23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX XXXX OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit card

I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both Equifax and XX/XX/XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.
Product: Credit reporting

I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a collection account was placed on my credit report by Experian on XX/XX/XXXX by a debt collector XXXX XXXX XXXX. I was previously contacted by XXXX XXXX XXXX in XX/XX/XXXX for a debt that did not belong to me. I contacted XXXX XXXX XXXX personally at their call center and verified that they have the wrong person. They were unable to validate any account or provide any signature at my request. I sent them a cease and desist letter via certified mail with return receipt on XX/XX/XXXX. In response to my cease and desist letter, the debt collector placed a fraudulent and negative account on my credit bureaus report. Prior to this my credit score was over XXXX and I have no negative entries on my credit, nor do I owe any money to this debt collector. I have asked the Credit Bureau Agency to remove the fraudulent account and this has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX. 
XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.

As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!
Product: Money transfer, virtual currency, or money service

Money transfer initiated on XX/XX/2021 To this day, money has not been credited to the beneficiary 's account In desperation, I requested a " recall '' of the monies - around the end of month in XXXX, XXXX  To this day, the money has not been credited back to my account Case Number : XXXX XXXX XXXX XXXX Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 U.S.C. 1681 ( I ) of the FCRA. On XX/XX/2022 I disputed the following account with TransUnion : XXXX XXXX/DOCKET NUMBER XXXX. After receiving no response from TransUnion I filed a CFPB complaint ( case number : XXXX ). On XX/XX/2022 TransUnion responded with an erroneous and improper response, in fact they also added other disputes that were not included in my complaint. I also received a stall letter from TransUnion on XX/XX/2022 stating ; they were unable to determine the nature of my request or my request was ineligible. HOW CAN THAT BE BE WHEN THEY PROVIDED THE CFPB WITH AN ERRONEOUS RESPONSE? Attached is proof that TransUnion failed to do an investigation and violated 15 U.S.C. 1681 ( I ) of the FCRA. TRANSUNION CONTINUES TO PROVIDE FALSE INFORMATION TO THE CFPB AND AND CONTINUALLY FAILED TO DO A PROPER INVESTIGATION AS THEY ARE REQUIRED UNDER THE FCRA FOR THE FOLLOWING ACCOUNT ; XXXX XXXX XXXX/ DOCKET NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit account opened under my social security number. And the credit line was maxed out. Opened on XX/XX/XXXX and was only just notified that it was on my credit report today. XX/XX/XXXX.
Product: Credit reporting

Company stated my information was not specific, I sent additional Documents on XXXX, including Police Report, Affidavits, also notifying Equifax not to respond to me by email but company continues to do so. company sent letter stating they will not comply to CFPB guidelines.
Product: Credit reporting or other personal consumer reports

I have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Sales Financing
Product: Checking or savings account

I signed up with US Bank with a promo code sent to me via mail. I used said promo code when creating the checking account needed. I took a screenshot of this process. 

The promo was to gain {$300.00} for direct deposits totaling {$5000.00} - {$9900.00} within 90 days. I opened the account on XX/XX/XXXX with a funding deposit of {$25.00}. I proceeded to have direct deposits of {$850.00} from my employer on XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX. XXXX deposits of {$850.00} makes a {$5100.00} total deposit. This was also clearly done within 90 days yet I received no reward. 

I contacted US Bank via chat on XX/XX/XXXX about this. They confirmed that I met the requirements and that a request was being submitted to review my account and contact me with a determination. I was told to wait XXXX week for a result. Time passed with no contact and no notice of a decision. I called US Bank with the same inquiry. The representative again said that I met all requirements and that she would put in an acronym I can not remember to basically do the same thing as the chat representation : research this issue and get back to me. 

To date, I have not received the cash reward. It appears US Bank does not want to fulfill their advertised terms.
Product: Debt collection

XXXX XXXX is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to capital one, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto XXXX when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX  va XXXX
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$500.00} Other Identity Theft Company or Organization : XXXX  Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$4100.00} Fraudulent Online Shopping or XXXX Account XXXX or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$5000.00} XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Information on Credit Reports Other Identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date fraud XXXX : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$1900.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I purchased a home using Va guaranteed loan in XXXX, in XXXX my business was struggling, I filed bankruptcy, I kept the home, I didnt reaffirm the loan, only due to not being aware of it being an option, I tried modifying the loan a few times between XXXX with a lot of troubles. After the discharge Wells Fargo would only talk to my attorney, take my payment and that was it. My attorney was done with the transaction, in XXXX I put the house on the market, I had several offers that would bring in right at pay off. Wells Fargo, still not talking to me, I had to bring my attorney in again, stalled and refused some deals eventually taking a below loan payoff and too my whole Va entitlement. I dont believe that they were fair at all in the process and I have struggled ever since, I saw that they had the settlement going on, and tho mine wasnt foreclosure they didnt I felt it would of if they didnt get the Va entitlement. I tried working with them and. They wont work with me.
Product: Credit card or prepaid card

I ordered 2 pair of shoes from XXXX last month both pair of shoes was supposed to be delivered a day apart one pair on XXXX and other on XXXX so on the first day I got notification that my shoes was delivered however I never gotten them so I looked at my XXXX footage and seen that they was delivered to wrong address so I contacted XXXX first whom wasnt any help then XXXX the company who delivered them I was told give it to end of business day and see if its delivered because sometimes they mark packages as delivered and havent been. However I also told them I see it was delivered to a different address still no help so I mentioned that the next day I have another delivery from same shipper and can they make note or let dried know to pay attention to address because of delivery error. However next day same thing so I called again was given sane information and told to file a dispute through XXXX in two days XXXX denied claim telling me to contact XXXX I then contacted XXXX I provided pictures and video footage of this guy delivering my pages to wrong address. They told me to dispute it through my bank however I did do that as well and I provided Chime financial with video and photos the denied my claim I asked for a denial reason when nobody contacted me for proof I provided what o had on my own they never stated if they received it or contacted me to ask anything but denied my disputes and wont provide a reason I also filed rebuttals and havent heard anything. How can I provide proof of pics and video of whats happening and still be denied I couldnt go outside to get or check for packages I had just been released from hospital after having XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX Im home alone during the day my husband went and asked neighbors after getting home in evening and they denied seeing packages. Why was my dispute denied, why wasnt a provisional credit ever issued, why nobody ever contacted me on it and why wasnt I given a response for denial?
Product: Debt collection

I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX 2016 I went on XXXX to pay a vendor with my credit card. I entered my credit card info and assumed that {$1100.00} was put on my card. What I found out 10 months later was that, without my knowledge, they enrolled me in a 6 month no interest promotion. I did n't receive any bills until after the promotion ended and then was hit with all the interest. They will not remove the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card

I got an offer for XXXX Amex points after spending {$20000.00} in 3 months on the Amex Business Platinum card. A week after receiving the card, Amex replaced the card because there was an issue in their system with the card number. I then met the spending requirement on the new card they sent me. The bonus never posted because of a glitch in their IT system. I opened a case with Amex and I was told I would get the bonus but I still never got it. ( The XXXX points I currently have are from my other amex cards )
Product: Vehicle loan or lease

( Never received a response ) XXXX XXXX, I am trying to reach Consumer Affairs and was unable to find an email address. I do plan on calling as well. 
However, I am hoping you will be able to answer my questions and help to rectify discrepancies. 
**I will be sending the attachments separately as your email is telling me you can not receive just two attachments, that the files are too large. 

I recently purchased my lease, and while I am aware of the general fees to expect, there are some that I feel are NOT transparent. 

First off, my residual value was very clearly stated. I provided the letter via email ( weeks before ) stating the buy out price before I came into the dealership. I also asked the finance manager twice for a breakdown of the fees that would be included so I could review BEFORE I arrived. Naturally, that did not happen, not to my surprise at all. The amount in my letter states the buy out price at {$14000.00}. 
Yet somehow a phantom fee of {$370.00} was added onto this price, making it {$14000.00}. 

What is this fee? I was not provided with an explanation or given solid reasoning. 

I also went through my initial lease paperwork and not only were additional fees to the buy out price not disclosed, it also specifically mentions that is the agreed upon buyout price between dealer and consumer. 
The Consumer Leasing Act requires that all the terms of the lease, including anything you must pay, be disclosed in the initial lease agreement. That also includes any sort of buyout provision at the end of the term. If it is not in the lease, it can not be charged. 

I want a full explanation of why I was charged the additional amount ABOVE the buy out price, which is actually illegal as I mention above. 

I also see the VSI premium fee of {$95.00}. It is specifically stated that is not to be included in the total amount of the loan. 
Lenders are required to disclose information related to VSI insurance to buyers before the point of sale ( was not disclosed ). In addition, VSI must be calculated as part of the finance charge and included when estimating the loan 's annual percentage rate ( APR ). However, the cost of VSI insurance can't be factored into the total loan amount being financed by the borrower ( it was factored in ). 

I am prepared to pursue this futher, but I am giving you the opportunity to address this first. 
I don't care if it is {$100.00} or {$1000.00} in fees, poor business practice is wrong. I don't think continuing to lose customers is worth it. It will cost more in the long run if customers continue to share their negative experiences deterring others from returning to Nissan dealerships. 

Please respond back ASAP as I will move forward with these issues should I not hear back. 

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

Reporting false information that I have 9 points on my licenses