23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Equifax sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Product: Debt collection

this account is still being reported " open " which is a VIOLATION " OF MY RIGHTS 15 U.S.C. 1692 ( G ) ( B ) according to " CFPB '' LAWS, this account was written off, discharge, and sold, I don't have an agreement with RESURGENT CAPITAL, please also provide me with the " ORINGINAL PURCHASE AGREEMENT with my wet signature along with payment HISTORY, and validation that you own debt and can collect of ownership, this account showing " open '' and inconsistent dates with all three credit reporting agencies PLEASE EXPLAIN TO ME A CHARGE OFF THAT THE ORIGINAL PURCHASER HAS SOLD AND BE OPEN WITH A BALANCE OF XXXX BUT RESURGENT IS REPORTING A DIFFERENT BALANCE THEN REPORT CREDIT AGENCIES WHICH THEY REPORTING, ^ RESURGENT XXXX XXXXXXXXXXXX XXXX XXXX WHICH IS AN INCORRECT AND THAT IN ITS SELF IS INCORRECT AND I request immediately removal of this inaccurate reporting from my credit file RESURGENT has " FAILED " TO PROVIDE WITH THE ABOVE, INCORRECT INFORMATION EVEN IF IT WAS XXXX XXXX " IS NOT ACCURATE REPORTING ACCORDING to fair credit act
Product: Debt collection

I called credit systems international number Mcm and they said they no long have my debt. I asked them why it still shows on my credit report and they said they dont know why and not able to remove it because it is not with them anymore. They could not provide me with info on who I need to speak to about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) Experian has erroneously reported a late payment on the XXXX XXXX  account. I would like to emphasize that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Experian has provided inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) Experian incorrectly indicates a late payment on the XXXX XXXX account. I want to clarify that this account has never been late. Consequently, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian includes a late payment record for the XXXX XXXX account. It is important to note that this account has never been late. Therefore, I request the removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Experian has provided inaccurate information on the XXXX account. I kindly request the correction of this erroneous data on my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Experian has also reported inaccurate information regarding the XXXX XXXX account. Specifically, the information on my credit report requires correction. I kindly request that Experian rectify this erroneous data.
Product: Vehicle loan or lease

In XX/XX/year>, I took out a loan to purchase a vehicle. However, I got scammed and never received the car. I filed a police report. Navy federal customer service told me I still need to make {$700.00} + monthly " car payments '' for a car I never received. For the last year and a half ive been struggling to make car payments for a car I don't even have.

Ive reached out to navy federal numerous times within the last year and a half for answers on how someone was able to walk into a Navy federal branch and cash a check and scam me. How come security measures wasn't in place? I had a customer service rep tell me, that the person who scammed me is a Navy federal member and has an account.

Which means navy could
at least provide some type of help to resolve the issue!!!! they are giving me zero answers. Im not getting any help at all, this is unfair and is causing emotional distress due to the lack of corporation. 

I was told im still responsible for the payment which is unfair since Navy isn't providing any answers, and it seems like whoever allowed the person to cash the check at the navy branch, is also in the wrong. 

im still suffering the consequences from this scam a year later. I struggle to pay this loan. Not getting any answers, no help. This has caused a lot of emotional distress.
Product: Credit card

I had an account takeover and lrotected all accounts even if nonactivity was fraudulent. I have been with ulta since XXXX and they are my fav company. I called ulta to geta card and they kept telling me someine would call to verify my info. No call both time. I tried again last month but was told i needed to semd my ss card dl copy front and back to bread financial. I was really hesitante since i had id theft but ask a XXXX at an actual ulta store and they said that was normal. Aince it was the only was to get the card i did it via email XX/XX/XXXX. I was also supposed to get a letter vut never did. When i openes my mail yesterday there was a letter saying they closed my account so i called. 
The lady seemed like a acammer not ulta but idk. She qas unterested in a police report i filed and could not give me dates and info of when and why i had called. She said maybe i called XX/XX/XXXX or XXXX. I asked XXXX diffrent reps why i was closed and they said maybe they couldnt verify my info they think but said i couldnt knnow my own info. How can i not know my oqn info and why close my account when i send my document. I am now conxerned at who i was talking to and sho has my personal document. I am so upset because can not get another card and there was no reason to ckose my account when i did what they asked. I spoke to XXXX in the ulta commenity XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Transworld systems reported to my XXXX after balance was paid.
Product: Debt collection

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and  validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this alleged debt. Please prove that you are the original creditor. 

This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it May concern : The situation is the following, my synchrony bank crate and barrel credit card limit was decrease from {$9200.00} to {$3500.00} in the date of XX/XX/2022. 
I did received a letter XX/XX/2022 giving me information about it. 
But the reasons presented are meaningless. 

The balance of the card is more than 30 % but is not even half of the credit limit. 

I have never made a late payment and I have always paid more than the minimum monthly amount And finally I found disrespectful after spending so much time with your bank card that they reduce the limit to a lower amount than when I opened the account. 

I asked for information by phone the date of XX/XX/2022 but no solution was given to me from your customer service. 

I respectfully request that you reconsider the action taken. 



