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

In XX/XX/XXXX i sent a check for insurance repairs to Flagship Credit as I was unable to make the repairs due to Covid pandemic and I was unable to make my payments as i had lost hours and my husband had as well. I sent the check with the instructions to catch up my account and put the remaining balance towards my principle. When i called to verify they had received my request and my check, the agent informed me that they had received it but could not do as i asked as the check was expired. They stated to contact my insurance company to reissue the check and then they would proceed with my request. They granted me an extension. In XXXX they called stating i was behind. I explained the situation and that i was working to get a new check. I made a payment on XX/XX/XXXX for my XXXX payment. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days. Once i was home and more aware, I contacted my insurance company and they advised that Flagship had cashed the check on XX/XX/XXXX. I contacted Flagship and advised them of the information. I began making my payments again on XX/XX/XXXX and have made a payment every month since. It took Flagship until XX/XX/XXXX to apply the check to my account. They had been reporting me as delinquent since XXXX. I spoke with an agent and advised of the situation. She stated they could not apply the check to my past due balance. I told her that i was told it would be taken care of when i sent in my new check but in actuality they had cashed my check and held on to my money without ever applying it to my account or informing me that they had cashed it. I have asked several times to speak to a manager. I have spoken to agents each month and advised that i am not delinquent as they had the money but refused to apply it to my account. I have been told that it would be sent up to a manager and fixed and it is still not fixed. They have reported me delinquent every month. On XX/XX/XXXX i received a letter stating they would repossess my car if the delinquent balance was not paid by XX/XX/XXXX. I have made my payment every month except XXXX when i XXXX XXXX XXXX. I am not paying the delinquent amount when they held a check for {$5000.00} for 4 months. I have tried to explain the situation. I have disputed with the credit bureau.
Product: Debt collection

I paid XXXX  and I pay them monthly this is for XXXX  for which I'm paying
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, Transunion and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Product: Debt collection

Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.
Product: Credit reporting or other personal consumer reports

I recent obtained a copy of my credit report and noticed a fraudulent account. Please remove this account it is stopping me from obtaining credit.
Product: Mortgage

XX/XX/XXXX In XX/XX/XXXX, Vystar XXXX XXXX XXXX sent me a notice that they did not have a record of our Homeowner 's Insurance for the XX/XX/XXXX - XX/XX/XXXX period. I immediately called the company and asked what needed to be done and had our XXXX XXXX send Vystar our declarations page for XXXX 's XXXX. 

Vystar had also, in the meantime, force-placed insurance and charged me late fees for not paying the insurance. Which should not be completed as they are a second lien holder. I asked for all this to be removed and for my credit report to be updated accordingly. The first two items were completed, but not the third. 

Enter XX/XX/XXXX. Our Homeowner 's Insurance was written with a new company and the first installment of {$740.00} was paid on XXXX XX/XX/XXXX ( see pdf attachment with confirmation of payment on date ) and cleared our checking account XXXX XX/XX/XXXX. VyStar was added as the Second Lien Holder for this policy and our Insurance Agency sent the new declarations page to Vystar and our First Mortgage holder. Vystar stated they did not receive this. I sent the new declarations page to them multiple times over a month and a half period ( ranging from XXXX XXXX - XXXX XXXX ) before receiving a confirmation that they did receive this policy ( XXXX XXXX ). 

Now, today, XXXX XX/XX/XXXX, I receive a letter from Vystar dated XXXX XXXX stating they paid our Homeowner 's Insurance for the XXXX term. This is incorrect for multiple reasons. 
1 ) We have not escrowed our homeowner 's insurance or property taxes.

2 ) Vystar is a second lien holder and as such they would not be in the place to pay an insurance policy or taxes.

3 ) They were not authorized to pay our Homeowner 's Insurance.

Lastly, this company will now charge further late fees, want to collect back money they incorrectly distributed to our Homeowner 's Insurance company, and they will report this HELOC as late to the Credit Bureaus with is further incorrect. 
My interactions with them ( contacted them well over a dozen times ) prove to be fruitless as I get transferred around, placed on hold, sent to voicemail and my messages are returned days/weeks later and that person is not willing to solve the issues. 

I am need of some clarity/resolution by CFPB due to their incompetence as a bank. Thank you. 
XXXX XXXX.
Product: Vehicle loan or lease

I 've made numerous attempts to request assistance from XXXXBMW Financial Services NA LLC. to work with me in getting my auto loan reduced. The first attempt to seek assistance in reducing the note created an inflated car payment. Thereafter, I made several calls and was left on hold for lengthy periods of time. I sent emails however no one would responded. The final solution was to surrender the vehicle. I mailed letters to XXXX and BMW and submitted a complaint to Consumer Financial Protection Bureau Complaint # XXXX. A XXXX XXXX with XXXX XXXX XXXX submitted a letter of response to my complaint online only nothing was ever mailed to me. I made several attempts to get in touch with XXXX XXXX but was not able to speak directly with her nor anyone in her department. Therefore, the response sent was never honored. Instead XXXX/BMW sent CARS, a repo company to harass residents at the address listed on file. I spoke directly with a gentlemen name XXXX who agreed to cease and desist in an effort to follow up on XXXX XXXX regarding the letter. There has not been a successful resolution to the auto loan instead BMW representatives have sought legal counsel to file a lawsuit. Case # XXXX in Superior Court of California , County of XXXX. XXXXBMW. This company makes it is difficult to contact a representative in authority to work out a solution that will allow consumers to honor their agreement with XXXXBMW.
Product: Credit reporting or other personal consumer reports

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with Fair Credit Reporting act 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 .

