23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

am writing regarding an account with the name " XXXX XXXX '' and account number ending in XXXX. This account was opened on XX/XX/XXXX, with an original balance of {$680.00}. The account is currently listed as a collection account, and the status was updated as of XX/XX/XXXX. As of XX/XX/XXXX, the balance remains at {$680.00}, and it is marked as past due. 

Concerns : The account has been reported as a collection account with no payments or adjustments made since its opening in XX/XX/XXXX. 
The payment history shows a " C '' for collections each month from XX/XX/XXXX through XX/XX/XXXX, with no indication of partial payments or attempts at settlement. 
There has been no communication from the company about resolving the outstanding balance, and I have not received any offers for payment arrangements or settlements.
Product: Credit reporting or other personal consumer reports

My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against XXXX XXXX XXXX XXXX in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance carrier but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX XXXX XXXX XXXX XXXX sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX XXXX  reason, XXXX XXXX began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against XXXX XXXX for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in ANOTHER credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.
Product: Debt collection

Merchants & Professional XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Product: Debt collection

I received an alert from my XXXX app on my phone stating there was a new account reported. When I opened the XXXX app to check this, I saw it was a collections account for a company named National Credit Systems. When I went to look at details, I found the following information : Creditor : XXXX XXXX XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$12000.00} I went to XXXX to search XXXX XXXX XXXX and got a number of results. With not knowing which result was the correct one, I then went to contact National Credit Systems to see if I was able to gain more information. Called National Credit Systems and was not able to get more information on the situation. I was told they had a form that I could fill out that could possibly help resolve this and I was sent an email containing a letter. The letter contained instructions on how to access the form needed on their website and also the link to their website. I am currently submitting National Credit Systems Identity Theft Victim 's Complaint and Affidavit form and will also be submitting documents listed within their website to hopefully resolve this. National Credit Systems was able to let me know the apartments were located in Florida. I was able to locate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone number provided on XXXX for the apartments ( XXXX ) XXXX. I have contacted this number numerous of times with no answer. I have left numerous voicemails with no call back yet. I have even submitted a request as if I wanted to possibly rent with the apartments to see if I could get a call back and nothing.
Product: Vehicle loan or lease

I received an auto loan with Wells Fargo in XXXX. I never received my SCRA benefits with me being a servicememeber in the military. Not only that, but I was never notified about these benefits or was never granted these benefits after being notified about this in XX/XX/XXXX. In XX/XX/XXXX, I made a payment to pay for my car loans for two months ahead but for some reason they reversed the payment to my bank and they never tried to resolve this issue which caused me be thousands of dollars behind in car payment. They doubled my interest rate to 12 % when my interest rate was supposed to be 6 %. And my car was never supposed to be repossessed. On the day my car was repossessed, I was never notified and I never got the chance to retreive my belongings, important documents, and military uniform out of the vehichle before they took the vehicle away.
Product: Vehicle loan or lease

We financed with XXXX XXXX XXXX XXXX to buy out my current leased vehicle with hyundai capital America doing business as XXXX XXXX  XXXX. The vehicle VIN is XXXX. It was paid off on XX/XX/2023 with amount {$29000.00}. We contacted their title department to release my title multiple times since I paid off and they said the title was mailed out on XX/XX/2023 without tracking number and refuse to provide any proof that the title was mailed out. As of today XX/XX/2023, my current lien holder still did not receive the title. Since it is a leased vehicle, there is no lien release letter and only XXXXXXXX XXXX can call IL XXXX to get a duplicate title and update the names on the title. We contact them every 4 business days ( which is their indicated time window to process our request ) for multiple times till now and every time they just gave a different excuse but not actually get the title for us. It caused me a lot of trouble trying to sell this vehicle without a proper title.
Product: Credit card

First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.
Product: Vehicle loan or lease

