23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX, XXXX XX/XX/XXXX XXXX : XXXX Advanced Resolution Services, Inc. 
XXXX XXXX XXXX XXXX, AR XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 

Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for timeshare company XXXX XXXX. I spoke with their employees who were introduced to be someone other than a sales persons, they said they're also timeshare owners with XXXX. Their names are XXXX, XXXX XXXX, XXXX XXXX & there are others I can't remember. They also claimed not to work on commission, we were advised that our purchase would not benefit them directly. They told us we're making good financial investment because we would never have to spend money for vacations & that we can also make money from it, they informed us that the timeshare would eventually pay for itself from renting it out. They said it has some tax benefits similar to owning a 2nd home. They also told us that resale value would go up, they even shared us prices of how much value went up by each year. They told us that our points could also be used to pay for maintenance fee if we upgrade. They promised the record contract would solve our financial issues with the first contract. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' like they had to be on the phone with someone from headquarters in order to give me the price being offered. I felt pressured and rush when they told me it's my last chance at the lowest price, that it was a " grandfathered in '' price that would never be offered again. They took copies of our IDs & they had me open a credit card for this, which I never received a copy of the application & I was not made aware of the fees. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were told that they were closing office soon. Some threatening statements from XXXX, he told us to lie when signing documents or we would not get the price promised to us and we could be questioned as to why that price was promised. They never told us how cancellation process is, even after I contacted them that I wanted to cancel. I even emailed XXXX XXXX multiple times for cancellation request, I also faxed a cancellation request they claimed to never received. I have emails to XXXX XXXX & XXXX XXXX. We didn't even know how many days to cancel, they only informed me after I was already past it. I've had financial difficulties due to this timeshare, I'm unable to pay any outstanding balances/maintenance fees, I was also unable to pay off my student loan because I used the money to pay for the card. My ex and I broke up due to the problems with finances & how we could pay the timeshare. I experience a lot of XXXX  and issues because of this timeshare, I am working a lot of overtime at work in order to recover financially. They're also calling from the payments everyday, I even lose sleep over the stress of the timeshare. I had the worst experience with this timeshare, we were made a lot of promises that were never met. We were treated very nicely during the purhcase process but we're not able to get any help when we needed assistance. We were simply defrauded & lied to.
Product: Debt collection

Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Urgent Request for Resolution and Deletion of Erroneous Account Information Dear Sir/Madam, I am writing to express my frustration and disappointment regarding the lack of response to my multiple attempts to dispute and validate an account reported by Nissan Motor Acceptance Corporation ( NMAC ) on my credit reports with XXXX, XXXX, and XXXX XXXX 
Since XX/XX/XXXX, I have sent numerous dispute and validation letters to Nissan Motor and the three major credit bureaus regarding this matter. Despite my consistent efforts, I have not received any acknowledgment or response from any of the parties involved. The details of my grievances are as follows : XXXX. Duplicate Account Reporting : I had previously lodged a complaint with Nissan regarding the duplicate reporting of an account to the credit bureaus. In response to Complaint # XXXX filed with the Consumer Financial Protection Bureau ( CFPB ), Nissan stated that they could not find any account under my name. 
XXXX. Lack of Validation : Despite sending multiple dispute and validation letters, I have not received any validation of the account in question. Furthermore, during my telephone conversations with Nissan representatives, I was informed that Nissan 's system could not locate any account associated with my name, social security number, or any of my personal information. 
XXXX. Verification by Credit Bureaus : It is extremely concerning that the credit bureaus continue to verify this account despite Nissans inability to verify or locate it. The credit bureaus ' actions are not only erroneous but also misleading, as they suggest that the account is legitimate when Nissan has explicitly stated otherwise. 

The continued presence of this unvalidated and erroneous account on my credit reports is causing significant damage to my credit profile and financial well-being. As I have exhausted all other options, I am now demanding the immediate deletion of this account from my credit reports with XXXX, XXXX, and XXXX. 

The lack of response and resolution from both Nissan and the credit bureaus is unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I will have no choice but to escalate this matter further, including seeking legal remedies to protect my rights. 

