23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
Product: Credit reporting or other personal consumer reports

I notified Transunion on XX/XX/year> that the times on my credit report are not mine as result of identity theft. Transunion is reporting false information. /the items per the FTC I did not open and had nothing to do with. Why am I being penalized for Transitions error of even letting any of these account be put on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Exerian has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX- I have unsuccessfully attempted to fix this matter via phone and USPS. My latest attempt was to speak to a manager in the U.S. as I could not understand the foreign voice on the telephone. She REFUSED to transfer and insisted that I speak to her about my problem. 

As of XX/XX/2023, Equifax show no information about me ( personally ) or any credit information relating to me on-line. Three dealerships have attempted to access my report for consideration of purchasing a new vehicle, but denied me because they too could not access any credit information from Equifax. This morning I double-checked ( XX/XX/2023 ) and the problem still persists. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX 

I sent correspondence via a USPS flat envelope which was received XX/XX/2023 @ XXXX. I enclosed, as I was instructed, a written request in letter form, a copy of my driver 's license, Social Card, and I also send 2 forms of Proof of Address. The USPS tracking number is XXXX. I demand they check their records and tend to this matter immediately.
Product: Credit card or prepaid card

I had a Ollo credit card that, it turns out, was issued by the XXXX XXXX XXXX according to the Ollo agent I spoke with on XX/XX/XXXX. I didn't use my card that often ; the last time was a few months ago, because it has a very high interest rate. In fact, I had to transfer a balance using a personal loan last year because the interest rate was over 30 %. Today I was looking to make a purchase with my Ollo card but it turned out that the account was closed. I looked through my emails and there were none from Ollo Card indicating that this would happen or that it had happened. The online Ollo " message center '' also did not include any messaging indicating my account would close if I didn't use, or that they had even closed it last month. I spoke to an agent XX/XX/XXXX and she told me the following : ( a ) that Ollo Card had closed my account in early XXXX ( b ) the Ollo Card had slipped into their credit card agreement a provision indicating that Ollo card doesn't have to communicate major changes to the account or impending changes to account status ( such as closure ) at all. 

That is, they can make changes to the account with informing the customer either before or after. 

Also, Ollo Card did not provide monthly statements for the last XXXX months and thus missed out on an opportunity to communicate impending changes related to my account. They did this deliberately, which was confirmed by the Ollo account rep I spoke with on XX/XX/XXXX. This was a regular practice even if I receive electronic statements. They only provide account statements in certain months of the year, which is not outlined in advance. 

This was just sort of the abusive practices that banks used to practice in the lead up to and during the housing crisis of XXXX. Its possible the XXXX XXXX XXXX ( Ollo Card ) was one of the banks that routinely failed to communicate with customers or " lost '' mail sent to them. But wasn't this practice the subject of new legislation in XXXX?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments that are not correct or the same as other credit reports on an account that I was never late for. Consumer reporting agencies have taken on a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. the account : ( XXXX ) : ( XXXX ) Investigate and provide evidence with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on time as they should.
Product: Mortgage

After contacting RP Funding on the phone and by certified mail, they still have not corrected the math on my escrow account. 

My loan closed in XXXX of last year and initial funding of escrow was made. Every payment since the close has been on time, including the required escrow payment. 

RP Funding has failed to perform the appropriate mathematics since they made an erroneous insurance payment on my account in XXXX of last year. They then went through and made several entries to my account attempting to reverse the error, credit the error, reverse the error, etc. In all of the RP Funding attempts at error correction, RP Funding failed to credit {$25.00} to my escrow account somewhere. The detailed accounting of the escrow payments since loan inception is detailed in the attached letter that was sent via certified mail to RP Funding 30 days ago and never responded to by phone or mail, and certainly not by correction to the account.
Product: Mortgage

Ditech Mortgage I have field a previous complaint. This weekend I received certified letters regarding a demand for over {$2700.00} for non payment for the months of XXXX, XXXX and XXXX, that I had not made these payments, notice of to foreclosure and an application for a modification. Also, similar documents were sent to my brother regarding the same property. The problems are : 1. I  have not missed ONE payment on my mortgage since Diteck assumed my mortgage ( many years ), I have all my bank records demonstrating my payments. 
2. My bother XXXX XXXX does not own this property 3. I own this property exclusively 4. My bother, XXXX XXXX is deceased. 
5. XXXX had previously reported on my credit report there were TWO FIRST mortgages on this property which was never true, impossible to have two first mortgages on the same property. This error caused my credit score to plummet 6. On an earlier occasion they reported I had a zero balance, which was not true 7. And they reported that my mortgage was included in a bankruptcy which was not true 8. Whenever I have tried to call them a voice menu requires I provide them the loan number and when I do, the call automatically transfers to another company that represents XXXX and that company say they can not discuss my mortgage without XXXX XXXX approval. 
9. I have written XXXX directly and have had no response other than THIS NOTICE OF DELINQUENCY, IMMEDIATE DEMAND FOR PAYMENT, and risk for foreclosure. 