I set up a payment to be taken out my checking account for my car payment on XX/XX/2024. I received a notification on XX/XX/2024 that the payment didnt go through. I immediately made a payment to Santander Consumer Usa with the debit card associated with my checking account and made a payment for {$280.00}. My monthly payment for my car note is {$270.00} but I was charged a extra free to make a payment with my debit card. On XX/XX/2024 Santander took out another payment from my checking account for {$270.00}. Therefore a duplicate payment was made to them in XX/XX/2024. I have contacted these people NUMEROUS TIMES REGARDING THIS MATTER!! The same day they took out the last payment I tried to see if they would refund it back immediately because it took from my rent I needed to pay. I asked the rep over the phone why did they take out another payment and he said it was an accident! I was told I needed to send in documentation showing the payments had posted to my account. I have sent these people NUMEROUS DOCUMENTS SHOWING THE PAYMENTS HAVE POSTED AND HAVE BEEN DEBITED FROM MY ACCOUNT AND THEY STILL ARE WITHHOLDING MY MONEY IVE REQUESTED THEY REFUND! They keep making Excuses about the documentation sent but what im sending is what is on my bank statement and its showing the payments have been debited and posted but they are refusing to refund my money! I contacted them today and have also filed a complaint with the XXXX. When I contact them today I spoke with a XXXX who was Rude! I have sent them documentation today as well for my bank statement to their email. The executive office employees cant even do their jobs and refund the money! These people need to be REPORTED!! NO ONE CARES IF MY RENT IS BEHIND DUE TO THEM TAKING THIS PAYMENT OUT OR IF I HAVE ANYWHERE TO STAY! THESE PEOPLE LACK EMPATHY FOR THEIR WRONG DOING TO THEIR CUSTOMERS AND IM SICK OF DEALING WITH THEM! I WANT MY MONEY REFUNDED IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reporting to XXXX XXXX removed my XXXX Account from the report which negatively impacted my score by 13 points. There is no reason to remove the account from the report. The account is active, paid on time and had a positive impact on my credit score prior to its removal. There is no explanation as to why this occurred. XXXX indicates it is currently reporting this account to the three credit reporting agencies. 

Accounts Removed XXXX XXXX   XXXX  - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2019 and XX/XX/2019, your credit card with XXXX PERSONAL MASTER was removed from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We Filed Bankruptcy in XXXX of XXXX. Ocwen Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.
Product: Credit reporting or other personal consumer reports

Opt-Out Request Under Relevant Regulations and Statutes. 
I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a.

As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law.

Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies.

In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent.

Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Money transfer, virtual currency, or money service

Detailed below, but the summary is that Coinbase sent me an email falsely stating a transaction had been cancelled when it hadn't been, which resulted in me incurring fees that I otherwise could have avoided, not to mention a fair amount of stress. Here 's what happened : On XX/XX/2020 I submitted a trade request to Coinbase to purchase bitcoin by funding with an ACH transfer from my bank. Due to an account number issue with the bank, the ACH transfer failed. On XX/XX/XXXX, I received an email from Coinbase saying the bitcoin purchase transaction had been cancelled. 

The following day I logged in to coinbase and discovered the website reported that the bitcoin purchase had not in fact been cancelled, I owed USD funds to cover the bitcoin purchase and that a 5-day clock had started ticking on the XXXX for me to resolve the missing USD funds or else my other currency possesions would be liquidated. I subsequently tried to contact Coinbase but was unable to get anyone to help me resolve the issue. I eventually had to wire funds into Coinbase rather than ACH because the clock didn't leave enough time left. 

Their customer service was terrible and I was never able to get anyone to identify what the problem was nor any indication from anyone that they would try to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Credit reporting, credit repair services, 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. 

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 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 an 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 card or prepaid card

On XX/XX/2023 there was a hard inquiry showing on my credit report stating that Capital One performed a hard inquiry. Therefore, I contacted Captial One and the credit bureau as well as XXXX to let them know that I had not applied for a Capital One card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

On XX/XX/2023 there was also a hard inquiry showing on my XXXX credit report showing that a XXXX card was also applied for and a hard inquiry was performed on my credit. Therefore, I contacted XXXX, the credit bureau, and XXXX to let them know that I had not applied for a Chase card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

The customer service representative for XXXX explained that I needed to do a inquiry dispute on their website, which I did perform. After disputing the hard inquiries, they were dropped off my credit report. 

