23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

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

I have credit inquiries on my account even though i did not apply for anything
Product: Mortgage

Around XX/XX/year>XXXX  my servicing company changed from SLS to Shell Point Mortgage. I noticed my payment increased to {$220.00} per month from {$170.00} per month. All terms remained the same, balance, interest rate and term did not change. I filed a formal written complaint on XXXX XXXXXX/XX/year> and XX/XX/year>. To date no explanation as to why this happened. The servicing company at Shell Point continues to collect the higher monthly payment. 

A simple amortization schedule or financial calculator will show my loan is going to " pre-pay '' 46 months early at this pace. This is not my desire to pre-pay, I want the lower payment.
Product: Credit card or prepaid card

ON XX/XX/XXXX Chase bank overcharged my credit card I paid twice XXXX for using service one time I continuously keep having problems with this bank I been scammed and they didnt take action my accounts been compromised no action I received a call from chase bank at XXXX last night they woke me out my sleep to ask me questions I cant even remember so now Ive been charged twice for same transaction XXXX is a company I used to reserve rental I rented with XXXX XXXX XXXX on XX/XX/XXXX and they calll me on XX/XX/XXXX I feel like Im being Frauded by bank and I need action taken not protecting my credit or money XXXX XXXX XXXXXXXX their policy is to protect our money and identity and they havent lived up to agreement I signed with chase I would like them to be fined and I would like to RECEIVE COMPENSATION FOR THE HARD TIMES IM ENDURING. Currently have XXXX IN LOWER BACK THAT CAN RESULT IN DEATH I HAVE XXXX DIAGNOSED AND I TAKE MEDICATION SO ALL THIS IS MAKING MATTERS WORSE I LIVE IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX
Product: Credit card

This complaint is an update regarding American Express who opened and REVERSED the conditional credit THREE TIMES. Please refer to COMPLAINT XXXX XXXX XXXX XXXX XXXX 
Last week I spoke with their Dispute person in Florida who agreed with me that NOBODY should stay in a motel like XXXX because of HEALTH HAZARD. 
TODAY, they reversed the conditional credit the THIRD time and sent this : " Dear XXXX XXXX We have an update on the {$1100.00} charge you disputed with XXXX XXXX. 
Merchant has provided the signed receipt and sufficient documents that shows before check-in you have inspected the room and found it as described and also offered the different room the next day. Merchant has no refund policy signed by you. However, at this time we can only suggest that you to try to resolve this matter directly with the merchant to reach a mutually agreeable resolution. '' I also contacted XXXX XXXX XXXX, the XXXX of AmEX office two weeks ago, and there is no response. 

As I mentioned before, the merchant 's policy is " Misrepresentation voids reservation '' ( please see this in the photo attached ). This must work for BOTH parties. The merchant misrepresented goods and services when I made this reservation and paid the deposit over the phone. Instead of a clean place, they give people a XXXX room. The alternative room they mentioned in a response was on the third floor, and there is no elevator. My XXXX XXXX XXXX could not endure the stairs. I had to leave the next morning. This was supposed to be my first vacation after the course of XXXX. I had no vacation. 

I protest the situation when AmEx takes the side of an unscrupulous merchant. This is a robbery. The motel robbed me of my vacation, and AmEx is encouraging the merchant to continue doing this. I have XXXX in remission, and I can not breathe BLACK MOLDXXXX which is EVERYWHERE in this motel ( please see the scans of other people 's reviews from XXXX ). NO healthy person should stay in this room either. What AmEx is doing is criminal. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is defamation of my credit reporting history please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX I request that you immediately investigate this matter and take appropriate action to correct the inaccurate information on my credit report by requesting the information be removed or corrected, as applicable. Debt was closed by opensky. debt was closed by capitalone Please contact me at the above address or phone number if you require any additional information regarding this dispute. Sincerely, XXXX XXXX XXXX XX/XX/XXXX Enclosure : Copy of Credit Report with highlighted disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Product: Debt collection

My bank account was seized on XXXX/XXXX/XXXX by Midland funding LLC. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted Midland Funding those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and Midland has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.
Product: Credit reporting or other personal consumer reports

This is my second time contacting Transunion fraud dept and special handling team about these inquiries on my credit report. I called on XX/XX/year> and talked to a representative about this matter and gave them the complaint number from the previous complaint from the CFPB. The agent lied and stated that the CFPB was phony, and it was not a real complaint. They lied and needed to be dealt with. They are not compliant and not following the rules of the fair credit reporting act XXXX Inquiry added on XX/XX/year>XXXX XXXX Inquiry added on XX/XX/year> XXXX XXXX  Inquiry added on XX/XX/year> XXXX  XXXX  Inquiry added on XX/XX/year> XXXX XXXX  Inquiry added on XX/XX/year> 2024
Product: Credit card or prepaid card

