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

XX/XX/XXXX I went to XXXX XXXX of XXXX and traded my XXXX XXXX XXXX in for a XXXX XXXX XXXX  and and it was financed with nissian motor acceptance Corp and I found out XXXX XXXX  my car with my credit union that there was 2 accounts open in my name because of the dealership open 2 accounts I am glad I refinance because I would have never knew about this also I canceled my extended warranty and gap coverage with fedilty warranty services on XX/XX/XXXX and they sent the check to nissian so I called nissian and they said I do not get my refund back in the amount of XXXX because of XXXX XXXX XXXX XXXX open two loans for my one car and nissian motor acceptance said that money went to my second car loan for the same XXXX XXXX kicks that i called the dealership and talked to XXXX in finance and he said he will look into it this i got a call from XXXX and he said he was overnight a check back to nissian motors and i would be refuned the amount of XXXX from nissian motors as of XX/XX/XXXX i check on the account with nissian motors it says i now owe XXXX that for XX/XX/XXXX payment and now XX/XX/XXXX payment this second account was set up in a error i should not be charged for a late payment that was due XX/XX/XXXX is crazy I just wanted to make everyone aware of what happened to me and before you leave the dealership make sure there is not 2 auto loans for the same car you are buying on Tuesday XX/XX/XXXX XXXX called me and said everything should be fixed by Friday XX/XX/XXXX and she would have XXXX to call me that same day and he did not call me back to confirm the amount of my refund would be XXXX when I talk to XXXX on Monday XX/XX/XXXX he said that the he would make a check out in the amount of XXXX and sent it overnight and nissian motor acceptance should get it by Tuesday XX/XX/XXXX I checked today Wednesday XX/XX/XXXX and it says I owe on a XXXX on a account that was open in error if you do the math the amount of XXXX and nissian motor acceptance says I still owe XXXX that means my refund would be less than XXXX I will lose XXXX due to a account open in error XXXX XXXX is saying it was nissian motors acceptance fault not there's
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXXXXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my XXXX and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Debt collection

I got a call from this debt collector regarding an account that is not mine and they refuse to remove it from my credit file
Product: Debt collection

Nationwide Recovery Systems Has been reporting to the XXXX, that I owe a debt. 
I have disputed this account several times. Yet this company insists that this account belongs to me. 
This is inaccurate and has not been proven.

1.I NEVER received a letter of Debt.

2. I am unaware of this debt.

3. 
On XX/XX/2018, a certified letter was mailed to this company to verify this debt. 
I asked for reason for debt, signed contract, and calculations of amount owed. 
It has been 30 days, and I have not received a response. 
This letter was mailed to address reported on my credit file. 
This is wrongful reporting and against the law.
Product: Credit card or prepaid card

I requested an credit increase and was denied. Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXXXXXX 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  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.
Product: Debt collection

My girlfriend was contacted by phone on XXXX/XXXX/XXXX by phone. A message was left stating that the agency would be delivering documents to appear in court and that XXXX forms of identification should be provided at time of delivery. To cancel this delivery, they would need to receive a returned call. She thought maybe this was a call for herself, as they did not mention a name in the message, so she called the number the agent provided to get more information. She spoke with an agent who went by the name of XXXX. The agent mentioned to my girlfriend that they were trying to reach me through her, that I owed a debt, what kind of debt was owed, who the debt was with and the year the debt was supposedly from. ( As a side note, they said the loan debt was from XXXX though I did not take out or owe on a loan, other than long-standing student loans, in XXXX. ) My girlfriend gave me all of the information they provided so I could look them up and report them, and all I 'm seeing are comments and reports of unethical and possibly illegal practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Equifax, XXXX Subject : Request for Removal of Canceled Debt from Credit Report Dear XXXX, Equifax, XXXX I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX XXXXXXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form 1099-C, which I received.

The Form 1099-C indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/year>, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( UCC 3-604 ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations.

Legal Background : 1. UCC 3-604 ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability.

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation 1.6050P-1.

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions. 

