23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corp is corrupt. Not only was a lied to at the dealership when i purchased the vehicle was sold a warranty that ran concurrent with factory warranty didnt realize until month later call to fix issue got the run around so i just chalked it up as me being conned. Which is horrible for business to even attempt let alone to make a regular part of business XXXX XXXX  please be careful people. Now next issue i had a couple of late payment they put a thrid that i gave them info that was incorrect i have been given horrible customer service since i first called to attempt to fix. This company is just the worst to do business with and i want other people to be careful before they enter into a agreement with these heartless corrupt liars.And the worst part the XXXX XXXX is a horrible car stay clear of it
Product: Debt collection

this account was open on XX/XX/XXXX, with world omni financial Corp for a new car loan after XXXX months after I've lost my job but i already paid XXXX months ive called the dealer to let they know i can't move forward with the deal i need to return the car, they said okay we're send you a tow guy to pick it up tomowrow. after XXXX year this company decided to report me to all credit bureaus, then i have a delinquents account and pass due amount of {$15000.00} but they receive the car with XXXX miles only in a good condition and XXXX accident. after several years of complaints against this company with all credit bureaus they decided to close and removed the account from my credit report but still reflect on some credit bureau with wrong information showing as open. last years on XXXX XXXXXXXX 2023 this company decide to report to the IRS that my debt was cancelled with {$8600.00} or forgiveness with no further noticed, the surprised is I've not received any document about this report, i believed all those information 's is inaccurate i need to be clear on that, today i just received a letter from IRS showing i have a debt of {$3200.00} i need to pay back on my tax return for XXXX i don't know why? i need your help please thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, Equifax, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.
Product: Student loan

MOHELA is refusing to process my income based repayment application ( IBR ) because I am currently on the SAVE plan. This is entirely inconsistent with the Department of Education 's ( ED ) guidance on the matter ( see https : //studentaid.gov/XXXX  ). ED specifically and explicitly states that borrowers stuck on the SAVE forbearance can apply for a new payment plan to continue to make payments and get credit for PSFL. Below is the language directly from ED 's website : " Enroll in a different PSLF-eligible repayment plan Borrowers can apply to enroll in a different PSLF-eligible repayment plan. We encourage borrowers to look at the specific terms of each plan to make the best choice for their individual situation. See above for more information. Different IDR plans may require higher monthly payments than the SAVE Plan does, andin the case of some IDR plansborrowers who later leave them may face interest capitalization ( where unpaid interest is added to the principal balance ). However, payments made under these IDR plans will count toward forgiveness under IDR and PSLF. '' Despite this, MOHELA refuses to process my application.
Product: Credit card or prepaid card

I submitted a complaint with CFPB regarding this issue and the response from the CapitalOne did not address the purpose of my complaint. I need the company to articulate the reason why the request for a credit increase was declined. It directed me to the same link in the initial letter. The letter to stated there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency. I feel the decision was determined using discriminatory criteria.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXX XXXX XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear XXXX, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX M Date Paid : XX/XX/year> This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,
Product: Credit reporting or other personal consumer reports

transition said that the complaint Submitted to the CFPB on XXXX  : there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to bre reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from XXXX  or Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer
Product: Bank account or service

I have two issues with JPMorgan Chase Bank. ( 1 ) My uncle had a checking account at Chase with myself on the account as POA. No other name was on the account and it had no beneficiaries. My uncle died on XXXX XXXX, 2016. I am the executor of his estate. Because his daughter had tried to steal his estate some years earlier, he had by name " disinherited '' her in his will. I brought the will to my local Chase branch in XXXX XXXX, Utah, but the representative said that the Bank did not need a copy of the will. On XXXX XXXX, the daughter withdrew all the money ( {$26000.00} ) from the account at the branch in XXXX, CA. On XXXX XXXX, I discovered this withdrawal on the bank statement. I immediately reported the fraud to Chase Claims. Why would Chase give the money to someone not on the account and specifically excluded from my uncle 's will? The Claims department said that they would need to investigate, but required an affidavit from me before they could start. ( 2 ) On XXXX XXXX, I brought my completed affidavit to my local Chase branch. The branch faxed the affidavit to the Claims Department - their fax number is on the affidavit form. On XXXX XXXX, I telephoned Chase Claims. The rep said that the fax area would electronically attach the affidavit to the online claims and that the Claims department would not start investigating until the affidavit was visible. The rep said that the affidavit was not yet visible, but it could be " in the pile '' so that I should wait until Monday. On Monday XX/XX/XXXX, I telephoned again. The affidavit was still not attached. The Branch Manager at my local branch promised to re-fax and let me know. XXXX XXXX, Claims could still not see the affidavit, but " could not telephone '' the fax area to know if fax was there. I faxed the affidavit from a XXXX store. I escalated the issue. The branch manager was able to get the affidavit to XXXX XXXX in the executive area, who, he said, would help me. XXXX XXXX, Chase still does not have the affidavit. In summary, the Chase branch has faxed the affidavit at least four times and I have faxed it once over the last 14 days. ( FYI Chase refuses to accept an attachment to an email. ) Yet, Chase can not and will not try to find the faxes in the Claims fax area. Apparently, Chase does not have the capability to know if a fax was received. Chase refuses to start investigating until they have my affidavit, even though I did technically provide the affidavit to Chase in the branch. The possibility of recovering the money stolen from my uncle 's estate is reduced every day that passes. I am caught in the bind of Chase not being able to receive my affidavit no matter how hard I try and Chase refusing to investigate until they have my affidavit.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Please remove all late payments related to XXXX XXXXXXXX XXXX XXXX  XXXX within 4 days under section 605b. Late payment are listed below. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRAs reporting innaccurate and incomplete information on my credit. I reported the notation of the following late payments not consistentt and did not recieve proof of such claimm or any physical evidence accounts came back verified. 