Regards.
Product: Debt collection

The only reason I knew this debt was still trying to be collected is the debt collector ACTION REVENUE RECOVERY XXXX XXXX XXXX XXXX, LA XXXX Placed a negative report on my credit. This is medical debt that should have been billed to the VA. Under current laws posting this is an illegal action. 
The original company was notified by the VA in writing that they incorrectly billed the VA. There was no attempt to correctly bill the VA. 
Also no notice of collection was ever sent to me by this company before they posted negative credit information. They never attempted to validate the credit and never gave anything in writing to me. The only reason I knew this is on my credit was due to my score changing, I had to get the number and name from the credit score agency. 
When I tried to talk to this collection agency, I was yelled at to stop talking and they wanted my name. When I told them to stop yelling at me they continued to interrupt me and I cused at them to stop yelling at me. Then they hung up. I attempted to call back, they stated " we ain't talking to you enjoy your credit ''. Then hung up. I called again. The person stated are you done cursing at me and raised his voice again asking me for my name, I asked to speak to a XXXX he stated he is the only XXXX today I'll have to call tomorrow. When I asked for his name he got angry and stated he already told me his name and hung up on me. This company is a shark and is showing it is a shady company doing illegal practices. My XXXX is now triggered and I am having XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a loan with Conns Credit Corp that slipped into collections back in 2017. I want to resolve the outstanding balance, but Conns Credit is stating that my owed balance is {$6600.00}. I believe the remaining balance of the loan is actually closer to {$3000.00}. That's what my pay-off was when the loan defaulted. I have repeatedly asked Conns Credit for a detailed account history, documenting why they are asking for {$3000.00} more than what I actually owed. They have not supplied me with the documents I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter on XX/XX/2023 and about 2 weeks later I received a letter saying that they needed mor time to investigate. Thirty days passed and I still never received results so I sent out another dispute letter on XX/XX/2023. I still havent heard from the company or creditors so I am only left to assume that they are using stall tactics and violating my rights. Even the certified mail receipt was dated incorrectly and I feel like that was on purpose. Through out this whole process I have been unable to view my credit report online or dispute anything online or request a report be mailed. When I call in they just tell me its in review. According to the FCRA disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX 

I would like to file a formal dispute regarding an account listed on my credit reports. I have an account with XXXX XXXX XXXX for a vehicle that was affected by XXXX XXXX in XXXX, which was paid for by the vehicle 's insurance, but XXXX XXXX refused to cover the remaining depreciation of the vehicle, affecting my credit report The Consumer Credit Fairness Act ( FCRA ) and other regulations may provide certain protections and guidelines. Additionally, agencies such as the XXXX XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) may offer additional resources. However, for events related to natural disasters, credit agencies and financial regulators may implement special measures, such as including a XXXX as a natural disaster on credit reports. These additional measures are often based on internal credit bureau policies and guidelines provided by government agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the XXXX XXXX XXXX XXXX ( XXXX ).
Product: Bank account or service

My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company Binance US is a Crypto Currency Exchange company where you can buy Crypto Currency. They are holding XXXXXX/XX/XXXX coins and XXXX XXXX coins since XX/XX/2021. I have put in multiple tickets with no fix since that date above. I have paid all fees and also did account verification with no fix in site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 loans with XXXX, all of them have been on AUTOPAY. In the middle of the covid pandemic I got notice that my credit has been affected. I contacted XXXX to fix it and they said they would and to file a report online and with the agency. BUT NO ONE fixed it. Then they sent me a letter that I am in good standing for the past 24 months, but they sent it for the wrong loan number! Now my credit is ruined due to them, they wont fix it they are such a mess and unorganized. I have been on autopay and they are stating they couldnt deduct money from my account even tho they did deduct it for the other two loans!
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 XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed accounts be removed IMMEDIATELY!! 
Unauthorized Accounts Dept of Ed XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern, My lender ( Chase ) issued me a short sale approval letter today and it expires on XX/XX/2019. This is ridiculous. There is no way that the buyers lender will be able to adhere to the TRID Guidelines. 1 ). The lender has to have 3 days to get the disclosure out to the Buyer 2 ). The Buyers Underwriter has to review and 3 ). Underwriter conditions would have to be cleared prior to closing. So, there is a reason that the TRID laws state that a lender has 45 days to close. I NEED HELP!!! The Short Sale Lender only approved the short sale for 4 days, which is unheard of. The are not only being unreasonable, but they also are not in compliance with the TRID Laws. I have done everything that i can to get this to happen, but if the lender refuses to cooperate, then i have no choice but to get you involved. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax had changed my credit score after they did not receive a monthly payment from me. My score dropped XXXX points for no reason there is no explanations as to why my score dropped XXXX points. This appears to have happened after they did not receive a payment. I do not need to pay Equifax when the score is free on XXXX XXXX 2. Equifax has not removed and old account ( XXXX XXXX account that should have come out of my report in XX/XX/2022. I have been disputing this account for years XXXX and XXXX have already deleted this account. Please assist with this issue updated and corrected thank you. Account is over 7 years old.
Product: Credit reporting or other personal consumer reports

Accordance to USC 1681a ( 2 ) I never gave written consent to have these accounts to be furnished/reporting on my consumer reports!