I believe these recent notification are vindictive in nature and a result of my earlier complaints.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i Paid Volkswagen credit {$19000.00} and purchased XXXX XXXX the consumer credit report equafax is reporting it open. XX/XX/XXXX XXXX Volkswagen credit {$19000.00} and purchased XXXX XXXX the consumer credit report at equafax is not reporting it closed
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$1400.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2019, I applied for a Macy 's credit card as I was looking to purchase an engagement ring. As the credit granted was for XXXX dollars, I didnt use it as it wasnt enough for such a purpose. Moreover, I never receive the physical credit card neither notified the account number of such credit thus I never used it. Several months after, I checked my credit score and realized that my Macy 's credit card was closed because I had missed several payments. Such action has deeply affected my credit score therefore I have not been able to access other financial instruments. 

The first time I called to solve this issue I was told that the purchase was for some shoe brand that I have never heard of before and that it was going to be investigated and that I didnt need to do anything further. As a company with a good reputation I trusted the process, however, months later when once again I checked my credit score, I found that the issue was still unsolved. Once again I called and now, I was told that to solve the issue I needed to have the physical account statements of such credit card to open the investigation, but as I told before I have never received anything regarding such credit card. The customer service representative checked my address and realized that the address didnt have the unit number thus she helped me to correct it and ensured me that I was going to receive them from 7-10 business days, however after 2 months I didnt receive such statements. Tired of not being able to improve my credit score because of this issue, I called the customer service number and they told me that once again, the representative didnt correct my address and, that was the reason I still didnt receive the statements. However, she told me that in the meantime I could send this letter to this department explaining my particular situation. 

I appreciate you can help me to solve this issue, as I have stated before I have never used this credit card and it frightens me how easily malicious people can use my personal data and affect my credit score directly. Moreover, it astonishes me how can it be possible that another person had access to such a credit card if even I have never seen physically such a credit card. Also, it chokes me how tedious has been the process to solve this issue and concerns me how customer service representatives can tell one thing and then on another phone call say another. It has been more than a year since the first time I called to solve the situation and still I dont see clearly when I am going to be able to clean and improve my credit score.
Product: Credit card

I purchased an airline return ticket via XXXX on XX/XX/XXXX from XXXX to XXXX for {$280.00}. Flight dates were XXXX. However, I fell ill and was unable to travel. I called the airline and they advised me thats its fine I will be counted as a no show but I can rebook in the future for a {$100.00} fee. When attempting to rebook via XXXX on XX/XX/XXXX, I was told that the rebooking fee would actually be {$200.00} because they used two one way tickets for my booking, plus their service fee of {$45.00} and any difference in ticket prices. I said okay no problem. This time I was flying from XXXX  to XXXX, the ticket was roughly {$280.00}. Therefore, my total rebooking cost should have been no more than {$240.00} ( rebooking fees + difference in ticket price ). XXXX however sent me a price of {$550.00}. When I asked for a breakdown in fees, they refused to give such. They are attempting to illegally overcharge consumers blindly. 
I reached out to my bank, JP Morgan Chase to dispute this transaction and they told me the charge was valid without even requesting any documentation from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting non payment to XXXX XXXX  in the amount or {$160.00} since XX/XX/15 and apppears on Credit Report as OPEN for collection. 
At that time XXXX reported to me that no payment was due.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITACPT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent XXXX, XXXX, EX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, XXXX, EX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX ; 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C. 681 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 or 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

There are fraudulent inquiries that were attached to fraudulent accounts that have already been deleted from my credit report. These inquiries should have been deleted along with the accounts but were not. These accounts should be deleted immediately.
Product: Debt collection

XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX THE MANAGER XXXX XXXX ( XXXX ) XXXX REFUSES TO ACCEPT I CANCELLED WITHIN XXXX DAYS VIA THE TELEPHONE. AT THIS TIME XXXX AND HIS FINANCE COMPANY MOMNT ARE REPORTING TO THE CREDIT BUREAU THAT I OWE THEM {$15000.00} FOR A SHOWER THEY NEVER INSTALLED. THE SALESMAN CAME TO MY HOME OFFERING FREE CONSULTATION FOR SHOWER/BATHROOM INSTALLATION AND STATED IF I DECIDE THIS PROJECT IS NOT FOR ME CALL THIS NUMBER AND CANCEL OR CALL HIS CELL AT ( XXXX ) XXXX. THIS SALESMAN 'S NAME IS XXXX. I CALL TOLD XXXX I DECIDED THEIR PRODUCT WAS NOT FOR ME, AND I WANT TO CANCEL WITHIN XXXX DAYS TIME HE STATED. HE TOLD BE THAT I PUT HIM IN A BAD POSITION AND HE WOULD GO AHEAD AND CANCELL. HOWEVER, XXXX XXXX XXXX XXXX XXXXXXXX AND THEIR FINANCE COMPANY MOMNT CREATE AN ACCOUNT AND START BILLING ME AND REPORTING ME TO THE CREDIT BUREAUS FOR NON-PAYMENT. I REPORTED THEM TO THE XXXX XXXX XXXX  AND WAS ONLY ASSIGNED A CASE # CID : XXXX.
Product: Credit card

I obtained a debit/credit card called Daylight. They were strictly a mobile banking entity and did not have a brick & mortal bank location. The card closed operations in XXXX of this year and I had a savings balance with them of {$6300.00}. I followed their instructions on how to transfer my balance to another account between XX/XX/2023 & XX/XX/2023 ( splitting it up over 4 transfers : {$2000.00}, {$2000.00}, {$2000.00}, {$330.00} ) but they pulled the funds back between XX/XX/2023 & XX/XX/2023 and now the website and mobile app are no longer available. I do not know how or who to contact to get my money. I believe the backing bank was called XXXX, XXXX. and their routing number is XXXX. I am out {$6300.00}. Please help me get my money back. Here are some links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Monday, XX/XX/2021, I was looking for a {$70000.00} Personal Loan to fund a renovation I am running in my house and I checked the rates with SoFi ( Social Finance , Inc. ) and they were attractive. They only pulled a soft credit with a credit bureau ; they pre approved me. 

Then, next step was to send an official application, when they would pulled my credit info from a bureau. In a given screen about immigration status they offered 3 options to be chosen from : XXXX, XXXX XXXX holder, Non-immigrant ( option that would limit the the loan to T {$35000.00} XXXX. I, then, on the same day XX/XX/XXXX, chatted with a customer support representative BEFORE SUBMITTING THE APPLICATION to understand what I should do as my situation is having an EAD/Advance Parole holder with a EB-5 Green Card application approved ( I-140 ) awaiting the card to be issued. I was informed by the agent that if I had the approval letter I could submit my application, as a green card holder. 
Note : I was logged in so they have that conversation store in their system. 

I proceed with the application and was approved for up to {$90000.00}. I ended up keeping a {$70000.00} request. Following, they requested me to send me my docs and after a lot of back and forth a agent calledXX/XX/XXXX. stated clearly that I had to submit an I-797 Form with my green card approval to be finally approved. I sent that and after more back and forth the agent XXXX XXXX denied the loan unless I fulfilled this absurd request to add a XXXX or XXXX XX/XX/XXXX holder to my application as a co-signer ( even to get less than {$35000.00}, the opposite of what they stated before ). 

I refused to do so as I earned a great credit as an individual, paying my bills and taxes diligently and I am the only responsible for my personal finances. Then, they denied my request, left me without the loan and with a credit score hurt by their hard inquiry - even though I presented all documents requested.
Product: Credit reporting or other personal consumer reports

Reached out to Transunion for the 3rd time today in regards of dispute made that account came back as " verified ''. Representative said it came back verified, i asked how did they verify and they said creditor just verified without any documentaion. Letters were sent certified mail, fax & via cfpf requesting method of verification. I have confrimation that they reccieved all coorospondance and followed up via call to ensure that they reccieved it. Was on the phone with rep for 45 minutes with the rep and he failed to help. Once i stated that i was going to take legal action due to my rights being violated and i would be seeking damages then i was transferred to a specialist. Specialist did not help with my request at all after advising them that this account keeps coming back " verified '' the rep told me that they dont have to provide proof of verification. Once i stated that i was being violated of my rights as a consumer, the rep said that they sent method of verification in which earlier he said they never did and did'nt have method of verification. When asked for proof of method of verification specialist hung up on me with saying anything. I am very disappointed in this company and would be taking legal action against them in this account isnt removed in 24 hours. I provided the documentation that they asked and i never reccieved the method of verification.