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

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

XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

These are the accounts that are inaccurate : 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: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX
Product: Credit reporting or other personal consumer reports

I am complaining about XXXX, Transunion and XXXX the major credit reporting agencies that have reported an account for collection under the original creditor " XXXX XXXX '' with the account # XXXX I am a victim of identity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX XXXX XXXX this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX of XXXX. This was a for-profit school that offered XXXX XXXX and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to XXXX XXXX until a year or so after because I was never notified, and then the repayments were paused because of XXXX. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the XXXX XXXX decision to forgive these fraudulent loans. 
I have requested that XXXX XXXX remove these lates, but they are no longer in business suddenly, they merged with XXXX, and XXXX says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the XXXX XXXX account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for XXXX XXXX are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my derogatory accounts and when I disputed them to have them remove from my account they werent and I was told that I still had the debt which was paid. 
I also downloaded the paid receipts from those companies that were paid off and got a letter back saying my information was not true
Product: Checking or savings account

I deposited a {$58000.00} check to my business account on XX/XX/2018 at Santander Bank in XXXX XXXX on XXXX  XXXX of New Jersey. The teller did not provide me with any funds availability note in written or verbally. I stopped by again on XX/XX/2018 to get help in vain.
Product: Debt collection

I never asked anyone money. someone used my PayPal account I don't know who people sent me money but I never ask anyone. I don't debt it.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit file from XXXX, Equifax And XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XX/XX/year> {$1900.00}
Product: Credit card

I applied for a store credit card last XXXX 2015. I never received the card or any billing statements pertaining to the application. I contacted the card issuer to inquire as to status and they informed me that they had my address incorrect. Thereafter, I provided them with an updated address. In response, I was told that they would resend the card and billing statements. Approximately, some time in XXXX I called the card issuer again because I still had not received the card. In response, I was then told that the address was not entered correctly in their system and that they would update the address and ensure that I received the card and billing statements. They informed me that at the time I had a balance on the card due to the store purchase. I, therefore, paid my balance for the store purchase. However, I informed them that I did not believe that it was fair that I should have to pay late fees and interest when they had failed to deliver me billing statements. In response, I was informed that all late fees and interest would be waived. XX/XX/XXXX, I recently learned that I have a balance for late fees and interest due to the prior balance on the card. I immediately called the representative and informed her of the history regarding the failed delivery of the card and the billing statements. In response, she was very rude and stated even though I had not received a card or a billing statement that I was responsible for going online to view my balance. I asked her how I was supposed to do that without an account number and a card to set up an online account. She then became belligerent and repeated that regardless I am responsible for the late fees.
Product: Debt collection

On XX/XX/2023 at XXXX XXXX received a call where person was trying to contact me and verify personal information. The way the man was speaking and asking for the information did not make me comfortable as said didnt need to verify address but then asked me to verify my address as well as my year of birth. I told the gentleman that I wasnt comfortable with this and was ending the call and hung up. The man immediately called me back and I answered by asking why he called me right back after I hung up. He said he needed to verify information and I responded by saying he was harassing me. He went on about saying it wasnt harassment and he kept over talking my with condescending attitude. I told him not to call me ever again because of the attitude he had and he took a threatening attitude, where I said again to not contact me again and hung up the phone. 

Afterwards I googled the phone number and found it went to Accounts Receivable Inc. the number the man called from was XXXX.
Product: Credit card

BARCLAY CARD has been a nightmare for me. Problem started when there was a repeated security breach and my card number kept ( like XXXX times ) getting compromised. This resulted in me having to change my card number, numerous times, contact all autopay bills. One occasion after that happened, in XXXX 2014 i began having this problem with my statements where every charge I made it would appear XXXX-XXXX extra times on my credit statement and then automatically appear as a credit back ( sometimes not until a later credit statement ). My statements wound up being many many pages long and you could make sense of them. There was almost no way to track whether i was actually getting credited back for all the over charges. I contacted Barclay numerous occasions, spent close to XXXX hours on the telephone ( over a XXXX month period ), spent XXXX+ hours trying to track my statements and make sense of what was happening. It was so complicated I gave up. I would call and speak to supervisors and be assured they would look in to it and call me within XXXX hours and never once did they return my calls. I spoke to no less than XXXX different individuals ( many of whom were supervisors ) and the problem never got resolved -- i continued to receive false charges and a confusing statement and XXXX help from the company. This problem continued month after month. I finally cancelled the card and then to add insult to injury they went back and are now charging me for the fraudulent charges in XX/XX/XXXX. They also seem to never have any record of my calls or complaints or who i spoke to. I am an attorney who is self employed and bills by the hour. This nightmare has cost me $ XXXX in lost income ... and the nightmare continues. I have never had any experience like this in my life. WORST customer service and response ever.
Product: Credit card or prepaid card