I request a written confirmation of the deletion of the erroneous account from my credit reports within 15 days of receipt of this letter. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA.specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account valunerable and unprotected, there dispute resolution was unfair and didn't comply with error resolutions requirements under the electronic funds transfer act and regulations E these actions has cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I. { PFS } reported to the Credit Bureau, XXXX a derogatory item of medical debt on my credit report before the date of the validation letter dated XX/XX/XXXX. XXXX has reported that { PFS } submitted the derogatory item on XX/XX/XXXX, irregardless of any time to determine if mailing was undeliverable. Upon further review on XX/XX/XXXX, I obtained a periodic copy of my credit report through { XXXX }, a credit reporting and scoring company the noticed the debt placed for collection on XX/XX/XXXX. Also noted in the COMMENTS section, is a false, deceptive, and a misleading representation, where { PFS } placed a designation that ACCOUNT INFORMATION DISPUTED BY CONSUMER, and which I could not had been on record of disputing any issues or items, when a validation letter was not even noticed or mailed before XX/XX/XXXX. 
II. { PFS } is attempting to collect a debt where it, or the current creditor is not assigned or expressly authorized by the agreement creating the debt, and offered no proof that they have the legal right to collect the alledged debt, during the period beginning XX/XX/XXXX. Current billing records obtained from XXXX, a contracted provider of { XXXX } to store patients medical and billing records, requested by me on XX/XX/XXXX, provides that { PFS } or { PCPLLC } has not supported they can legally collect the alleged debt, and has refused to offer any proof when requested multiple times. 
III. { PFS } is attempting to collect a debt where it used false, misleading statements and instructions in there XX/XX/XXXXXXXX  validation letter, implying that I would receive an accurate verification of debt ; by the furnishing of proffered documents and records, before negative information was provided to credit bureaus. They have unreasonably refused to verify accuracy of the debt. 
IV. { PFS } is attempting to collect a debt where it is clear there has been a billing error. I was not notified of the alledged debt until on or after XX/XX/XXXX at the earliest, where { PFS } in its validation letter dated XX/XX/XXXX, is using a different billing address used by the original creditor and the current creditor. Evidenced by the copy of { XXXX } alleged original billing statement requested by me from XXXX on XX/XX/XXXX ( invoice date XX/XX/XXXX ), and the { PCPLLC } verification letter dated XX/XX/XXXX, both use the same unknown billing address. The alledged original billing record from the XX/XX/XXXX billing period, includes a now due date of XX/XX/XXXX ( invoice date XX/XX/XXXX ) .This copy indicates that there is no payment due. If the alledged debt is determined owed by me, the reporting to any of the three major credit bureaus should not commence until a required wait period from the time I was first notified that the medical bill had become delinquent. 
V. { PFS } is attempting to collect a debt where it has not provided a copy of a contract or other document evidencing an agreement of debtor.
Product: Mortgage

Nationstar Mortgage acquired my home mortgage from XXXX on XX/XX/2016 after I made my XX/XX/XXXX payment. I was not notified of this until early XX/XX/XXXX via a letter from Nationstar dated XX/XX/XXXX which I did not receive until XX/XX/XXXX. The letter said I had a XXXX day grace period to make my first payment to them. I made my first payment on XX/XX/<YYYY> They reported my first payment as XXXX days past due and because of this I do not qualify for Harp. I have made repeated requests that this be corrected and they just send me letters saying they are investigating.
Product: Credit card

Good morning and thank you for reading this information. I am a client of Carecredit/Synchrony and My account was enrolled in a plan. 
After contacting Carecredit/Synchrony Bank XXXX XX/XX/2023. The issue was related to a financial hardship I was having and was unable to pay my account. After speaking to the representative that day over the phone my account was closed, and I was advised that based on the information I provided I was able to secure a Payment plan due to my expressed hardship. After enrolling and making several payments I was shocked to learn via a statement that I was imposed an additional charge for interest, I contacted customer services and was advised that a senior manager would attend to this matter. Months have passed by, and I have yet to hear from anyone. At the time of my enrolling in the payment plan ( XX/XX/2023 ) my balance was approx. {$850.00}. However, upon receiving my statement for XX/XX/2023 closing date my new balance reflected {$1000.00}. The summary stated it appears to be an interest charge for {$260.00}. If your office can kindly assist me with this matter, it would be greatly appreciated, I can't seem to comprehend why and I refer to the below caption that if my account was already closed why Synchrony would add that additional interest charge during a n existing Payment Plan. 

" " Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' ''
Product: Mortgage

I applied for a mortgage forbearance plan with my mortgage servicer company Quicken Loans as my family income has been adversely impacted by the Covid-19 pandemic. My mortgage is an FHA-secured loan which was subject to the temporary relief afforded by the CARES ACT, signed into law in XX/XX/2020. 
A 6-month forbearance was approved by Quicken Loans in XXXX, XX/XX/XXXX. My approved forbearance plan allowed me to temporarily reduce my mortgage payment through XX/XX/2020. 
Under the temporary relief afforded by the CARES ACT, at the beginning of XXXX,XX/XX/XXXX, I requested a 90-day extension of the forbearance plan, which was also approved by Quicken Loan. The extension of the forbearance plan allowed me to reduce my mortgage payment to XX/XX/2020. A letter from Quicken Loans dated XX/XX/2020, confirming the forbearance plan extension is attached herein. 
However, in first week of XXXX, I received a big package of documents from Quicken Loans, indicating that my loan was past due 153 days, and that it was in default. The documentation attached with the package indicated that Quicken may start foreclosure procedure see Frequently Asked questions section, page 4 of 4. A scanned copy of the package is also attached herein. 
I contacted Quicken loans right away. I had conversation with a representative XXXX XXXX on XX/XX/2020 at XXXX XXXX  eastern time. Our conversation was recorded, and XXXX read me a disclaimer that any information obtained could be used to collect a debt. However, XXXX XXXX informed me that I was secured by the forbearance plan and that as part of the forbearance plan, I would keep on receiving monthly statements. 
However, when asked why I was getting a NOTICE, he could not answer to my satisfaction. He repeated his assertation that You are OK. 
I remember the cruel and rampant and at times, illegal foreclosure actions taken by the mortgage servicer companies in the last housing bust during XXXX. Assertions by the representative of Quicken that I was ok did not reassure me. In fact, after receiving this new Notice, my XXXX  have increased ( in addition to the XXXX  related to the COVID-19 situation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
Product: Credit reporting or other personal consumer reports

