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

This is my third complaint. The previous complaint was regarding the inability to receive a letter from Nissan stating my car account was paid and up to date. My ex-wife did not pay the car for three months and I was never informed by Nissan. I went to apply for a loan with XXXX XXXX and it provided a letter stating that I was able to purchase. I am currently under contract to purchase a home but I can not because I can not get a letter from Nissan stating that my account is current and the current balance in order to re-score my credit. My credit score dropped from the 700s to the low sixes due to the late payment. Three different Nissan customer service agents said that I could not get a letter until after 21 days had passed my XX/XX/XXXX payment in case I " withdrew '' the payments. I received a letter from Nissan on XX/XX/XXXX and the credit bureaus stated the letter did not provide the current balance and they could not re-score my credit. I just called Nissan and was transferred to another department. When I was speaking with the agent along with my loan officer, XXXX XXXX, the agent said that Nissan 's loss recovery department could not provide a letter at all because my ex-wife filed a bankruptcy in XXXX!!! This is totally different than my experience with the other customer service agents. They never said anything about my ex-wife 's bankruptcy. I requested to be transferred outside of loss recovery and the agent refused and said that her supervisor could not come to the phone because she was busy!!! I don't know if Nissan now flagged my account because I made a complaint with the CFPB and will now cause me problems in the future. I need a letter NOW from Nissan stating that the account is current and the current balance due. It is ridiculous that I need to make three complaints in order to get an accurate and satisfactory letter from Nissan. If they are doing this to me, they must be doing this to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Product: Debt collection

Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. 

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

Hi I am submitting this XXXX A XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 n 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I applied for the Barclays XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I was approved for this card ( ending in XXXX ) and received it in the mailer a few days later. It has now been over XXXX months and my account is still frozen and I have been unable to use my card ( or even activate it ). In the meantime, Barclays has charged me the annual fee of {$99.00} and my credit report shows that I have an unpaid balance on this credit card account. 

I tried activating my card online ( per the instructions in the card mailer ) but was unable to do so. Upon calling Barclays customer service, I was told that I needed to verify my identity by faxing certain documents. I faxed these documents ( SSN card, driver license, and utility bill ) on XX/XX/year> to the number provided but was still unable to activate my card after more than XXXX weeks. After again calling Barclays Customer service, I was informed that they had not received a copy of the reverse side of my SSN card and I should fax it again. I again faxed both sides of my XXXX card on XX/XX/year> to the number provided. It has now been another 10 days and I am still unable to activate my card. It appears that my account is still frozen. 

Throughout this XXXX month period, Barclays did not reach out to me with any communication ( email, phone, or paper ) informing me that my account was frozen. They however did not have any trouble reaching out to me over email to let me know that my credit card annual fee was due. 

My account also shows an unpaid balance ( the annual fee of {$99.00} ) which has potentially had a derogatory effect on my credit report. It is wrong for Barclays to charge this annual fee when they have placed a freeze on my account as a result of which I haven't been able to even activate the card, forget using it. I was also unable to log into the Barclays online portal to pay this fee since Barclays would not let me create an online account due to the security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXX XXXXXXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed sleep medication to help deal with my anxiety about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my anxiety and XXXX.
Product: Debt collection

I have been disputing this unverified account with the collection and Credence resource has not sent me any proof. On XX/XX/2019 I mailed out a letter requesting proof the and had no response. I called credence resource on XX/XX/2019 and the lady that answer would not answer my questions. This debt is not mine and they just don't want to corporate, its an error on there behalf. They have me confused with someone else and it is not right.
Product: Debt collection

Collection agent : AARGON COLLECTION ACCOUNT # XXXX According to the FAIR CREDIT REPORTING ACT, section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report or remove the accounts from my credit report.I am NOT asking for a bill or an invoice of a bill of this alleged debt.
Product: Credit reporting or other personal consumer reports

Company sent generic letter saying accounts are verified and updated but no information was updated or changed. I received no documents on what was investigated to update the account, and the account information is still inaccurate. Last activity dates, balance, annd payment dates are incorrect and inconsistent with each bureau. Accounts show closed but still has balance.
Product: Credit reporting or other personal consumer reports

Walking around issue continues to avoid just unlocking my score or updating my information
Product: Debt collection

I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt. 

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.
Product: Consumer Loan

Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Product: Money transfers

I was notified b y Paypal o n  XXXX    XXXX   XXXX   that my account had been limited '' what in our experience is usually high risk ''. I called  Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that  Paypal  can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on  XXXX   XXXX    XXXX  , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used  Paypal  when   XXXX   or  XXXX . I spoke with another gentleman on   XXXX   XXXX   XXXX     who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed.  XXXX  ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all  Paypal w ill tell me is to high a lawyer.
Product: Debt collection

I returned a call from XXXX with Starmark Financial on XX/XX/year>. I first left a voicemail explaining to send me debt verification and purchase agreement to prove they own the debit and that I should be taking with them. I said once I review that I would talk and work with them with a payment plan assuming its owed. I also requested them to stop harassing my ex mother in law for info on me and my ex wife. 

