23daVinci/CFPB_Complaints huggingface dataset:
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 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. Delete the accounts below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXX XXXX XACTUS-XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX first investors got paid by the insurance company and still was trying to make me pay two different amounts
Product: Credit reporting or other personal consumer reports

Regarding my previous complaint number : XXXX with the CFPB I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



Specifically : Loan account ( XXXX ) [ XXXX Account Type : Installment Account Type - Detail : - Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Vehicle loan or lease

On or about XX/XX/2022 I applied for an auto loan with XXXX XXXX XXXX and the company went through a bank called Credito Real USA Finance LLC. During this consumer credit transaction, I was asked for a down payment, there was a hard inquiry on my credit report. On XX/XX/2022 i completed all paperwork and was told to pick vehicle up Friday XX/XX/2022. all paperwork was finalized and loan was completed. On XX/XX/2022 I received a call from Credito Real USA Finance LLC and received threatening calls about if I do not bring vehicle back there will be legal action. The bank credito real USA Finance LLC was in violation of 15 USC 1662. The Fianance Bank Credito Real USA denied my loan. Their reasoning was beaceuse my employment couldn't be verified. I have already left the dealership with the vehicle. Employment should have been verified during loan application.
Product: Credit card or prepaid card

so I closed my explorer card and tried to move my whole credit limit over to my quest card when I did the transfer my card only had a XXXX balance on it my credit limit was XXXX and chase only moved over XXXX of the limit and not the full XXXX they kept calling it a balance transfer request it was not my account was pretty much paid and they didn't move any balances over they are holding XXXX on my other card for no reason at all it makes no sense if the account is closed with a XXXX why are they keep XXXX of my limit hostage it make no sense at all I am losing out on a XXXX limit with no fault of my own the account is closed and I charge anything on it it make no sense that XXXX is being from me I want XXXX limit moved over to my quest asap and the lady in the cooperate offices I transferred was worthless researched for a whole week and then came back and said there is nothing we cab do what was she doing for a whole this makes no sense and I want my XXXX limit back this corperate lady had no idea what she is doing what so ever
Product: Credit reporting or other personal consumer reports

Experian failed to do a proper investigation into a credit dispute. Instead they hastily came to a conclusion off of only the statement of the other company and did not take my uploaded documentation into consideration. This was after an initial investigation conculsion on XX/XX/XXXX and a re-investigation on XX/XX/XXXX. The investigations were in regards to XXXX where they were the credit lender of an item I never recieved. I reported this to the merchant ( in this case XXXX ), XXXX, and even the police. I then proceeded to follow all the instructions given from XXXX XXXX  XXXX. This was all included in the police report that they were given. The police report also indicated that the item was stolen. XXXX XXXX  XXXX stated that once the report was given, nothing further was needed and that the debt would be canceled. Instead XXXX continued to falsey report. When I noticed the negative effect on my credit I reached out. Upon doing so XXXX XXXX XXXX were mostly unresponsive of the issue, but when they did respond they blamed the other. Experian is aware of what i just stated. However, they are refusing to remove the debt of an item I never recieved. I believe there action is a violation of the consumer credit act as they did not conduct a proper inquiry. There failure to do so has lead to misleading information on my credit report and has affected my ability to recieve credit from lenders.
Product: Consumer Loan

