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

On XX/XX/XXXX I received a payoff letter from Nissan Motor Acceptance Company in the amount of {$24000.00}, which included sales tax in the amount of {$1200.00}. This amount also includes the purchase option fee of {$300.00} as listed in the lease agreement. This purchase option quote is good until XX/XX/. 

On XX/XX/XXXX I initiated a call with Nissan to confirm if I had a last payment due in XXXX since I had established a new loan with XXXX XXXX XXXX XXXX XXXX ( XXXX   ) and the first payment was due in XXXX with them. At this time, I was told by XXXX XXXX from Nissan Motor Acceptance Company that the payoff was done incorrect, and I owed an additional {$880.00}. I told them this is unacceptable as the XXXX has already established my new loan and sent them the full payoff and why did it take me to initiate the call and not be notified within 30 days? Saying that after talking with XXXX and his manager ( who hung up on me ) today we have determined that they have processed the check that was sent to them. On XX/XX/XXXX I received an email from XXXX XXXX dated XX/XX/XXXX and addressed to XXXX  that they received check # XXXX for the funds totaling {$24000.00} to payoff the captioned lease. However, the letter states they are unable to process this payoff for the following reasons. 

___ Payoff received was short by an amount of {$880.00} ( I have asked them repeatedly to explain this! ) ___ Other : XXXX PURCHASE OPTION FEE PLUS SHORTAGE XXXX ( What does this mean? ) In the meantime, they are accruing interest on my loan due to their mistake they refuse to own up to. 

I hope you can be of assistance to their shady dealings, and I plan never to use Nissan Motor Acceptance Company again! 

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

I received letter from Experian stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with Experian and read their response. I then received on XX/XX/2023 a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all 3 bureaus and I only received Experian. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} - Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open
Product: Payday loan, title loan, or personal loan

In accordance with 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 XXXXXXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

ISSUE # 1 The end-of-day balance on XX/XX/XXXX according to the online ledger and, according to my knowledge, was {$64.00}. However, the bank charged me {$100.00} in overdraft fees for transactions done on XX/XX/XXXX because of transactions that came thru on XXXX 

ISSUE # 2 The bank also charged me {$35.00} to place an ACH block on XXXX  and this block would stop this company from going into my account. However, on XXXX  this company attempted to debit my account. However, I did not incur a return check fee, and the bank said this is how an ACH block works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact XXXX XXXX  Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. The amount settled was XXXX. XXXX settled for a lesser amount and sent me a 1099 for XXXX. When I spoke with XXXX, they were aware the account was paid. 

Experian updated my credit report and claimed XXXX was written off. I made XXXX in payments on a balance of XXXX. Experian updated my account to reflect paid in settlement : XXXX written off. The amount written off after payment would have been XXXX.
Product: Credit reporting or other personal consumer reports

This loan is not a foreclosure its an installment debt and should be reported that way immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Experian and XXXX  have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX several accounts that are not mine and several others that I was never late on. I also have unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting or other personal consumer reports

I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/XXXX, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear CRAs I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report, Experian report And XXXX The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX I dont recognize these lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$130.00}
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In early 2022, I received mail from BHG promising loans specifically for licensed healthcare professionals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for and quickly received a loan for {$20000.00}. Although the monthly payments of {$430.00} were a struggle to maintain, I made 15 payments for a total of {$6500.00}. Realizing that this loan was a terrible, impulsive mistake on my part, I contacted BHG to inquire about paying the balance in full. I was told that the balance of the loan was {$23000.00}, but that because I was attempting to pay it off early, the payoff amount they offered was {$46000.00}. I told them that this was an obscene amount to expect me to pay on a {$20000.00} loan, and I am currently awaiting another offer. I feel I was targeted by BHG due to my history of using payday loans. I have a mental illness that I am trying to recover from, and I explained this to them, only to be given a bad-faith payoff offer that is well over twice the original value of the loan. In my experience this is a predatory company exploiting vulnerable people.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I have a loan with Chase/Amazon Card. I have always made my payments on time. For some reason, I realized that there was late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
Product: Money transfer, virtual currency, or money service

Zelle, owned by major banking corporations, does not offer any protection from financial scams. Most, if not all of the owners banks offer fraud protection, so to not offer protection through Zelle is misleading and unethical.
Product: Mortgage

We want to file a complaint against Chase Home Financial , Inc. 
Chase, against our will, paid our property tax ( XX/XX/XXXX-XX/XX/XXXX ) in XXXX, XXXX, and put it in escrow. Ever since Chase has been adding late fees and threatening to foreclose us. By foreclosing, Chase intends to steal XXXX {$300000.00} ( equity ) from us. 
This is absolutely absurd. although we have been making mortgage payment every month, we have n't paid the escrow because Chase already took more than {$6000.00} from us within the past three years ( XX/XX/XXXX-XX/XX/XXXX ) in escrow-related matters, and & gt ; {$6000.00} pretty much pays for the XX/XX/XXXX-XX/XX/XXXX property tax. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

We sent a following letter to Chase on XXXX XXXX, XXXX. 
Dear Chase : We have got {$10000.00} in hand, but we are not paying the escrow as you claim at this time. After thinking about the problem we have with our mortgage payments over the last eight months, we have come to think that we already paid the escrow and do not owe it ; or, in another word, you already took the money from us, saying that we owed you the monies for home insurance ( {$2600.00} for eight months ) in XX/XX/XXXX and numerous late fees since XX/XX/XXXX to this days. If you foreclose us as you are threatening us, you are going to steal our equity of ~ {$300000.00} in the house as well. 
Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

Sincerely XXXX & XXXX XXXX XXXX XXXX, MD XXXX : Chase Home Loan # XXXX : CFPB Case # XXXX ( continued )
Product: Debt collection

I am not sure where to send this comlaint, but its about Jefferson Capital Systems LLC. They are based in another state, but I am getting harassing letters from a XXXX XXXX XXXX in XXXX, NC and I already know they have been hit by a class action lawsuit over this for violating the FDCPA. Looking to file a complaint online led me here.
Product: Debt collection

I 'm working with XXXX and all my creditors know I 'm going through financial difficultly at this time. They all have been informed since XX/XX/2014. Chase Credit cards continues to call my work phone even after sending them a letter and telling them not too. I sent chase a certified letter stating to work with XXXX XXXX XXXX who are representing me. They know this and refuse and say it 's not in their policy. I ca n't receive and take calls from them at all. This is the number they use to call XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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