XXXX called back immediately after I hung up. He had not heard the voicemail I left. I spoke to XXXX and explained that I would be happy to talk with him about my debt once he sends the debt validation info with the purchase agreement. He said we have sent info via email many times and you have opened. I said maybe I'm not sure but what I am asking for now is for you to mail me that info for review and then once reviewed I would work with him and company if valid. He said no we have emailed it. He asked why I stopped making payments, I said I had financial issues w some debit and was needing to put food on my table. He scoffed and said that is not good enough reason. This wasn't a gift, was it. I said no I understand that. So again, what is reason. I explained my reason stands that I need to food for family. Again I get Im not happy about not paying but and willing to work things out but his service customer service, tone, talking down to me was repulsive and I just said I am done w this conversation. Per his opening this was recorded so there should be a copy of this conversation. He was very combative. Maybe I was to or became that, but I was getting no answer about my right to have info mailed to me for review. 

I then immediately sent an email to that company asking for management to reach out to me to discuss this. 

The tone and talking to me like that when I am obviously struggling w bills since not paying that one was just so rude. 

Why is everything done via email, I dont look at all emails, spam gets some, he said they have mailed before but I dont have it or didnt see and so why is it so hard to mail the info I asked, what are they hiding. Do I not have that right for the info?
Product: Bank account or service

I have a joint checking and a personal checking account with BBVA Compass bank. I withdrew cash from my personal checking account, and bought a Cashier 's check ( check # XXXX ) for {$900.00} from the XXXX XXXX branch of BBVA Compass Bank, on XXXX/XXXX/16. 

On XXXX/XXXX/16, the check was lost, and I immediately called the branch I bought it from. I was originally told that I 'd to call customer service in Order to stop the payment, as the representative made a research and said it has n't been cashed or presented yet. 

I called the customer service number behind my debit card and I was told by the representative that the Balance & Control Dept was closed as at the time I called. I called the next day, and I was told by the Balance & Control Dept that I needed to step into a Branch, in order to be able to stop the check payment. 

XXXX I immediately left the hospital and went to the same branch I purchased the check from. I was told at the Branch that I needed to go look for, and buy a Surety Bond. 

I was n't made aware of this when I purchased the check. This check has been verifiably said at the branch that it has not been cashed. A Surety Bond cost {$1100.00} for a {$900.00} check. 

This is a voluntary malpractice on the part of the bank, wasting time on a lost cashier 's check that has n't been cashed yet, requiring a bond that was n't made aware to me at the time of purchase.
Product: Debt collection

I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. 
So because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00}
Product: Credit reporting or other personal consumer reports

For the past few weeks I have been unable to get my Transunion consumer report from annual credit report website where I am allowed to get my free consumer report once a week. I enter my information and I keep getting a message saying Transunion is unable to verify my identity. I have been pulling my Transunion consumer reports weekly for the past 3 years and I have never had an issue with my identity being verified. Last month I sent a dispute letter to Transunion which included my government ID and a utility bill which verifies my address. Several times I have called Transunion and they verify that the information they have on file is the same information I am inputting into the annual credit report website when I try to get my consumer report. I have spoken to several reps who have stated that Transunion has nothing to do with annual credit report website which is not true and they also said that I am only allowed to get one free report from annual credit report per year which is also not true. This has been a very frustrating situation and all I want is for Transunion to simply fix this issue so I can pull my Transunion credit report as is my right. I have no issues pulling my XXXX or XXXX reports from annual credit reports website so clearly there is an issue specifically with Transunion. I need this issue to be fixed ASAP. I dont want to have to get one mailed to me. I want to simply be able to go to annual credit reports website and pull my Transunion report. There is absolutely no reason why they cant verify my identity. This seems to be intentional at this point. I sent in the necessary documentation for them to easily verify my identity. I need this issue fixed ASAP. I have attached a screenshot of the message I continually receive when I attempt to get my consumer report.
Product: Credit card or prepaid card

Capital One Bank Change my payment date from the XXXX XXXX of the month to the XXXX of the month I called them back in XXXX and was spoke to them and explain to them I wanted to keep my same date in which they told me they system updated and my new date is on the XXXX now. then we discussed putting it back to the XXXX and the customer service person got me a supervisor in which she stated it could be on the XXXX of the month. Have called back they claim I did not talk to no one. I called Capital One Bank 2 times was on the phone for over 35 minutes with this issue and called a second time same thing longer conversation. Also was told back in XXXX I would receive a letter as proof both times and have not received no such letter of the payment being on the XXXX XXXX of the month I also have my printed out phone bill showing the length of the said phone call. I also
Product: Credit card or prepaid card

On XX/XX/2022 I noticed 2 fraudulent charges on my Ulta Comenity credit account for approximately $ XXXX ; one in XX/XX/2022 and one in XX/XX/2022. I contacted Ulta Comenity to speak with an agent. When I reached the agent, he said he was going to connect me to the Fraud Dept. but hung up on me after I waited almost an hour on the phone. I tried contacting the agent again, with no success, so I sent 2 messages. One message asking to freeze the account for any new purchases, and one to ask about recovering the money for the fraudulent charges. They replied by telling me to contact their Fraud Dept. by phone. This was very frustrating. I have frozen the account for any new purchases, I have reported the card stole, but now I can not access my online account to make a payment on my remaining balance. Please help me!!