23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.
Product: Credit card

Though I opened the credit line at Dillards store, with forced promotions, I did a purchase with this line only the day of opening. Then after a bunch of transactions were made on this account without my knowledge. My credit limit was {$300.00} when I opened it, then after changed to {$900.00}. And it says only in store purchase. I didnt even received my credit card. As I seen from the sent statement to me, about {$7800.00} was used within a month. I called my creditor multiple times after I received alert that my credit had charged with multiple transactions. When I called them even they couldnt pull out my account with my phone number, except with my social security numbers. Though I disputed multiple times I do not see any changes on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

o whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX XXXX.
Product: Debt collection

As the CONSUMER I have contacted United Resource Systems , INC. and all 3 Credit Bureaus multiple times about validating an alleged payment they say I owe using certified mail XX/XX/2021 Certified Mail Receipt Record # XXXX XX/XX/2021 Certified Mail Receipt Record # XXXX I listed the items pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( my original consumer contract with my signature on it ).

1 ) Please provide the name of any parent companies that this financial institution is operating in contract with in respect to the claim herein 2 ) Please provide the EIN number and CUSIP number of this company/corporation/financial institution 3 ) Please provide an affidavit stating that you have enforceable payment interest in the contract account # XXXXbased on SEC files including all prospectuses XXXX registrations XXXX registrations and all other SEC documents pertaining to the above mentioned claim 4 ) Please provide documents pertaining to any stock, securities, bonds etc associated with this specific account number.

5 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 6 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 

You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws Said Directors, Managers, Supervisors, and Employees in the name of United Resource Systems , INC allegedly executed a contract with the requester and it is affirmed by requester that they violated the law in their actions of alleging the requester owes them a debt. 



They have not provided the validation for this and continue to cause me nuisance, humiliation, defamation, and financial distress by continuing to report this unverified claim impeding and halting my ability to utilize my credit as needed during this pandemic.
Product: Credit reporting or other personal consumer reports

The following accounts that is reporting on my credit doesnt belong to me and i am wishing for these to be erase for it is very degrading to my report. Ive never open any of these accounts. I have great payment history and I am asking that these accounts be removed expeditiously thank you!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> to see results from investigation and I noticed they didn't update or modify my account according to 15USC 168 ( i ) 5that 's a violation of multiple laws remove these accounts from my credit report.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. This account XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, status, this account is not accurate. account VisionsFCU # XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. accounXXXX XXXX # XXXX, # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of last payment this account is not reporting accurate. XXXX XXXX  # XXXX date is not reporting correctly, date last active, date of last payment this account is not reporting accurate. XXXX # XXXX open date isnot reporting correctly, date last active, date of last payment this account is not reporting accurate. I got the copy of my report and investigation back but noticed nothing was modified or updated according to 15 USC 1681 ( 5 ) I also never received the requested details of there investigation how they investigated and how did they verify and when and with whom. They did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I did not receive description or details of the investigation per my request.
Product: Mortgage

Shellpoint Mortgage Servicing, has been handling my mortgage payments including an open escrow account which was supposed to take care of my property taxes. 
My county tax collector sent me a bill on XXXX for unpaid taxes with a late fee of {$400.00}!! ( those taxes were due on XXXX when I reached out to my servicing company, they claimed that they sent me a check of the open escrow so I can handle it myself!! ( something that can only be done if my account with them is closed, which was not at the time ) and by the way that " check '' never arrived!! 
I didn't want to get any more late fees so I went ahead and pay my taxes out of my savings, with the {$400.00} late fee!! and proceeded with a refinance with a different company. 
All I want now is my escrow balance including the {$400.00} late fee that Shellpoint made me pay as a result of their negligence. 