As for Capital One and XXXX, both companies looked into the issue to see if there was an application on file ; however, both companies told me that they did not see any applications in my name. 

On XX/XX/2023, I saw that another hard inquiry had been placed on my credit report from XXXX XXXX. Therefore, I contacted XXXX XXXX and XXXX to let them know that I had not applied for anything at XXXX XXXX  and this was fraudulant activity. XXXX told me to fill out another inquiry dispute. Later, the inquiry was dropped off my report. 

Fortunately, I was able to catch the matter before any money could be charged on the cards.
Product: Mortgage

Im concerned that the lack of communication with PHH Mortgage Services, which is placing my residence at risk for foreclosure. I was behind two months prior to COVID-19. I reached out to the lender for forbearance as recommended by financial experts as a result of COVID-19. I received an email, dated XX/XX/XXXX, which appeared to indicate that my forbearance request had been approved. I sent two months ( XXXX & XX/XX/XXXX ) payments with the stimulus money I received via bill pay through my bank. However, the payments were returned by the lender. I have been unable to access the mortgage account online. Im also pursuing unemployment benefits and am awaiting payments. 

I spoke with two representatives, on XX/XX/XXXX, in an attempt to get answers to my concerns. The first agent ( XXXX XXXX was unable to answer my questions regarding why my payments were returned and the deferred balance that is represented on the monthly statement for XX/XX/XXXX. Acknowledging that she was unable to answer my questions she transferred me to her supervisor, XXXX ( Agent XXXX ), who informed me that the payments were not accepted because of a Notice of Intent, which he explained to me the meaning. I explained to him that I had not received a Notice of Intent and the decision I received from the mortgage company informing me that the forbearance request had been accepted. He assured me that he would email the Notice of Intent, which I have yet to receive. He also advised me that the forbearance was not approved. We also discussed the Deferred balance that is reflecting on the account which is close to the cancellation of debt ( XXXX ) by Ocwen which PHH Mortgage Services is a subsidiary. This account was included in a lawsuit filed against Ocwen for failing to process a loan modification request. His response was the regular principal balance and the deferred principal balance equals the outstanding principal balance on the account. Im not sure if Im being charged an interest rate for both balances as opposed to the one outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the phone with a rep by the name of XXXX who works in the XXXX XXXX department of Experian. I was told by previous reps that work in the special services department of Experian that if I submit my ID, SSN Card Utility Bill, FTC Report with the accounts I'm disputing listed on my credit report along with my ID Theft Police Report, they will block the fraudulent accounts reporting on my Experian Credit Report. But, after speaking to XXXX, who confirmed that he received all of the above mentioned documents, he said they have the right to not block fraudulent accounts from my credit report even with the documents I provided. He instructed me to read FCRA Section 605B, Section C. He informed me that this FCRA law gives him the right to not block, or even dispute the fraudulent accounts showing up on my credit.

So while he was on the phone, I reviewed Section 605B, Section C and it states the following, " FCRA Section 605B, Section C states that consumer reporting agencies may not provide certain information in consumer report if it relates to a " bankruptcy case '' that is more than 10 years old, or any other negative information, that is more than 7 years old. '' The above mentioned states no where in this section where it does not give the consumer the right to have fraudulent accounts blocked or disputed, so what he informed me and was trying to educate me about does not apply to my situation. 

But, based on, FCRA Section 605B Law, it allows bureaus to block fraudulent accounts reporting on my credit report. This section states that id you provide the credit reporting agency with an ID Theft Police Report and an FTC ID Affidavit Report, they must block any information related to the fraudulent account from appearing on your credit report. This is done in order to prevent the false information from negatively impacting my creditworthiness. 

I asked to speak to a supervisor, which one was provided to me, but right in the middle of me speaking to him, somehow the call dropped and I was not given a return call. 

XXXX who works in the Special Services department confirmed that he sees all my documents clearly. Then, after he read his notes in the system, he said, and I quote, " Based on the Notes the last rep said, my documents aren't clear. ", then he proceeded to state that now that he is looking at my documents again, the ID is not clear as well as other documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.