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. States : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am filing a complaint as Capital one is having technical difficulties and has yet to release my funds to me or any other deposit that may have come through. My direct deposit was supposed to hit my account on XX/XX/year> in the morning. I was emailed last night XX/XX/year> at XXXX that they were investigating and the funds would be available this morning and still arent XX/XX/year> at XXXX. I am waiting for a direct deposit from my job for {$350.00}.
Product: Money transfer, virtual currency, or money service

I received an email from PayPal alerting me to an invoice for {$500.00}. 
I immediately contacted PayPal. 
They told me theyre aware of this scam. 
Yet, I received this charge. 
I can forward the email to you upon request. 
XXXX hours after speaking to PayPal, I received a text message thanking me for the gift for XXXX XXXX, I dont know a XXXX XXXX XXXX I didnt open the text, I have a screenshot of the phone number.
Product: Money transfer, virtual currency, or money service

I had a total of XXXX dollars stolen from my account through a fake check scam and I reported it the day the majority of the fund was being transferred ( XX/XX/2021 ) it occurred through XXXX
Product: Student loan

Borrowed student loan funding from Navient back in XX/XX/XXXX for my sons pursuit of a degree from XXXX XXXX  University. I believe Navient placed me in a risky and expensive subprime loan. The loan doubled in principle as I experienced hardship in the economic downturn in XXXX. I was lead by Navient to multiple forbearances that incresed to overall cost of their loan, instead of telling borrowers who did finally obtain repayment plans costly and un-affordable increases to their payments. In the end, I have been forced to repay far more debt than actually owed.
Product: Checking or savings account

I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to ACIMA DIGITAL FKA SIMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ACIMA DIGITAL 's customer service representative.
Product: Checking or savings account

Bank of America reported fraud and sent something to XXXX XXXX and now I can't get an account. I haven't done anything like that. They closed my account for a check I deposited and still cashed the check and gave me the money. Then reported me to XXXX XXXX. It wasn't fraud and not sure why they even said that.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of several items on my credit report as required under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ). These items are inaccurate, incomplete, and/or unverifiable, and I am demanding their immediate removal to ensure compliance with federal law. 

Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information in consumer reports is 100 % accurate and verifiable. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), any disputed item that can not be verified with documented proof from the original creditor must be permanently deleted from my credit file. 

The following accounts fail to meet these legal requirements and must be removed immediately : 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 Demand I am exercising my rights under the FCRA to demand the following : A full reinvestigation of the disputed items, including direct verification with the original data furnisher. 

Copies of all documentation you used to verify the accuracy of these items. If you can not provide such documentation, the law mandates that these items be permanently removed. 

Immediate deletion of any item that can not be verified within the legally required XXXX time frame. 

Failure to comply with this request constitutes a violation of federal law, and I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also consider legal action for willful noncompliance under 15 U.S. Code 1681n, which allows for statutory damages, punitive damages, and attorneys fees. 

Please provide written confirmation of your actions regarding this dispute within 30 days of receipt of this letter, as required by federal law. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a loan from Speedy Cash in Colorado, due to losing my job behind XXXX my mother 's death my father 's death and my brother 's death I had problems paying the loan back I tried to make payment arrangements which were denied on XX/XX/XXXX a lady showed up at my door and served me court papers to appear on XX/XX/XXXX at XXXX at XXXX demanding XXXX plus XXXX court cost. Asking a total of XXXX from the court. I sent the attorney a email asking to set up payment arrangements with what I can afford with dates ect. They stated I owe XXXX and if I could not pay in full prior to XX/XX/XXXX that then they would set up pay arrangements after I send in paystubs name of employer, pay periods and dates paid .Once I send that, they will send me a stipulation. And I have 24 hours to respond otherwise it voids.I called courts and in fact there is not a civil judgement filed against me so no court date ect. Plus denied my pay arrangement served me false court papers on Sunday XX/XX/XXXX. I also called loan company trying to make arrangements to pay and was told to contact the attorney It's also on my credit report as open account. I have tried to make it right with failed attempts. Now I'm being lied to and scared being served false summons to appear at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX my XXXX XXXX cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her XXXX. I am in XXXX. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- XXXX ending XXXX and XXXX XXXX ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within XXXX  hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX XXXX XXXXXXXX  reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud  operator. Initially I received an email reassuring me of the XXXX guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my XXXX and XXXX XXXX cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! 
Thank you, XXXX