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

I leased a XXXX XXXX XXXX that was financed through Nisan Motor Acceptance Corp. ( NMAC ). That lease comes due on XX/XX/XXXX. I spoke to three different Nissan dealers, all of whom told me that Nissan would waive up to the last four payments on my lease if I purchased a new vehicle from Nissan. As I was planning on doing just that I made the XXXX, XXXX payment on time but made no subsequent payments. 
In early XXXX, I started receiving a very high volume of calls from NMAC telling me that my auto lease payments were late. Every time I mentioned them waiving payments, they told me to go see a dealer. Finally NMAC told me that I had to go see the dealer who originally sold me the vehicle, even though they are over XXXX miles from my home, as I have recently moved. 
I complied with the instructions from NMAC and went to the dealer they specified. At that dealer, I was able to find that NMAC had reported me late for two month 's worth of auto lease payments and by doing so, NMAC had caused my FICO score to drop from from XXXX to XXXX. Because of the drop in FICO score and the lease payment lateness, Nissan would not lease me another vehicle even though my payment history over the previous 33 months was always on-time. And, unfortunately. because of Nissan 's report, no other auto lender would give me a loan or a lease. 
Their actions have been damaging, predatory and not in keeping with what the dealers told me. The two months late ( XXXX and XXXX ) have been paid and Nissan will still not approve me for a lease.
Product: Mortgage

This is a followup for complaint XXXX. Upon making 1 phone call to my previous mortgage holder, i found out that the money was sitting in a corporate advance account. If XXXX XXXX had done this, they would not have erroneously sent me their nonsense letter trying to scam extra money out of me. I see from their " response '' that they have mis-applied my XX/XX/XXXX payment to XX/XX/XXXX, as well. This needs to be corrected ASAP. I have attached all relevant documents. I expect them to come correct, and to apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information from my credit report with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit with a hard inquiry that I did not initiate - Three of them actually - and I need them removed from my credit. Talking to the company was either inconclusive, ignored or impossible ( not able to contact ).
Product: Credit reporting

I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received numerous emails from equifax mortgage and XXXX. I have four inquires from Equifax mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what XXXX is. These two companies somehow was able to pull my credit by obtaining my social security number.
Product: Debt collection

XXXX XXXX JEFFERSON CAPITAL SY is saying i owe them dept but it is identity theft {$810.00} account was opened XXXX XXXX
Product: Debt collection

I previously reached out to RentDebt Automated Collections , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that RentDebt Automated Collections , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, RentDebt Automated Collections , LLC must remove all reporting of the account on my credit profile.
Product: Credit card or prepaid card

XXXX XXXX I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Bank account or service

Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered several violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report. Specifically, these violations include : Failure to XXXX XXXX : XXXX FCRA Section 616, the entities involved accepted credit information about me without verifying its accuracy firsthand, which is considered willful noncompliance. This violation could result in civil liability of up to {$1000.00} per instance.

Failure to Disclose My Rights : As per FCRA Section 603 ( d ) ( 2 ) ( A ), the entities failed to inform me of my right to opt out of sharing my personal information, which is a deceptive practice and violates my consumer rights.

Furnishing Deceptive Forms : Under FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and accounts were reported without proper validation. This violates Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive. 

XXXX XXXX Violations : The entities engaged in unfair practices by reporting inaccurate debts and accounts without my consent, causing unnecessary distress and harassment from creditors. Additionally, third-party credit reporting agencies were contacted improperly regarding debts I allegedly owed, which violates regulations regarding the disclosure of debt information. 

Inaccurate Reporting of Late Payments : The entities reported " late payments '' on my credit report without providing clarity on what constitutes a " late payment, '' which is deceptive and inaccurate. 

Failure to Determine Finance Charges Accurately : The entities did not accurately calculate finance charges, which is a responsibility of credit reporting agencies. 

XXXX XXXX of XXXX : XXXX was reported on my credit report without obtaining my written consent, violating FCRA Section XXXX ( a ) ( XXXX ) regarding permissible purposes for consumer reports. 

In response, I demand immediate action to address these issues, including updating inaccurate late payment records, deleting unauthorized inquiries, and removing incorrect accounts. If these issues are not resolved promptly, I will pursue legal remedies as outlined by the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account number usbk court southern Georgia XXXX, has violated my rights. 15 U.S.C 1681 section 1602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also States a consumer reporting can not furnish a account without my writing 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 crime which antedates the report by more than XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX I applied to refinance my VA home loan online with XXXX XXXX. 
I was given a " to do '' list of documents and other steps I had to make. 
All of these items were completed by XX/XX/XXXX. There were two items that are still pending review. Tax Returns, and the Mortgage Statement ( attached ). The details page of the account information listed an account ID, a loan number, and an estimated closing date of XX/XX/XXXX. ( attached ) this information has not changed as of XX/XX/XXXX. On XXXX I emailed my loan officer to find out the situation. She did not email me back until XXXX on XX/XX/XXXX. In the email she claimed to have reached out to me 2 months ago, about tax returns and average net income. If I had know this 2 months ago I could have looked somewhere else for a refinance, but since I had signed the initial loan estimate I felt like I had to wait for them. In bold letters it says " NOTE : DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION COVERED BY THE LOAN ESTIMATE. IF YOU DO WISH TO PROCEED, PLEASE RETURN A SIGNED AND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE LOAN ORIGINATOR. '' I completely understand that they do not think I qualify for a loan from them. My issue is that they did not inform me of this until after several months of waiting, and I had to ask them what was happening.
Product: Credit card

XX/XX/XXXX : I paid {$10000.00} with Care Credit and {$700.00} via check, so a total of {$11000.00}, for my upcoming XXXX XXXX XXXXXXXX. XXXX XXXX  office is XXXX, XXXX XXXX XXXX XXXX. XXXX  's name is XXXX XXXX XXXX. I was told that the provider is out-of-network with XXXX. 

