLC contacted me by way of phone and harass and threaten me with a medical debt of {$530.00} From XX/XX/XXXX that was paid by my medical insurance I asked why are you now trying to collect a debt you can not prove that I owe that was paid by my medical insurance only for her to be rude, harassing, stated that my medical insurance did pay for it but to say that I owe $ XXXXThat check your credit report it has been reported negative on your credit report as to insinuate look what my company did to you? Also of note as this was not bad enough this unlawful collection attempt to harass and collect was done on Wednesday XX/XX/XXXX the same day as Hurricane Milton is coming onshore in Florida while XXXX, and most other cities and towns are under State Of Emergency for Hurricane Milton!!! Seriously are you kidding me?
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX  XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

The first bill statement that was not received was at XX/XX/XXXX. After this it happened again on the Month of XX/XX/XXXX. I did not receive the bill statement before the due date. I made the payment on XX/XX/XXXX and received the bill statement of XX/XX/XXXX with a different minimum payment due because the XXXX bill statement came late. XX/XX/XXXX bill Statement I paid on XX/XX/XXXX ( By the way all the payment is made around day XXXX and XXXX every month. ) On XX/XX/XXXX I spoke with XXXX about the fee and she told me that she refunded the fee ; however, I just got today the XX/XX/XXXX bill statement with the Minimum payment due more than {$42.00} for the error that I did not do. The XX/XX/XXXX bill statement came late and Synchrony bank is blaming me. It is not right and it 's unfair. Today I spoke with XXXX and later with XXXX. XXXX said she will do it a courtesy to remove the fee. It is not a courtesy ( DID NOT RECEIVE THE BILL STATEMENT ON TIME ) and I asked her about the Minimum payment due of {$42.00} ; she said she can not do anything about it. I believe the American people and I need to get the bill statement before the due date. I will continue to make the payment of {$42.00} until I get an answer by authorities.
Product: Checking or savings account

On XX/XX/22, I transferred {$750.00} from Keybank to XXXX bank. However, this money was reversed by Keybank ( my XXXX bank didn't receive this money ). I have been trying to contact customer service through calling, chatting with an agent and even visiting the bank, but every worker keeps referring me to do one of the other options. It has taken half a year, and I still haven't got this money back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft 08 SYNCHRONY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I
moved from XXXX to XXXX, MO. On that move the mover damaged antiques and furniture. I asked Discover credit cards to dispute the charge and of course they denied my request. I recently bought furniture and it up my credit that I owed. Not out of line at all. I made my displeasure with their determination known and I did NOT AGREE with the outcome.
I checked my credit score and because they said I agreed with the dispute XXXX XXXX and XXXX  lowered my score. The lied to XXXX credit bureaus about my feelings on their determination and that if not illegal, certainly should be.
I want Discover to change their lies on my credit report immediately. I sent Discover an email about my dispute and displeasure with their decision and they lied about my feelings on this because simply, they wanted the money and sided with a corrupt furniture mover who has damaged antiques and furniture for many people. So as I see they are as corrupt as the movers. I WANT THE TRUTH ON MY CREDIT REPORT IMMEDIATELY.
I AM SICK OF THESE CORRUPT COMPANIES GETTING AWAY WITH RUINING PEOPLES CREDIT BECAUSE THEY CAN. AND I WILL GET MY ATTORNEY INVOLVED BECAUSE THIS IS A BOLD FACE LIE ON MY CREDIT REPORT. I WANT IT RESOLVED TO THE TRUTH, IF THAT EVEN MATTERS ANYMORE IN THIS COUNTRY AND FROM THE LOOKS OF OUR PRESIDENT, MY GUESS IS ITS A NEW LOW IN OUR COUNTRY. AND APPARENTLY YOUR IN BED WITH THEM AS WELL AS I HAVE NOT SEEN YOU HELP ONE INDIVIDUAL.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Consumer Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Complaint Against : Experian Information Solutions , Inc . 
Address : [ Experians Address ] XXXX XXXX XXXX XXXX Address : [ XXXX Address ] XXXX XXXX Address : XXXX XXXX Address ] Nature of Complaint : Inaccurate Reporting Across All Major Credit Bureaus Experian, XXXX, and XXXX have failed to update and accurately report information on my credit file. 
Despite submitting detailed evidence, including a " Paid in Full '' confirmation letter from XXXX XXXX XXXX dated XX/XX/year>, the credit bureaus continue to report inaccurate information about the account, showing it as unpaid or charged off. 
This ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. 
Failure to Conduct Proper Investigations When I filed disputes with each bureau, I provided : A police report. 
An FTC identity theft affidavit. 
The " Paid in Full '' letter from XXXX XXXX XXXX. 
All three bureaus failed to properly investigate or resolve the disputes, leaving my credit file in an inaccurate and damaging state. 
Harm Caused by Their Negligence The failure to correct my credit report has caused : Denial of credit opportunities. 
Emotional distress and financial hardship. 
Negative impacts on my creditworthiness. 
Details of Harm : I have suffered significant harm due to the inaccurate reporting, including : Credit Denial : Inability to secure credit or higher interest rates due to inaccurate information. 
Emotional Distress : The stress and frustration of repeated attempts to resolve this issue. 
Financial Impact : Lost financial opportunities and additional costs due to reduced credit access.

Requested Resolution : Immediate Correction of Reporting : Require Experian, XXXX, and XXXX to update my credit file to reflect the accurate status of the XXXX XXXX XXXX account as " Paid in Full '' and closed. 
Remove any other inaccurate or fraudulent accounts resulting from identity theft. 
Compensation for Harm : I seek financial compensation for the damage caused by the credit bureaus negligence, including lost opportunities, emotional distress, and financial harm. 
Preventive Measures : Mandate all three credit bureaus to implement stronger dispute resolution processes to ensure compliance with FCRA. 
Require credit bureaus to provide free credit monitoring and identity theft protection for two years. 
Investigate the Practices of the Credit Bureaus : Investigate why all three bureaus failed to properly investigate my disputes despite receiving substantial evidence. 
Require them to submit reports on their compliance with dispute resolution procedures under FCRA. 
Attachments : " Paid in Full '' letter from XXXX XXXX XXXX ( dated XX/XX/year> ) Police report and FTC identity theft affidavit Experian, XXXX, and XXXX credit reports showing inaccuracies Date : XX/XX/year> XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax Credit Bureau. This complaint is in regard to the unauthorized and unjust reinsertion of previously deleted items in my consumer report, a move that has not only damaged my credit score but has also brought significant personal stress. 
I filed CFPB complaint XXXX on XX/XX/2024 and CFPB complaint XXXX on XX/XX/2024. On XX/XX/2024 and XX/XX/2024 respectively, Equifax responded to the complaints stating they had deleted that the disputed items, however upon checking my consumer report today I notice some of these items are still being incorrectly reported on my consumer report. 

I hope that the CFPB will ensure a fair and prompt resolution and hold Equifax accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a used vehicle from XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. The purchase included an extended warranty with XXXX XXXX XXXX XXXX for a term of 24 months or 24,000 miles. On XX/XX/2018 the vehicle started presenting issues ( running hot ) and ceased working, and it was towed to XXXX XXXX. XXXX XXXX was unable to repair the vehicle and it was moved to XXXX XXXX. XXXX XXXX ran diagnostics on the vehicle and discovered the vehicle gaskets were nit working and the motor/engine needed to be replaced. An adjustor from XXXX did visit XXXX XXXX to estimate the damage and XXXX refused to honor the signed contract and pay for repairs on the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.