They have the wrong date that i started XXXX no I started XXXX and graduated XXXX they have the account as if it is still open and it is making a negative on my credit account. 
This is on XXXX  and it has as big as day late payment sitting on the front of my credit report as if the account is still opened
Product: Vehicle loan or lease

I am writing because I think your behaviour towards me in trying to collect the debt is unreasonable and could be considered to be harassment. 
Prizm financial has called me numerous times, in fact on a daily basis, despite me asking them to stop repeatedly. They have called my family multiple times with harassing calls despite them also asking for the calls to stop. I make my payment regularly on the XXXX of every month and every month they continue to harass me and my family. 
I am mentally affected by these harassing calls and emails. It is very upsetting and is emotionally draining to be called so many times through out the day and night. 
I have been advised that, under the Financial Conduct Authoritys Consumer Credit sourcebook, it is an unfair and improper business practice to continue harassing me by phone on a daily basis when I have asked you multiple times to stop. They have ignored my contact preferences numerous occasions.
Product: Credit reporting

I have been trying to file a dispute with Experian regarding an inaccurate item on my credit report, but Experian will not accept the dispute saying it was previously disputed. I tried to upload additional documents to support my dispute, but their system keeps giving me errors, although it is the correct document format. I have had this issue with Experian time and time again. 
The item I am trying to dispute is the following : XXXX XXXX XXXX, Acct # XXXX ... 
This account is being reported inaccurately by XXXX on my credit report as a foreclosure or shortsale. This was a forgiven debt by XXXX in which they forgave the debt in a settlement with the DOJ. 
Experian needs to allow me to dispute this item, and they need to fix their website so that I can upload additional supporting documentation
Product: Mortgage

I needed to change the bank BB & T Bank used to Automaticly Draft Payment from. On XXXX/XXXX/2015, I went on the BB & T websit and changed the bank from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. My {$590.00} payment was set up to be withdrawn, but since my XXXX 2015 payment was due the next day, and BB & T Bank website noted it would take at least XXXX payment cycle before my payment would be automaticly drafted, I elected to pay the {$590.00} payment immediately. The next day, XXXX/XXXX/2015, BB & T automaticly drafted another payment of {$590.00}. So, I called BB & T Bank and asked for EXTRA payment to be refunded. I was told to go to my local BB & T Bank Branch and fill out and sign some forms and provide a copy of my bank printout showing the BB & T Bank withdrawals from XXXX XXXX XXXX. So I complied with both requests. One week later, I was called again by BB & T Bank saying they could not fullfil my request because I had not sent the copy of my bank transactions from XXXX, I explained, I had, they said they would contact the branch. Later they called me back saying it would take them another XXXX business days to wire the funds back to XXXX. It is now XXXX/XXXX/2015, I checked my BB & T Bank Mortgage account and the funds were finally taken back out on XXXX/XXXX/2015 ( 15 days after the error ) but still had not been sent to my XXXX XXXX XXXX checking account. I hope it is not legal for them to keep holding back my money, because I am having to pay 15.50 % interest on this money they are keeping from me.
Product: Credit reporting or other personal consumer reports

This is not a dispute. I previously disputed this XXXX XXXX   account with Transunion numerous times. I repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Transunion and spoken to representatives, I'm told " Well we just transmitted electronic information to the creditor. I'm also told it's not up to Transunion to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Transunion to remove it and block any future reporting by XXXX XXXX  related to my TransUnion credit report because it is required by law to not allow fraudulent reporting by creditors. I previously provided a copy of the cease and desist letter to Transunion and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Transunion has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint. Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.
Product: Student loan

To Whom It May Concern, In my attempts to pay off my loans with Navient early, they will not allow me to view my repayment allocation for the the years XXXX. My monthly repayment minimum was also reduced to extend my repayment timeframe even after purposeful extra payments to reduce it. Thank you for your time.