Nissan Finance reported to the credit bureau that I am 30-60 days delinquent despite acknowledging that they received my paperwork late ( XXXX XXXX ). On XXXX XXXX, 2015, I purchased a 2015 Nissan Rogue at XXXX Nissan in XXXX, NY. I agreed to finance the car from Nissan Motor Acceptance Corporation. Approximately one month later, in XX/XX/XXXX, I still had not received a statement with my account number, amount of payment, and due date. At the same time, I received a phone call from a finance manager at XXXX Nissan ( XXXX, NY, the dealership which sold me the car ), asking me to return to the dealership to sign a document pertaining to the warranty. I asked him if this unsigned document was the reason why I still had n't received a payment statement from Nissan Finance, to which he replied that this document had nothing to do with the hold up, and that the statement should come at some point in XXXX. I never returned to the dealership to sign the document. Even though I received several phone messages to return to sign the document, nobody mentioned that the document was holding up my paperwork from being sent to the finance department. On XXXX XXXX, I received a phone call from Nissan 's Collection Department at XXXX informing me that I missed my first payment on XXXX XXXX. I called and spoke to an operator and explained that I did not know that I had a payment due. She verified that the dealer never submitted my paperwork until XXXX XXXX. She told me that since they did n't receive my paperwork until XXXX XXXX, that she would note that it was n't my fault. She told me that a statement had just been mailed on XXXX, XXXX XXXX and I should be receiving it shortly. I waited another week, and when I still did n't receive a statement, I called the same number again ( XXXX ) on XXXX XXXX, to inform them that I still did not receive a statement. This time the operator asked to verify my mailing address and he discovered that XXXX XXXX number was incorrect : I live on XXXX XXXX, and they were mailing the statement to XXXX XXXX. Since my address was corrected, I expected to receive a statement shortly after that call. But exactly XXXX week later, I still did not receive my statement. This morning, XXXX XXXX, 2015, I called the ( XXXX ) number again and asked to speak with a supervisor to find out what the problem is. I spoke with XXXX XXXX. She told me that I 've had the car since XXXX and I now owe XXXX. She said that she would waive the late charge and that it would not be reported to the credit bureau. I explained that I never received a statement, and that I had made two efforts to call to receive a statement. Today, XXXX XXXX, not only have I still not received my statement, but they have reported me as delinquent 30-60 days on my credit report, even though they acknowledged that they never received my paperwork until XXXX XXXX in order to send me my statement. I also do not think it is fair that I am behind in my payments already ( owing XX/XX/XXXX, XX/XX/XXXX, and almost XX/XX/XXXX ) all at once, when clearly the dealership did not submit my paperwork right away.
Product: Checking or savings account

I have been banking with XXXX  and Wells Fargo who were sued on behalf of customer complaints. I have yet to receive my settlement check and is due one because I was banking with both banks during the timeframe the lawsuits were filed. I have been told by Wells Fargo I do not qualify and XXXX  have not compensated me for any losses or damages Im entitled to.
Product: Checking or savings account

The company closed my account without any previous notice, I need my funds from the account to get food and necessary supplies to live with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXX XXXX appeared on my Transunion Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted Transunion to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry ( XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXX XXXX in order to get the hard inquiry removed from my credit report. I then contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my Transunion credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXX XXXX could do, as no information was available at that time. I requested credit freezes with Transunion, XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXX XXXX  again on XX/XX/2020 at ( XXXX ) XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXX XXXX XXXX lending partner, XXXX, and was subsequently connected to XXXX at ( XXXX ) XXXX. As I write this, I have been on hold with XXXX for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither XXXX nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and XXXX and XXXX XXXX are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.
Product: Mortgage

As part of my Mortgage Agreement, United Wholesale Mortgage is responsible to make property tax payment to my township. However, they have failed to do so which has put my property under tax sale by the township. Below are the sequence of events that have taken place : XX/XX/2020 : I received statement from township stating that partial payment of property tax is due by XXXX XXXX 2020. 

XX/XX/2020 : Since I have an escrow account with United Wholesale Mortgage, I emailed their customer service and tax departments about same with township tax statement attached. Their customer service acknowledged the email by giving a reference number ( Incident : XXXX ) and mentioned that they have forwarded to their tax department. 

Subsequently, I called customer service and I was told since there is a grace period of 10 days, tax department will be carry out payment by XXXX XXXX 2020. 

XX/XX/2020 : No payment was made so I called customer service daily starting XXXX XXXX 2020. Since no action was taken and only promises were made, I started sending messages to customer service from XXXX XXXX 2020. Since even the grace period given by township was expiring on XXXX XXXX 2020, I called them on XX/XX/2020 and they mentioned that their tax department has taken care of payment on XX/XX/XXXX I personally visited township tax department on XXXX XXXX 2020. They mentioned no payment has been received. Again, I requested United Wholesale Mortgage to send me the proof of payment and mode of payment so that I can take up the matter with township. Though my escrow account is debited on XX/XX/XXXX for the amount, till today XX/XX/2020 XXXX, township has not received payment and have put property on tax sale as well as started charging interest starting from XXXX XXXX 2020. 

