23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nissan Motor has violated the Truth and Lending Act section 162 15 U.S.C. 1666a- Regulation of Credit Reports. Nissan Motor is reporting to the Consumer Reporting Agencies that I have a delinquent account, which I have already dispute this account with Nissan Acceptance Motors. This is not my account. They are also in violation of section 112 15 U.S.C 1611 - Criminal liability for Willful and knowing violation. They are willfully and knowingly giving false and inaccurate information to the Consumer Reporting Agencies, which is hurting my consumer report and causing me to get denied for credit. Nissan Motors is also in violation of United State Code1692g -Validation of Debt. I plan on filing a complaint with the Attorney General of my state and with the XXXX. If Nissan Motor does not remove the Nissan Motor account from my consumer report I will take legal action and file litigation against Nissan Motor in my state and county court. I submitted a CFBP complaint about Nissan Motor XXXX XXXX 2021 and Nissan Motor responded saying they could not find an account in their system with the information I provided but yet they are still reporting this account to the Consumer Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX & XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many dispute letters to XXXX and Experian in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
Product: Credit card

Chase freedom credit card approved a credit line increase XX/XX/XXXX of XXXX. I had the balance at XXXX in XX/XX/XXXX the following month they decreased my credit line to XXXX. Mind you the purchases were made while the line was at XXXX. Now I 'm over the limit by XXXX and have neg on my credit scores! I did not receive a written letter. Their process to me as a consumer was not done legally. I would like to dispute this company and charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to   XXXX   XXXX   for " incorrect name '' on personal information. My name is   XXXX   XXXX   XXXX  . My maiden name is   XXXX   XXXX  . I have no middle initial. My email address is  XXXX .     Thank you,   XXXX   XXXX   XXXX
Product: Debt collection

BUR ACCT MGM XXXX Bureau of Accout XXXX XXXX XXXX PA XXXX Acct # XXXX {$1100.00} This account is not mine. I have written certified mail receipt attached. They will not show me a signed contract with my name on it with my signature on it. I was recently in the hospital and this information came up on my acct, and so now I know my information is being sold by this company to other companies. This infiltrates all kinds of Hippa Laws by doing this. Having this on my credit when it is not mine is agains the Fair Credit reporting act and the Hippa Laws act. Remove this immediatly from my credit, or show me this signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from PLUSFOUR INC reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Product: Vehicle loan or lease

The company sold me a car with a recall, the coerced the paperwork to inflate the interstat rate and to not document my down payment, and to not use gap insurance money I paid for gap insurance. The proceeded to not record payments made on time and denied the gap claim when filed. They issued a XXXX charge off, on a vehicle I purchased for XXXX. They have illegally coerced the loan to higher interest rate.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from my supposed boss that I should give him my phone number because he was in an important conference meeting and I could not give him a call due to that current situation. I was not suspicious of the email because it had personal information about my boss. I have only been working for this company for a year and occasionally my boss emails me asking for tasks that are specific to my job. As a graphic designer, my boss does not directly supervise me often and usually am guided by my XXXXreative Director under him. 
Furthermore, my supposed boss told me hes on a conference call and needs to provide gift cards to our clients ( I thought it was something my company gave out for Christmas ). He told me to check a nearby store for some XXXX gift cards, yet I suggested that he, himself, purchase them online. He kept pressuring me to get these gift cards even though it didnt feel right and I was uncomfortable. However, I did not know how to deal with this type of situation ( as Ive never been in it before ) and say no to my boss. My company has reimbursed my coworkers and I before if we used our money to complete tasks for them. I thought this situation would be no different, however, it seemed like a lot for him to ask me to buy {$1000.00} worth of gift cards. I eventually bought the gift cards from the pressure and later on he started asking for more. That is when I realized it was a scam. 
I immediately called up my bank, Wells Fargo, and told them about my situation and how I got scammed {$1000.00}. I know I had willingly purchased the gift cards, but I discovered that XXXX put out a warning about a common covid-19 scam they had been experiencing where you receive an email or text message from your boss asking for a certain amount of XXXX gift card money. The Wells Fargo customer service provider said they would open a claim and investigate it. I got an email claim reference number and waited. 
On XX/XX/XXXX, I received an email that the investigation case was completed and to wait for a letter in the mail for further information. I did not receive that letter until XX/XX/XXXX. The letter claimed this {$1000.00} transaction was correctly charged to my account and as a result, they are not able to reimburse that money. 
Although I did willingly give the money ( gift cards ) to my supposed boss, It was a type of scam that directly emailed me impersonating my boss. I do not give out my work email to anyone. I believe this transaction of {$1000.00} should be reimbursed because it is a great deal of money I lost that could have potentially gone to my necessities, especially with the current circumstance of the economy with the pandemic.
Product: Student loan

On XX/XX/XXXX, I called Edfinancial about refunding the payments I made during the pandemic. I called several times to inquire as to a time frame, I was told it was unknown. I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. I inquired twice more about the reason it was taking so long. On about XX/XX/XXXX, I filed a complaint with CFPB. I received a partial refund on XX/XX/XXXX. I have called twice more about the remaining refund and I was told the whole amount was sent to the department of Treasury on XX/XX/XXXX. XXXX. Which is weird since supposedly it was sent back on XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the refund in full.
Product: Mortgage

Please see attached. Our original complaint that we filed with the Attorney General is included. 