" Treatment of innaccurate and unverifiable data '' if after any reinvestigation under paragraph 1 of any information disputed by customer an item of the information is found to be innaccurate or inncomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX MAIN LATE PAYMENT XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX INQUIRIES- XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXy date XX/XX/XXXX XXXX XXXX XXXX  / Inquiry date XX/XX/XXXXXXXX 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 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 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
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX the buyer purchased my authentic XXXX XXXX XXXX XXXX mercari approved the return despite stating i felt the buyer was going to steal from me. i couldnt confront the buyer myself as mercari conveniently had my account banned for disputing a fake XXXX  charge so upon receiving my package since it was returned low and behold theres no wallet. i contact mercari and they say billing and payments my account is still currently banned so i told she would stole from me and mercari hasnt done a single thing about it. ive told them this would happen and to not approve the return for this reason they did anyway
Product: Student loan

I made a payment on XX/XX/2024 a day before my due date on XX/XX/2024. Today, XX/XX/2024 I logged on and was told I was past due and needed to make an immediate payment. I also have been making overpayments expecting those payment to go to principal, which they are not and I can not indicate anywhere during payment this is what I want to do. Therefore, my loan balance is growing. This is abhorrent and a complete and utter failure of the student loan system. 

I submitted a complaint to Nelnet, which got no response. I tried calling their customer service where I was placed on hold for XXXX hours with no response. I finally had to hang up because I have a job and can not waste XXXX hours of my day sitting on hold. Not to mention that their servicing hours are only within working hours. I am not wasting my vacation time or risking losing my job to wait on hold for customer service. They need to mark my payment as paid on time immediately, and not have this impact my income driven repayment plan. I have never been past due. 

This is a complete and utter failure of the student loan system. Something needs to be done with the student loan servicer, Nelnet, and the system in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Product: Debt collection

A man by the name of XXXX XXXX would n't tell us who he worked for but I later looked up the telephone number he called from. I discovered he works for Regional Adjustment Bureau , Inc. He is trying to collect a debt from a family member of mine that owns a business. He repeatedly used multiple telephone numbers which he spoofed even local numbers to make it look like it was a local call. We called those numbers back and they were random people that had no idea what was going on. He threatened to call us every day until we contacted the person who owed the debt. He even went as far as contacting my wife, her sister, and her family who has absolutely nothing to do with the company who owes the debt. He even went as far as calling them repeatedly and hung up on them with a very very nasty tone. He told my sister-in-law that she " sounded dumb '' and asked if she ever went to school. Secondly, he called my father a " dead beat '' and told my wife to " shut her mouth ''. He has called not only the people above, but also my brother, and my sister. We are all tired of this " debt-collector '' harassing all of us which we have absolutely nothing to do with the debt owed. He has violated the Fair Debt Collection Act completely. The telephone numbers that he spoofed to call us are : XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Banks - Cards - Rooms to Go -XXXX XXXX  XXXX XXXX Discount Tires XXXX XXXX XXXX XXXX Synchrony Bank closed both of my accounts destroying my credit. both accounts and Rooms to Go and Discount where current. They closed my accounts without notice and for no Reason. The XXXX XXXX XXXX  has on file over Synchrony Bank which include over 5,000 complaints again the bank. They will not answer any questions from me. They gave me no explanation for why they closed my accounts.