XX/XX/18- XXXX XXXX in XXXX , OH charged my card for my stay. This charge was held in pending status for 5 days so I called the credit card company on XX/XX/18, XXXX XXXX, and asked why it wasn't posting to my account. I need the charge to post to my account so I can submit it to my company for reimbursement. The credit card company- Synchrony- told me that the expiration date was not correct on the charge the hotel made. Mind you, 1 ) the hotel got an approval code for the charge 2 ) I've been using this card with the old expiration date for at least two months and they never stopped the payment from processing before ( the new card has the same account and a new expiration date only- I didn't realize the hotel did not have the updated information because they charges kept going through ). They told me, and I quote, " this charge will never post. '' I was advised to contact the hotel and tell them to reverse the charge and resubmit it with the correct expiration date- which I did. The hotel immediately processed a credit ( on XX/XX/18 ) and submitted and a new charge. Immediately after that, Synchrony posted the original charge so now I have two on my account! I've sent three emails to Synchrony- the first one has the attached credit and new charge documentation from the hotel with it. Instead of realizing their own mistake, they are treating this as a disputed charge and holding my credit hostage for up to two billing cycles! I did what they asked, they did what they said they would not do ( post a charge that they said they could not accept ), and now my account is a mess and I can not use it. This is the card I use for travel with my company. I have to start using another card because this one is now maxed out due to their error.
Product: Credit reporting or other personal consumer reports

I formally dispute the accuracy of my student loan information due to recent XXXX and FCRA violations, including unauthorized access to my records. 

Specifically, I allege violations of XXXX Unauthorized disclosure of my educational records to XXXX on XX/XX/XXXX., FCRA XXXX XXXX XXXX My credit report was accessed by XXXX XXXX XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA XXXX XXXX XXXX My credit report, containing my student loan information, was accessed by XXXX on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. 

I also invoke my rights under FCRA XXXX XXXX XXXX, demanding a reasonable reinvestigation within 30 days of the following disputed items : XXXX XXXX XXXX OF XXXX account XXXX XXXX These inaccuracies violate XXXX and consumer protection laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within 30 days detailing your investigation and corrective actions.
Product: Payday loan, title loan, personal loan, or advance loan

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

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

n accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

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 instruction.
Product: Mortgage

In 2006 ( approx ) we refinanced our home with what we did not know at the time was a predatory broker ending in a predatory loan. The company which we were refinanced with was originally XXXX XXXX but then we were shortly sold off to Select Portfolio Servicing ( SPS ). At the time we refinanced our home we were not in any financial difficulty. We had, and still have " XXXX '' credit. We were refinanced for more than the home was worth at the time and given a adjustable rate that we were told we would be able to refinance out of before it adjusted. We also were unaware that the company and agent we started with, XXXX XXXX at XXXX XXXX XXXX did a comp on our home and not a true appraisal, which is why they were able to give us the amount of money they did. We were unaware of this as we were first time military home owners. They also gave us an 8.625 % interest rate ; we had a 5 % interest rate when we bought and had the same credit ( probably better, at the time of the refi ) We have been turned down for refinances because the mortgage is not XXXX or XXXX XXXX backed and because we were forced to XXXX they look at this as a second home and not our primary residence. SPS has turned us down for modifications telling us to sell property and continue to pay. We have now opted to short sale as we have been XXXX two additional times, and my spouse is now going out of the country. We have not been late but there is no help for those who have not been late. This year we started the short-sale process. SPS has taken over three weeks to approve the offer and in their documentation they state that once they get all mandatory paperwork it will take 10 days for a decision. The buyers have now backed out of the deal because SPS is not giving us any updates. SPS assigned us to a Relationship Manager who we are never able to speak to, and does not return calls and does not speak to our Broker who has been working the short-sale. Each time we call we have to talk to who ever answers the phone though they say they have a division in the company that handles Short-sales we are't allowed to speak with them. We have rented out our home for the majority of the time we have been unable to live in it but suffered damages due to renter. The home has been on the market since last year, we have adjusted the price several times and now that we had the luck of a contract SPS has stolen this from us.
Product: Credit reporting or other personal consumer reports

Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX  Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX points. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood.

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE