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

In XXXX we leased a XXXX Nissan XXXX from Nissan of XXXX. In XXXX we decided to purchase the vehicle. The purchase was handled by Nissan of XXXX. Financing was provided by XXXX XXXX XXXX XXXX. The vehicle was paid off in XXXX. When requesting the title from my bank I was told that Nissan had never turn the title over to them. After speaking with Nissan Motor Acceptance Corp which is the listed lien owner, they said they are unable to provide me with the lien release because I did not pay off the vehicle. They state that Nissan of XXXX paid off the vehicle. I was told that I needed to have Nissan of XXXX request the lien release from Nissan Motor Acceptance Corp. Which I complied with and had someone from the dealership send the request. Again Nissan Motor Acceptance Corp denied the request. As it stands Nissan Motor Acceptance Corp has the title of the vehicle and is still listed on the registration as lien owner. The vehicle has been paid off for 2 years and they refuse to release interest in the vehicle. 

I am urgently requesting that Nissan Motor Acceptance Corp. Provide a notarized lien release letter. The vehicle was totaled on XX/XX/XXXX. My insurance is unable to obtain the title because Nissan is listed as a lien holder. I am unable to receive the settlement check from my insurance for the value of the vehicle due to the fact that Nissan motor acceptance Corp will not release the vehicles title even after considering The fact that the vehicle has been paid off for 2 years. They hold no interest in the vehicle yet refuse to remove themselves as lien holder.

I have attached a copy of the current registration. As well as documentation from my bank and the contact information from the bank manager showing that the vehicle has been paid off, keeping in mind that Nissan never provided them with the title to the vehicle.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting validation and accuracy on these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out to all three credit bureaus in regards to the accounts listed below, XXXX, XXXX, and Experian have all failed to send me the proof of the charge off and the copy of their investigation. 

XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Checking or savings account

am contacting Bank Of America in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX  XXXX  XXXX and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.
Product: Mortgage

I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist XXXX told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my XXXX has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my XX/XX/XXXX tax returns I made {$11000.00} and last year I made {$27000.00} Clearly, my XXXX is growing and First Citizens Bank refuses to acknowledge or considered my increased income for this year. XXXX from First Citizens Bank stated that despite my business growing they were not considering my current income. I warn him I would file a complaint with my attorney general and cfbp but he clucked and said you nor the attorney general would do anything to First Citizens Bank. Furthermore, he said it would be a waste of time on my part since no one would address my complaint unless I provided my XX/XX/XXXX taxes showing my increased of income. At that point I was done with him. I am requesting a new specialist be assigned to my case that wants to work with me and I truly hope this complaint helps expose First Citizens Bank fraudulent review process. My new income has to be considered because based on my tax returns my XXXX is and continues to grow.
Product: Mortgage

Received a call from a company saying they acquired my second mortgage in XXXX that was believed to be paid off. They are saying this mortgage has not been paid since XXXX and has now ballooned the payments from XXXX to XXXX. They claim to have been sending notices to an address of my dead grandmother in which I have not lived in years and just now found my phone number which has not changed since XXXX. 

Looking for more information I found my situation was NOT unique and its called a zombie Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for the past 5 months through credit karma, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.
Product: Credit card or prepaid card

Company deducted {$500.00} from my payroll check that I did not initiate ( or receive ). Customer service agents were unfriendly on the phone and came short of accusing me of lying about receiving the money. They supposedly did an investigatuon, which lasted for 3 days. The resolution they came up with was that they were not going to reimburse me and told me several times that their system was basically foolproof and that friend/family fraud happens more than I'm aware of. They did no actual investigation into where the money actually went, which was definitely not me. Nor was I ever notified via text or email ( which I always am ) if I withdraw any money. I am basically out {$500.00} with no recourse at this time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at XXXX  and experian. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through XXXX and Experian upload system on their websites. They refuse to remove this charge off. I also notified each bureau XXXX  and Experian that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( XXXX  and Experian ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX  account on my experian report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both XXXX  and Experian. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. XXXX  told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We fell behind in our payments i got sick, and they threatened to come and repossessed the vehicle and finally they did.
Product: Mortgage

Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted by my XXXX  credit app there was a collection placed on my credit from AFNI for XXXX XXXX XXXX XXXX  for {$560.00}. 
I did NOT receive any call or correspondence to notify me. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX spoke to Employee ID XXXX. I provided him the tracking numbers for the equipment returned on XX/XX/XXXX. He confirmed seeing the items received by XXXX XXXX XXXX   on XX/XX/XXXX and indicated I should not have any charges and they would mark for review and call me in 24-48 hours. They never did. 

I called AFNI on XX/XX/XXXX at XXXX spoke to a woman who did not have a employee #. I explained to her what XXXX XXXX XXXX  said. That this is inaccurate and I was not notified and wanted this resolved and removed from my credit. She said they would mark it " paid '' if I paid it that day. I continued to reiterate I was not legally notified and it was inaccurate. When I asked her what day they mailed me a notice she said " I see the letter was suppressed and it did not go out. I will request deletion from the credit bureaus '' I requested a letter in writing confirming that she said they would mail one. 
To date I have not received a deletion letter and it is still on my credit. On XX/XX/XXXX I received the first and only notice of collection. Still trying to collect the account regardless of my disputes and proof of tracking numbers. 

Neither party has done what they said and rectified this matter and my credit has not been corrected per the conversations. I have not had XXXX XXXX since XXXX and once I returned the equipment I was never notified of anything since. In accordance to federal Fair Credit Reporting Act 611 I am disputing the information and also reporting violation of the lack of notification prior to putting the erroneous account on my credit.
Product: Checking or savings account

I opened my TD bank checking account on XX/XX/2021 with a promotion for {$300.00}, i satisfied all requirements for the promotion in XXXX XXXX i have reached out to td bank and i was told i do not qualify for the promotion. which seems inaccurate i have included a copy of the terms and the promotion i have applied for in XX/XX/2021 2021
Product: Debt collection

I have received numerous letters in the mail, along with phone calls, from a company called Certegy Payment Solutions , LLC, out of XXXX FL, since XX/XX/XXXX, requesting collection of two unpaid amounts to XXXX XXXX, for web services. They continue to harass via phone and mailings. I have checked my account statements and GoDaddy.com account, and the payments were auto-drafted on the stated dates, XX/XX/XXXX and XXXX, XXXX. 
I have had XXXX services since XXXX, and have my payments auto-drafted from my account. On XX/XX/XXXX, I contacted the billing department of XXXX to get further information on the issue. Billing stated they do not send out any debts to collections agencies, only terminate accounts when unpaid. I was informed, companies like this steal information from websites and create false paperwork to fool people into sending in money without any investigation into the matter. 
This is a scam and disregard all mailings and calls. I have asked them to stop via mail and phone three times, but they continue to harass with false information, using my bank name and XXXX within their mailings and phone calls. On XX/XX/XXXX, Certegy Payment Solutions attempted another phone call and I was able to speak to one of their representatives, who was requesting my full social security number. 
I have full proof of full and proper payments for XXXX services and this is a terrible and deceitful scam to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.
Product: Credit card or prepaid card

I tried to make the payment and it didnt go thrue. I didn't received a call that the payment was due and I found out checking my credit score I did the payment intermediately. Their system did not proceed the payment and my account is current with no debt but in my score says that I own the company.
Product: Debt collection

i just saw the debt pull up no inquiry i am unaware of  XXXX  college or the collection agency i filed a theft report this is not my debt
Product: Checking or savings account

On XX/XX/year>, I was charged four overdraft fees. During a previous visit to a Wells Fargo branch, a bank representative informed me that my accounts have a 24-hour grace period before any overdraft fees are applied. Additionally, I spoke with another representative about charges on my account, and despite discussing overdraft fees, she failed to disclose that my accounts needed to be reconciled by XXXX XXXX XXXX. 

Relying on the information provided by your representatives, I made charges on my account on XX/XX/XXXX, fully expecting that the direct deposit scheduled for XX/XX/XXXX would cover those charges. However, despite the deposit being made on the XXXX for {$1000.00}, I was still charged four overdraft fees of {$35.00} each with a total of {$140.00} It is evident that these fees were applied due to a lack of clear and accurate disclosure by your staff during multiple interactions, which has resulted in these unjust charges. I believe the bank is liable for these fees and that they should be waived immediately. 

I called and spoke with XXXX - Employee Code- XXXX Claim : XXXX
Product: Consumer Loan

There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation
Product: Debt collection

In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated  a settlement with XXXX XXXX XXXX - which XXXX accepted. I had nothing ot do with the negotiation. XXXX financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to XXXX XXXX XXXX for GAP Coverage. IN XX/XX/XXXX, XXXX XXXX XXXX advised me that I had to submit a report justifying XXXX, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX an d it then repeatedly sent to XXXX all the documents it had regarding the settlement. XXXX repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, XXXX elected to stop trying t collect from its own subsidiary XXXX then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr XXXX  I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own subsidiary.