XX/XX/XXXX : claims totaling {$8600.00} billed with XXXX XXXX 's XXXX number and {$2800.00} billed XXXX XXXX XXXX XXXX 's XXXX number were processed by insurance. XXXX  's office billed insurance twice for the same date of service and procedure codes under different individual XXXX  numbers rather than having just one claim with XXXX XXXX 's XXXX number. XXXX XXXX was the provider that performed the XXXX XXXX XXXX XXXXXXXX. XXXX, as well as others, assisted. 

XX/XX/XXXX : Received refund check of {$4800.00} from provider with no ledger. 

XX/XX/XXXX : Finally received ledger from provider. This is when I noticed the improper billing practices. 

XX/XX/XXXX : Filed a dispute with Care Credit due to provider 's improper billing and insurance fraud. 

XX/XX/XXXX : Dispute closed because service was " not paid for by other means. '' Filed new dispute. 

XX/XX/XXXX : Dispute closed again for same reason. 
/ XX/XX/XXXX : Dispute closed again for same reason, but no letter was provided. Dispute decision final. 

Care Credit is claiming that services were not paid for by other means. However, according to my XXXX, my total patient portion, for both claims, is {$690.00}. Provider refused to honor contracted fee schedule with insurance and billed me for the write-off amounts. 

However, Care Credit said that if the provider was found to be billing improperly, the provider is responsible. Despite proving that the provider is committing insurance fraud and billed me incorrectly, Care Credit refuses to take any action.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX XXXX  XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$9000.00} ( XXXX and Experian ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : Experian and XXXX report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and XXXX ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices. 
The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent. 
Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Financial In accordance with the Fair Credit Reporting act XXXXt Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2017. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud active alert on my consumer report from transunion. I never gave consent or asked for this fraud alert on my consumer report. I want them to immediately remove all fraud alerts from my consumer report.
Product: Credit card

Confirmation # XXXX XXXX XXXX from XXXX. Date of transaction XX/XX/year>. {$1100.00} from XXXX was charged to my discover card. I canceled my reservation with booking and had also contacted the hotel to confirm that I have cancelled. XXXX said my cancellation was free of charge and within their rules of regulations and I will be granted a refund. Called multiple times as emailed XXXX and told me to submit documentation. I sent an official discover credit card statement with the charges and their name on the chargeXXXX XXXXXXXX claims they dont see a charge and will further investigate. Called discover and they said booking submitted document falsely claiming that we didnt canceled correctly and should now be refunded. Called booking again and they said that I did everything correct and that I need to resubmit documents for proof and that they will refund. Also XXXX had one representative tell me that I was a liar and that they dont see any charges which was upsetting and false and proceeded to hang up on me since they had no idea what else to say to me. I feel like XXXX can see I did all the correct steps, but corruptly sending false information so they dont have to refund their customers back and try to blame the hotel or credit card companies, when it is them that are causing all of the disruptions and are mishandling customer payments. They will always pretend that they have no idea every time I call and request documentation in email form. Ive done this every time theyve asked and they still give me the runaround. Ive contacted the hotel property and they had said I did cancel and was not charged. The hotel did not receive any funds from XXXX So at this point booking has funds that dont belong to them. XXXX keeps telling me to call the hotel or credit card company to get my money back when they are the ones who made the mistake. Then keeps sending false information to my credit card company to block me from my refund. Every time Ive called XXXX the representative informs me that I did in fact do everything correctly to have a free of charge cancellation, yet restarts the process every time and ask for documentation when this has been done multiple times. Ill follow up to check on the status and they always say Im not sure what happened, but lets restart the process again. This is suspicious behavior for a big company. They continue to give the runaround and stating that its the hotel property that is at fault. The hotel that Ive contacted will continue to say that they have not received any funding from XXXX  This needs to be resolved, weve never dealt with this before or have a company send false information to our credit card company when filing a dispute
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a refrigerator and I qualified for {$6000.00} no interest for 24 months credit card that I'd be able to utilize anywhere. The refrigerator insurance was for 3 years and it broke down on XX/XX/XXXX and was replaced on XX/XX/XXXX. According to the policy, the company was supposed to replace the refrigerator in a quick manner, which was not respected, we were without a refrigerator for 50 days. The insurance covered {$280.00} for the food that spoiled in the refrigerator. By XX/XX/XXXX the account balance had gone up to {$10000.00} and they had already cancelled my card. I kept calling the company but they wouldn't answer my calls. On XX/XX/XXXX they answered me and the representative I spoke to said that if I made a {$1000.00} payment my account would go back to it's rightful amount of about {$5000.00}. Therefore, I made a {$1000.00} payment and my balance is still {$7000.00} and requesting a {$840.00} deferred payment. Amongst all this, I had been making my regular minimum payments of {$120.00} up until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX  XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.