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

I've been leasing Nissan Cars for almost 10 years and I'm a very loyal Nissan customer. 
Now I have a terrifying experience with Nissan Motor Acceptance Company LLC. 
I replaced the XXXX XXXX XXXX with the XXXX XXXX XXXX in the beginning of XX/XX/XXXX. 
The XXXX XXXX XXXX was returned in good condition with some scratches that can be easily polished. 
Then after the telephone conversation with Nissan Motor Acceptance Company LLC I realized that the car was damaged in many places and there is a bill. 
Nissan is overcharging me for scratches on the vehicle. 
Some of the images provided on the portal do not belong to the XXXX XXXX XXXX or had been made when the car was not in my possession, also the AIM Vehicle Condition Report has XXXX Odometer Reading ( what makes me think that accidentally the applause made several mistakes ).
Product: Credit reporting

CRA 's are required to verify the information with the furnisher, by employing " reasonable procedures to assure maximum possible accuracy of the information '' ( XXXX v. XXXX ) contained in the credit file, and they also must disclose that the account is disputed to avoid willful non-compliance with federal regulations. This has not been accomplished, and this account remains on my credit file, despite many inaccuracies, and lack of " ownership '' claimed by either XXXX or the debt purchaser, and despite fraudulent debt sale and collection practices employed by both XXXX and it 's debt purchaser. This account has been previously disputed through the CRA 's as unverified, inaccurate, and most likely fraudulent, yet mere " verification '' of the information already in dispute was offered by Experian, failing to satisfy the federal courts ' definition of a reasonable and meaningful reinvestigation. I 've disputed with XXXX numerous times, but they pointed me to the purchaser of the alleged debt, who had been PAID IN FULL for this unverified debt when moved to get a judgement and I gave in. 

Please also note that XXXX reported ( see Experian reports dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX ), that the original amount of the debt was {$600.00}, yet also reported that it charged off {$1700.00}. XXXX then sold this fraudulent debt to XXXX XXXX XXXX XXXX, who collected over {$2000.00} from me to avoid a pending Judgement. Notably, the original amount of {$600.00} was subsequently removed from the Experian report, leaving only the charge off amount. 

To date, neither XXXX nor the purchaser of this alleged debt was able to verify that I incurred the debt, and both claim that they do not report or conduct any other collection activity on this account, why then is it on my Experian report? Further, though you we 're advised that it is inaccurate, you continue to publish and update, yet fail to delete? 

My experience with violations of debt collection practice by XXXX ... is apparently not unique : XXXX
Product: Credit card or prepaid card

An unsolicited " XXXX XXXX '' Bank of America XXXX credit card was sent to me in violation of the law. 

Bank of America has cancelled the account and I have placed a freeze on my credit at all three reporting agencies. 

I am seeking a confirmation in writing from Bank of America that it did not - and will not - report the account to any credit reporting agency. I have spoken to 5 different customer service agents at Bank of America and was unsuccessful in getting agreement that they will send me that confirmation in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  had been removed from my credit report on XXXX and XXXX but not on Equifax and according to the FCRA all agencies must have the same and accurate information on the credit reports and thats a violation
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out i also own the XXXX XXXX XXXX XXXX and The XXXX XXXX. I am a victim of identity theft for the last 5 years or more. I have reported these issues to the IRS, FBI, WhitHouse, SEC, FTC, FCC, Various local law enforcement agencies with no resolve. This being said I bank with Bank of America and found that the bank has a XXXX XXXX XXXX attached to it in my name with my cryptocurrencies backing the monetary balance. The account has been hidden from me by the people stealing my identity. They have used a Federal Treasury Ledgers to control my account with every company and other accounting documentation to hold me back from access to my accounts an d monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, MI XXXX. Debt Collector came to my home asking for XXXX XXXX. When he was told that she does not reside here continue to pursue posting paperwork on my door. I asked him to remove it and he said no that he is doing what the court told him to do and this is the address they have and continued to be rude and still taped paper to my door. Then when I asked him again he told me to mail it to her and that she owed XXXX and they are trying to collect and they will take her to court and get a default judgement against her. Once again I am not XXXX XXXX have nothing to do with this debt and was treated rude and he disrespected me and my son and my home and told us all the information about who and what she owed and that she was being sued. I am requesting that this company, this man, this attorney office and anyone related to this company not come to my home again. I have the entire incident recorded on my XXXX alarm and on my cell phone. She does not live here and I want them to stop coming to my home.
Product: Debt collection

I owed a debt to  XXXX  ; they hired RMCB to collect the debt. The initial calls were with a very pleasant young man who honestly seemed as if he was trying to work with me. I made a payment with a credit card, let 's call it  XXXX , and attempted to set up a payment plan to pay the rest. The young man was so intent on my paying a settlement that he got a satisfactory amount approved throu gh his " manager. '' I  agreed and set up the payment with a different credit card,  XXXX , than th e one I  had used for my first payment. The payment was to come out  XXXX   XXXX ,  2017 . I called in to reschedule the payment to  XXXX   XXXX ,2017. The payment came out  XXXX   XXXX ,2017, but not on  XXXX , the card from which I authorized payment! They took the payment from  XXXX , for which I had not authorized payment. To make matters worse, I received the absolute nastiest letter on  XXXX   XXXX  that had been drafted  XXXX   XXXX  demanding payment. Remember, I had already made arrangements to make this payment on  XXXX   XXXX . All they had to do was wait 3 days before sending me the foolishness that they did. Very disrespectful!  XXXX  and other businesses need to know with whom they are doing business when they hire debt  collectors. Not a g ood look for any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX is inaccurately reporting a past due amount and balance of {$230.00} on my credit report for an account that has been charged off and resold to another creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections.

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have never given permission to furnish the information to XXXX XXXX XXXX Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized, unverified inquiries that is hindering me from being able to utilize my credit. Listed below will be the inquiries as well as date opened and the credit bureaus that it needs to be removed from according to the FCRA. 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam, Over the last 2 weeks I have both called and emailed ( on their website ), multiple times my mortgage lender MR. COOPER to inquire about refinancing. I have not heard any repsonse whatsoever which is unaccpetable. While I undertsand the call volume has increased, 2 weeks is more than enough time to respond. It is clear, the company is simply attempting to benefit from my current higher rate and preventing me from refinancing to reduce this. Moreover, it is horrible customer service to a current customer who has never missed a payment. 

I have a 800 plus credit rating and have already begun refinancing with two other lenders who have offered me 3.75 and 3.25 respectively versus my current rate of 4.125 with  MR. COOPER. 

I would like to file a formal complaint as this is highly unethical and simply poor business
Product: Debt collection

Mainland credit Ask intentionally reportedly reportedly falsely information on my credit report, attempting to collect a debt that they can not validate after I yeah, numerous times Ask for a validation letter receive noreceive. None and has reported Duplicate that debt on my credit report.
Product: Mortgage

I am on the National Do Not Class List and I have completed the Opt Out PreScreen so I do not receive unsolicited offers of credit. I applied for a refinance at my own company where I WORK AS A LOAN OFFICER and received a text from " XXXX '' at Mortgage One Funding thanking me for submitting my mortgage inquiry and that they were looking at my file. I responded that I did not submit an inquiry with Mortgage One to which they responded " Sorry about that! Have a good day ''. Upon looking up Mortgage One on XXXX XXXX XXXX, the only XXXX listed is XXXX XXXX XXXX XXXX # XXXX who is licensed to do business in XXXX states, not including the state of Kansas where I reside and the property in reference is located. I responded acknowledging this fact and questioned whether it was indeed XXXX and if not, that was extremely deceptive. I did not receive a response via text but XXXX minutes later I received a call from a nearby area code ( XXXX ) and when I picked up, I was told it was XXXX with once again Mortgage One. She asked questions and I decided to answer them honestly until she asked what I did for work and I stated I was a loan officer. She continued the 1003 asking my income until I said I'm not interested. I'm a Loan Officer myself and this is a trigger lead and deceptive. She immediately hung up on me. Once again, I decided to look at Mortgage One and on their website, there is no list of available Loan Officers. I could not find a " XXXX '' anywhere associated with their business and in XXXX XXXX, there isn't XXXX of the XXXX employees they have. I do NOT wish to be contacted from the Credit Bureaus selling my information against my wishes and I certainly do not appreciate it coming from an unscrupulous company that is causing damage to the very industry I work extremely hard to be in.
Product: Debt collection

I had stopped payment on a check for a service that did not happen. ( No show ) since the banks wouldnt cash it the person cashed it at a store because I guess they dont check. I saw a mark on my credit, which is usually perfect. I called to find out what it was. The debt collection agency told me it was a check I wrote to someone else. They could only collect from me since the guy who cashed the check is a fraud. I was upset obviously but not talking foul. The debt collector said if I didnt speak to him in a nice tone he could do worst and keep this on my report even though he first said he would remove it. I honestly can not believe companies can hurt you this way based on their personal feelings. This isnt even my debt but I was forced to pay it or impact my credit and because I didnt say please and thank you he may do worse now as he suggested. I was forced to pay a debt Thay was not mine.
Product: Mortgage