Citi Cards have restricted me from speaking to a customer service agent via telephone or " secure chat '' on their mobile app due to a dispute over an annual fee refund. On a recorded line a Citi authorized agent agreed to refund the annual fee due to poor service and lack of transparency. I must note again the event was via a recorded line! In addition they failed to adequately service a co-branded card, which had a legal dispute ... resolved confidentially via the merchant and I. As a 13 year Citi Gold customer I am disgusted they will not let me downgrade or close my Citi Prestige card via online or telephone ( I want a product conversion as a closure would lower my credit score ). They want me to write in to South Dakota during COVID-19 putting myself and family at risk to get stamps at the post office ( unnecessary when staff is encouraged to work from home ). I am outraged that they hold my deposits and three credit cards and charge me an annual fee of {$490.00} for a travel card when travel is essentially restricted to essential work not leisure. Citi should be investigated for putting their premium customers at unnecessary risk during these uncertain times in an attempt to mask their poorly trained staff 's lack of basic service. I think I have a right to challenge a top 4 US bank if they lie and try to cheat a customer ... after taking billions in tax dollars in a bail out. In addition I am a shareholder of Citi and thought the institution learned from their previous regulatory fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am reaching out to see if you can help me find some assistance with the Depraved Indifference from Bank of America. For the past 2 years I have reached out to the Bank of America and have gotten the run around, the police, medical professionals and now a lawyer. My dad has been a customer at Bank of America for over 20 years and in the past 2 years is banking activities have become erratic and questionable. He goes to BOA at least 3 times a week and writes checks to to his " Girlfriend :, I have spoken to agents at the bank I have called to no avail. My dad has given over {$80000.00} away and now he is giving his pension and Social security way every month which leaves him with less than {$7.00} at times. I do not understand how the bank does have train individuals in place to help identify these cases. Unless the Bank employee are in on the SCAM. He is going to the same bank, with a chair sitting in line making friends with the people at the teller. 
I have spoken to the bank they said they can not help me, I asked the police to trace who these people are I have a police report but NOTHING HAS HAPPENED. 
I have tried to convince him that this " girlfriend '' is not real. I don't understand how hard it is to get help to find these people. I have their names : They are cashing the checks. There are even checks without his signature and forged handwriting. 

These are the people : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is it so hard to get help. everyone know this is a crime/ scam but there is nothing in place to help!
Product: Credit card or prepaid card

On Friday, XX/XX/2020, I contact my credit union, XXXX to inquire if I could pay off my two auto loans in the amount of {$3000.00}. The credit union stated that I could. Once I made the payment I was sent an email and text from Capital One asking to authorize that amount. I did, however no where did it mention a cash advance fee of {$92.00} or that I would be getting one. I asked them to dispute the charge or to reverse and they would not do either. I was unaware of this fee as they did not advise upon their request to authorize.
Product: Debt collection

The original complaint was not properly reviewed ; as a result I am resubmitting a new complaint to have the issues of the original complaint addressed properly. 

My issue was with the unprofessional actions of Cater-Young 's employee XXXX XXXX. Additionally, the address Carter-Young has in your system is incorrect, so I did not receive the notification. Because I was not notified by XXXX XXXX XXXX XXXX of the transfer of the medical debt to Carter-Young collections, I was unable to provide either parties with a updated mailing address. 

If Carter-Young 's employee XXXX XXXX would have continue the conversion and not hung up the phone before the conversation ended, Carter-Young would have been informed that my mailing address changed. Because Carter-Young did not have the correct address information and did not allow me to provide updated address due to XXXX XXXX 's rude and unprofessional behavior, I still do not have the required information to make any payments. 

As mention to Carter-Young employees, I am more the willing to pay off the debt as I was doing directly with XXXX XXXX XXXX XXXX ; filing a collections account on my my personal credit report is unnecessary. Especially since, I was not properly notified of the collections account, and am willing to settle the debt as I was doing with XXXX XXXX XXXX XXXX. Please have the collection account removed from my credit report.