I am attaching following : 1. My first message on XX/XX/2020 to United WholeSale Mortgage along with their acknowledgement, asking them to carry out the remainder property tax due on XXXX XXXX 2020. 
2. My township 's snapshot of the proof of payment not received as of XXXX XXXX 2020, with a title 'This Property is in Tax Sale '
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Equifax credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX XXXX and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company XXXXXXXX XXXX which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX
Product: Credit card or prepaid card

I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.
Product: Debt collection

My cousin ( whom i havent spoken to in years ) was contacted about " a debt i owed '' and i neeed to contact them before legal action was taken. I immediately called API and was shocked by the phone call. A man calling himself XXXX XXXX physically threated me and said he was going to " pay a visit '' to my grandmothers house and then rattled off her personal information. I immediately called the police in newyork where the business is located as well as the police where i am. I went as far as to have the police show up to the business. After this, they stated " they had the wrong person '' after physically threatening me and my family. i XXXX the business and discovered that they collect money and never write off the debt. When someone questions them they suddenly " have the wrong person ''.
Product: Student loan

I was in the Obama relief program for over 3 years and my loans was deferred. An payments was made on them up until XXXX of this years. this is my second time report the information to FTC. when I report them it was fixed but a 3rd party credit bureau has been falsely reporting information on my credit report after I have been a victim of Identity theft. information was faxed over to their office. plus I got a post card from life lock saying my information has been sold to the deep dark web. since I'm no longer with life lock I'm unable to obtain my post card they had on my profile. I never went to collage in the state of New York the name that I had on my credit report from a 3rd party credit bureau that a leasing agent use to verified customer credit report stated that I had to reach out to the XXXX XXXX  that I never been to before.
Product: Credit card

When requesting a credit increase from Capital One they deny the request and give a false reason for the denial.
Product: Credit card

I was waiting to receive my Best Buy credit card ( through Citibank ) in the mail and my mailbox was broken into while it was in there. I didnt know when it was supposed to arrive. I received a text message from my landlord telling me that my box had been broken into, not knowing that the card was in there yet. The thief immediately, the same day, went to a Best Buy store and purchased items. A receipt was sent to my email, which is how I found out in the first place. I called Citibank and disputed this and reported my card stolen. This purchase was for {$1000.00} on XX/XX/2024. The representative on the phone told me that they attempted to make another purchase as well but it was declined due to being over my limit, because the thief obviously didnt know my limit. After a few months of the fraud department investigating this, they sent me a letter stating that they determined it wasnt fraudulent. When Ive inquired about how they could be determining that, they never give me a real answer. Just that they have ways of determining these things. I called again to dispute it again and received a letter electronically that I cant even open but the title says its been resolved. Considering I dont have my money back, its safe to assume they resolved it again, not in my favor. Which was only days after I opened the second dispute. I reported my card stolen as soon as I found out. I did not make that purchase. The thief was very obviously not asked for ID in store, which is strange considering that is a very large purchase, and a new credit card, and not signed. The store also didnt seem to find it strange that the thief then changed the phone number on my account to what I can assume was theirs. It notifies me of this as well, which could have been problematic in the further because identity and purchase verification codes have been sent through text message. I believe this has been mishandled greatly and would appreciate a resolutions. Thank you.
Product: Debt collection

FTC Report XXXX : XXXX. XXXX XXXX XXXX XXXX response was a clear stall tactic to ask for a FTC Report when I've already submitted it through the XXXX website. Clearly you don't understand consumer law. So let me send this again FTC Report XXXX : XXXX. Look it up! This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX XXXX } You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged XXXX immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. XXXX XXXX XXXX XXXX stated they need to reach out to the original creditor WOW! So you only have an itemized bill with my name on it and no proof that I own this debt! But XXXX XXXX XXXX XXXX XXXX stated to proceed to ask the original creditor for the contract Wow! XXXX XXXX XXXX XXXX purchase this account and I dont have any contracts with Express XXXX XXXX XXXXDELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account name Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet again the file was closed with a generalised response. 
Equifax has a list of my issues and yet claims they do not know which claims I am referring to. 

ALL RECENT FINANCE REQUESTS- please provide a proof of validation including ORIGINAL financing applications bearing my signature. 

I have asked many times for this and receive only a reply to the effect of we have verified as accurate Report numbers XXXX, XXXX, XXXX, and XXXX are the recent attempts, I have many more if needed. 
ALL of the information within those reports does not belong to me - I have mad no applications for any credit in the last 18 months. 
Equifax claims to verify it, but does not provide any proof - I wish to see that verification process and the document that shows my permission to access my credit file.