Altisource used its cozy relationship with pretender lender loan servicer  XXXX   XXXX   XXXX  as a weapon, using fraudulent trustee sale taking place in just days as a weapon to force me into only  XXXX  option to save my home from fraudulent trustee sale taking place in just days.  Altisource  illegally attempted to seize my home, using ocwen fraudulent records fraudulent documents fraudulent information fraudulent phony  XXXX  file fraudulent loan balances fraudulent past due payments. When my incompetent lawyer  TROs  was denied because my incompetent lawyer did n't serve all the defendants and follow the rules of the court, Ocwen then threatened me increasing the {$660000.00} loan modification to a none negotiable {$750000.00} modification using fraudulent documents fraudulent payment history fraudulent records fraudulent phony  XXXX  file fraudulent principal balances, threatening me that if I did n't sign the pretender lender loan servicers increased none negotiable loan modification settlement in  XXXX  hours  XXXX  and  Altisource  will proceed with the fraudulent trustee sale taking place in just days. I was forced to sign the pretender lender loan servicers increased none negotiable loan modification to avoid fraudulent Altisource trustee sale and I would I lost my home forever. I have filed multiple consumer complaints.  XXXX  robo-starr continues to cover up its fraudulent fronts and totally ignores all my complaints, and  XXXX   XXXX  continues to threaten me with foreclosure.
Product: Mortgage

Back in XXXX of XXXX my mortgage company XXXX XXXXXXXX XXXX sold or transferred my mortgage loan to Shellpoint Mortgage Servicing of XXXX, Texas with out notifying me. At that time I was 3 payments behind on my mortgage and struggling to catch up on my payments. On XX/XX/XXXX I received a intent to foreclose letter from Shellpoint Mortgage which was dated XX/XX/XXXX. I immediately called Shellpoint custome rservice to inquire about this. 
A service rep by the name of XXXX XXXX instructed me that Shellpoint Mortgage Servicing was intending to foreclose on my home. I told him that I would be receiving some money before XX/XX/XXXX to make the past due payments of around {$9400.00}. XXXX XXXX told me that would be ok and would prevent my home from going to foreclosure ... On XX/XX/XXXX I received the money needed to get my mortgage payments caught up. I then called XXXX customer service to make a phone payment. The rep told me that my home was in foreclosure and she would have to call me back with the past due amount to reinstate my loan. Two days later, I was told my Shellpoint that the amount needed to reinstate my loan would be around {$14000.00}. I was 4 payments past due plus foreclosure fees of about {$2800.00} due to XXXX XXXX, XXXX. I complained but made the payment of around {$14000.00} via the phone. On XX/XX/XXXX I faxed and emailed a dispute letter to Shellpoint Loan Mitigation Dept concerning this matter and requested that they reimburse me the {$2800.00} in foreclosure fees they paid to XXXX XXXX, XXXX. I finally received a certified reply letter from Shellpoint Loss Mitigation on Saturday XX/XX/XXXX denying my claim. Since my loan was reinstated in XXXX, XXXX, I have not missed a payment, Last week I received my XXXX mortgage statement via regular mail stating that I had an overdue payment of {$950.00} plus my monthly payment of {$2200.00} for a total of {$3200.00} that is due by XX/XX/XXXX. I called Shellpoint customer service automated payment line on XX/XX/XXXX to make my payment, they stated that the amount due was {$2200.00} which I paid from my bank account. Later complained to the service rep about the additonal {$950.00} for title fees, which was new to me. Service rep said there was nothing that could be done about it. Appartently, these were additional fees they tacked on from the foreclosure. Please help me. Shellpoint is trying to get me back in foreclosure. My Loan # is XXXX.
Product: Student loan

I've disputes this account several times with the bureaus and with the Federal department of Education as well with their collections agency Coast Professional Inc. They've ignored my request for payment in exchange for the original document of indebtedness in its original form. They have failed to validate the loan, they have sent me letters with balances and not an acceptable form of validation or verification that the loan was indeed mine. I was sent from Coast Professional Inc a wage garnishment notices together with a hearing request which I sent all the form back with all my information and a request to have a phone hearing scheduled and yet AGAIN they have ignored my requests.
Product: Credit reporting or other personal consumer reports

My identity was stolen while I was XX/XX/XXXXfrom XXXX XXXX, until XX/XX/year>. During my XX/XX/XXXXfraudulent accounts, unauthorized inquiries, and false personal information ( addresses and employment history ) were added to my credit report without my consent. 

Since my release, I have disputed these fraudulent accounts multiple times with Experian, Equifax, and TransUnion, providing supporting evidence, including : My FTC Identity Theft Report ( Report # XXXX ) My Release from Prison documentation A copy of my government-issued ID Proof of my correct address Highlighted credit reports showing fraudulent items Despite submitting these disputes, the credit bureaus have failed to properly investigate and remove the fraudulent information, violating Section 605B of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), which requires them to block fraudulent information within four ( 4 ) business days upon receiving an identity theft report.

Additionally, I have discovered that the CFPB is currently suing Experian and Equifax for sham investigations, which aligns with my experiencethese bureaus are refusing to conduct a proper review of my dispute.

How This Has Affected Me 1. My credit score has been negatively impacted, affecting my ability to obtain housing, credit, and financial stability.

2. I have been held accountable for debts I did not create, including collection accounts and charge-offs that I never authorized.

3. My personal information is incorrect on my credit report, listing addresses I have never lived at and an employer I have never worked for ( XXXX XXXXXX/XX/XXXX). 
4. I have spent months trying to resolve this issue with no success, despite following proper legal procedures.