Since the complaint was filed our current provider is working on a loan modification, which will double our interest rate. They have also sent us a trial period payment plan that is {$1200.00} more than our original payment.
Product: Credit card

I made a payment on XX/XX/XXXX of {$14000.00}. The money was received by them and taken out of my XXXX XXXX  account on XX/XX/XXXX. As of now, they have been holding my money and will not apply it to my available credit. Basically they are holding my money XXXX because I made such a large payment. How can they hold my money when they have it? The payment even shows up on my synchrony account as posted, but it isnt posted. They refuse to release my available credit until they feel like it, I was told it could be up to XX/XX/XXXX.
Product: Mortgage

My mortgage loan was sold to Pennymac Loan Services 5 years ago due to my total loan amount being less than {$50.00}, XXXX. They have been harassing me by calling me every single day, several times a day! Recently they have been charging me a {$15.00} monthly fee to " have someone drive by my home to make sure I still reside here ''. ( Pennymac is based in XXXX XXXX, CA and I live in Oregon, so they claim to have hired someone local to drive by ; I have never been personally contacted by this alleged person ) I have called them in the past to inform them of my hardship situation, but they have told me after speaking to them that this information I provided will NOT stop the phone calls and it has not! Therefore, I see no point in speaking to them since it makes no difference whatsoever.
Product: Credit reporting or other personal consumer reports

I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for ....

1. The name and address of the original creditor 2. The original date of delinquency and amount owed 3. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called XXXX, and was told I needed to contact XXXX or Experian to have it removed .... Since when is this the way it works? I also contacted XXXX and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past XXXX years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX ( Account # XXXX ... ), XXXX XXXX XXXX  ( Account # XXXX ... ), and XXXX XXXXXXXX ( Account # XXXX ... ), were previously corrected by Equifax over XXXX years ago, but XXXX has failed to update my file accordingly. XXXX 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.
Product: Student loan

I am getting calls from " XXXX '' with the Todd, Bremer & Lawson , Inc. law firm in regard to my student loan with XXXX XXXX XXXX College. They have reported an incorrect amount with a balance increased over {$1000.00}. The loan is through XXXX and the loan service is deducting a monthly payment from my account. This company is has been trying to get me to send my loan through another company. My loan is being paid and I have paperwork to show the payment. 

This " XXXX '' person has made threats that it's effecting my credit, which it isn't and it is not on my credit. I have gotten paperwork from them with chicken scratch handwriting. I'm not sure who they are and I called the loan company and they didn't have the so called law firms information.
Product: Debt collection

This will be the fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter. 
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX. 
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC . 
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!! 
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''
Product: Mortgage

Hello, I am looking to refinance my mortgage that is currently being financed with BMO Harris Bank N.A., and wanted to take advanced of the current low rates. I had filed for Bankruptcy years ago and both my first and second mortgages ( both with BMO Harris Bank ) no longer display on my credit report. I called BMO on XX/XX/2021 to inquire about the balances owed on the 2nd mortgage or had it been charged-off ( wanted to get an idea of how much I owed, prior to submitting an application for refinancing ). Neither mortgage was included in the Bankruptcy. I was told my inquiry had to be submitted via email at XXXX and that I should get a response within 24-48 hours. I emailed the same day ( XX/XX/2021 ), on XX/XX/2021 I emailed them once again because I had not heard back from them. I received a response with the 2nd email on XX/XX/2021 asking for additional details on my 2nd mortgage to which I provided the response the same day. I emailed once again on XXXX asking for the answers to my questions. I received a response from the Collections Department from the mortgage servicer for my BMO mortgage - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. I was told that I had been misinformed and that the response time can be up to 30 days for this type of request as they needed more time to research. I received a letter in the mail dated XX/XX/2021 acknowledging my request and promising to get a response to my request as promptly as possible, and that a response will certainly be given within the times limit required by the law. I had not heard back from BMO or from XXXX ( the mortgage servicer ) and emailed once more on XX/XX/2021. It is now past 30 days since my initial request and I have not heard back from them either via email ard/or mail. I want to refinance my loan ( s ) and can not proceed without knowing if the 2nd mortgage has been charged-off, what balance I owe on it if any, as I am not able to come up with a definite number as to how much mortgage I should apply for. BMO Harris N.A., has made it very difficult for me to move forward with my refinance because they refuse to answer my questions. I do not want to feel bound to dealing with mortgage that is very difficult to deal with.
Product: Credit card or prepaid card

On XX/XX/18 I accessed my Amex Account online to use thier membership rewards points ( their rewards program ). When I went to use them I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I had no idea what this actrually meant beyond I couldnt complete it online, so I called Amex on the phone to figure it out. The lady on the phone said she could complete the transaction ( trasnferring MR to XXXX XXXX   ), but when she tried, she got the same message. I then had to call a different department to find out what this actually means and the other department and no one on the phone was able to assist me. They said it a freeze of MY points, it was something at the corporate level and they were reviewing my account and there was a PO box that I coudl write to. No one could tell me why, what caused this, how it could be resolved, other than writing a letter to a PO box . that is not acceptable. I have paid my Amex bills, on time, in full, for years.
Product: Credit card or prepaid card

For the second time Capital One has changed my password. Have been hung up on twice and ca n't access my account on line. I 'm tired of dealing with these incompetent people. Since I ca n't access my account I have to call. I get a message saying the office is closed at XXXX XXXX. I wish to close all my accounts but find no way to contact them.
Product: Debt collection

I have requested in writing to Source Receivables Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on 3 different occasions, that the account place on my credit report on XX/XX/2023 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ct, XXXX XXXX ( XXXX ) XXXX2025 Eastern Account system in XXXX XXXX XXXX XXXX, CT, XXXX Account Number XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining.

A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract.

Proof of your legal right to collect including a complete chain of title from the original creditor to your agency.

Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off.

Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law.

If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ).

Please respond to this request within 30 days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights.

I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My xwife has remodified my loan, and manufactured XXXX XXXX XXXX  stating I was on XXXX XXXX... .I 've never been in the military, and NOBODY seems to care about this
Product: Mortgage

I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.