Sincerely
Product: Mortgage

I have had smooth sailing paying my XXXX mortgages with Wells Fargo for 14 years. I have a lot of equity. My wife and I lost XXXX family members in a tragedy unspeakable. My wife, a XXXX for 22 years had to resign with grief and health issues. Wells Fargo has mistakenly paid my property taxes several times changing my payment and apologizing by letter but still hurt me. I have been paying over the payment for 7 years!!! They then want to restructure but then add insurance etc I do n't need and it drags for months as they switch from person to person. I documented 36 calls in 3 months. Then out of the blue a foreclosure comes to my door???? I make my payment every month and they claim I am behind months? they cash my checks but do n't apply? WE are taking this nationally how we have been treated during our horrid nightmare. I need help with this so bad I cant take this XXXX every day. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file  XXXX  from TransUnion. I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to TransUnion the write back confirming these are factual and to contact orginal creditor. On  XXXX / XXXX / XXXX  I called  XXXX    XXXX   XXXX   @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XXXX / XXXX / XXXX   Trans Union   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  Trans Union  : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Security number is  XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been reporting late payments for the past 6 months when I am currently current. I have called Bank of America numerous amount of times to have them review my account, but I get no call backs from any of the departments. Bank of America is affecting all 3 of my credit fico scores. I ask that someone please step in and look into my account since I feel very powerless doing it myself. As stated before I have called different departments several times, and all I get is they will call me within 24 hours. I have left voice messages to the credit department and yet no call backs. The negative feedbacks left on my credit report are inaccurate, and by having these remarks on my credit file has affected me and my family in many different ways. In another not my original payment for this particular vehicle is less than what I summit every month as a payment, so that I am able to payoff this vehicle loan before my terms. I ask that this issue is considered highly and not to be disregarded, Thank You, XXXX XXXX XXXX
Product: Debt collection

on XX/XX/23, Resurgent stated in their letter that 'Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts.Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. 

However, Resurgent didn't adhere to all state and federal law and regulations. According to the FDCPA laws debt and collection practices. And Resurgent did find evidence of wrongdoing regarding mishandlings of communication within the collections letter. They letter shouldn't have included any mention of referral to an attorney. And I advise them to refresh themselves on how to write a collection letter according to FDCPA. Resurgent doesn't have the right to rewrite the law according to how they see fit. Which is an abuse of authority. Resurgent is negligent for what they did and must be accountable to make it right. 

Recently, Resurgent sent me a letter dated on XX/XX/23, in which they didn't share with CFPB, which is predatory practice. Asking for installment payment without using a unprofessional communication tone of harassment. The contrast is very different from the original collection letter. 

This is acknowledgement that Resurgent has taken measures into consideration on how to communicate moving forward since filing a complaint with CFPB. I ask that CFPB make Resurgent aware that they violated FDCPA laws debt and collection practices. And award me for damages in regards to harassment and unprofessional communication. The contrast between both letters of communication is drasticly different from one another. This is the evidence that Resurgent reluctantly do not want to acknowledge.
Product: Debt collection

I was notified that the company was calling family members about me so I called them. They did not have the correct date of birth. I explained I had filed bankruptcy and to call my attorney. They were notified on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX. At XXXX on XXXX/XXXX/XXXX they left a message threatening to inform my employer. I called again at XXXX trying to explain I had already provided them the information about my attorney. I was hung up on. I called again at XXXX and was told company policy was that it took XXXX and they would continue to call me and my family until then. I explained again I had filed bankruptcy and I was hung up on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXX servicer to XXXXXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX My name is XXXX XXXX I have a active investigation going on regarding an account that was opened while I was XXXX in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally wasnt on the streets at the time of this alleged account being opened Im getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was XXXX XXXX XXXX XXXX XXXX XXXX. Im not sure if my family members made this account while I was XXXX because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point Im just so fed up and so damaged by this allege theft that has taken on my behalf Im willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. Im tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because Im really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Email- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian added back student loan due to id thef -- stated i disputed in XX/XX/2019 with experian, i have not submitted a disuputed with XXXX or any other student loan lender in over 6 months or Experian these need to be removed as fraud i provided a police report before and now it is back
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, XXXX, TransUnion ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment