23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Nissan hit me with a 30-day late fee for my car payment. What had happened was Nissan FAILED to send me a bill, so I forgot to pay it. It was my understanding that they are required to send me a bill every month for my loan. We called Nissan and explained what happened - they said they would waive the late fee and would make sure that the late payment did n't show up on our credit report. Not only did it show up, but it shows up as two 30-day late payments. I called Nissan to discuss, and they said " ok, we will review your complaint and send you a letter with our determination within 30 days. '' I never received anything in the mail or via email, and was never contacted about it again. 

This is the only derogatory item in my credit report - goes to show that my creditworthiness is outstanding, and that I had no reason to miss car payments. I have over {$15000.00} of available revolving credit, and I 'm utilizing less than 5 % of it. This incident does not accurately reflect my creditworthiness, and I feel that Nissan has been dishonest with me and has not acted within the bounds of the Fair Billing Act and the Fair and Accurate Credit Transactions Act in its dealings with this situation. 

In my credit report, it says " late dates : XXXX - 30 [ days ] '' however, it lists two 30-day lates under " number of 30-day past due payments '' - please see attached screenshot of my credit report. There is also innacurate information showing under trended data for XXXX 2016, when a full payment was obviously made but not fully and correctly reported. 

If Nissan Motor Acceptance Corporation has a record of the phone call, the call was likely made from XXXX of XXXX numbers : XXXX or XXXX. Please contact me for further information if needed. I have nothing to hide and will fully cooperate until this is handled property.
Product: Money transfer, virtual currency, or money service

last week the Coinbase app kept failing my ID verification for this reason I cant use it for trading, therefore I cant take my money out, I called the customer support and after been in several calls one of them for more than one hour they didnt resolve it and keep repeating that I dont know how to set up a new password. I have sent my ID via email PDF attached with the three images requested and they refuse to validate it or fix the app, they also refused to believe me I am not receiving their emails to change my credentials to log in on browser I insisted they must have my email or devise blocked but they dont want to contact their IT department to fix it, or escalate and just keep repeating to me that i need to look for the email in my spam folder, they dont want to debug their app and are holding my money illegally for not letting me have access to it, I provided the verification they requested and still no resolution or access to process transactions
Product: Debt collection

I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... .these debts was obtain without my permission and I have filed an identity theft report ... ..please remove from my file
Product: Debt collection

T his company, NPG, has repeat edly called and harassed me and my elderly mother. They have called my husband. I called them twice and when I disputed the false claim, they hung up on me. They emailed me a docusign file and asked me for my credit card and banking information.
Product: Payday loan, title loan, personal loan, or advance loan

LENDING POINT has put my credit and life in jeopardy, attached you will find 1st a confirmation from Lending point that they OVER withdrawn my bank account and refunded my money since the account was paid off on XX/XX/XXXX. they reported to ALL credit bureaus that the account is CLOSED as of XX/XX/XXXX confirming the same... I have just gotten notification from XXXX that they have maliciously and fraudulently reported that the account is 30 DAYS PAST DUE as of XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on Transunion and XXXX XXXX listed as CURRENT. 
The Payment Status for this account on XXXX is listed as LATE 90 DAYS. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please see attached letter submitted to Equifax regarding online portal access that has been disabled. Equifax has continued to ask for my social security card and driver 's license. I have submitted this information, yet I spend months still trying to gain access to the portal to retrieve my reports. Once ninety days has lapsed, they request the information again stating it is outdated.

This needs to be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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, 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 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 XXXX 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 or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. XXXX XXXX, XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, XXXXEPT OF EDUCATIONXXXX 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

On XX/XX/2022 XXXX XXXX Transunion and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. XXXX added a {$1.00} charge to a closed charge off account this is a violation 15USC 1681m. I disputed the validity of the account and XXXX charged a closed account XXXX dollar which played a part in my score dropping over XXXX points on XXXX. XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance, XXXX XXXX XXXX, 36 month lease, started on XX/XX/XXXX, {$490.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date. 

Kia Finance, XXXX, XXXX, 36 month lease, lease started XX/XX/XXXX, {$220.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.
Product: Checking or savings account

In XX/XX/2022, I went onto the PA Treasury 's website to see if there were any unclaimed properties in my name. I check this website periodically throughout the year. I was shocked to see that I was owed money from my bank, Wells Fargo! I filed a claim to recover my money. {$130.00} had been sitting in a closed account for over 10 years! I know this because of the address they had on file when the account closed. 

I was also received notification that a check for {$50.00} was sent to me in XX/XX/2022 but it was never cashed. I called them & asked why I was issued the payment. They said that it was from a closed account! I told them that I never got the check. They said they would reissue it within 30 days! I questioned why it couldn't be deposited into my account. They told me they could not do that! I'm still waiting for my check!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EQUIFAX. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i.

Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS IS FRAUD NEVER LIVED HERE I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT OWE XXXX XXXX XXXX NOTHING FRAUD FRAUD FRAUD [ PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my life.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I had became an authorized user on a capital one account my score was XXXX XXXX in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital one account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from capital one and credit one XXXX is not showing anything and is saying I was removed from capital one which is incorrect from XX/XX/XXXX to XX/XX/XXXX im still an active capital one member for my own account as well as the account that XXXX listed on as an account XXXX with full access
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2022 -- My renter XXXX XXXX sent me rent like he has done every month via cashapp -- for quite a substantial time. I logged into my $ XXXX cash app account and attempted to transfer the money to my newest account, since I was previously locked out of my old account due to my phone being stolen. I have done this same process for multiple months -- with absolutely no issue. My renter sends XXXX every month -- this month after a XXXX transaction posted to XXXX -- - {$430.00} was remaining in my account under $ XXXX. 

When I attempted to log into the account and send to my newest account -- Cash App signaled a " Suspecious Activity has been detected, your account has been locked for further review by a Cash App Support Member. '' So I opened a ticket requesting assistance -- as my monies to pay my rent are now locked down -- and the answer I get from Cash App for over 5 days now is : " '' Keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

Thank you for contacting us! In the meantime, feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. 

Regards, Cash App Support '' '' Meanwhile -- I have called and spoken on the phone with them twice -- I have verified my identity and verified any and all information on the account. Including All mailing addresses 's ever associated on the account -- The Bank Account attached to the Cash App profile -- Transactions - dates, times, amounts. 

And they refuse to provide me any assistance, or help me get my monies. I have now been served with an eviction notice because of this situation. I NEED HELP PLEASE!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Trying to close my Robinhood Marketing account. They are refusing to release my funds to my verified banking account. 
I have tried resolving this and I just keep getting put back into the automation cue for a week now.
Product: Credit card

I was offered an award from the Chase XXXX awards card for XXXX bonus XXXX points. When I tried to sign up for the award by clicking through the email, it said the offer wasn't available. I called Chase and explained the issue and she said she didn't see the offer on my account ( despite me having several emails with my account # offering me the award ) and I should send an inquiry online. I sent an inquiry in XXXX and for the last 2 months Chase has written back with varying excuses as to why I was not eligible or my activity did meet the requirement ( spending {$6000.00} between XXXX ). Today, I called Chase after too much run around online and the agent now indicates that although I am eligible and my account shows that I spent the {$6000.00} in the time window, they could not honor it because something did not post until after XX/XX/year>. Apparently only they can see this different posting date as on my account it shows all activity listed in XXXX. The email for the award specifically says in fine print " Purchases posted to your account with a transaction date during the offer period are eligible for this offer ''. All of my transaction dates were within the promotion period.
Product: Consumer Loan

I was dealing with Imperial Credit for my monthly payments on my motorcycle. I was never sent the title to my vehicle when the loan was paid in full. My motorcycle was involved in an accident and was totaled. My insurance company can not pay me for the motorcycle until I give them the title. I have made numerous attempts to contact the owner of the company and he will not respond to my emails. The voice mail has been removed from his cell phone. I now have a check made payable to my husband, my son and Imperial Credit for my motorcycle that I can not cash. I have sent a certified letter demanding a response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan purchased by Mr. Cooper XX/XX/XXXX. There was a change in insurance at the same time, resulting in escrow shortage. I remitted approx {$6600.00} extra, instructing it be applied to escrow with the old lender. Mr. Cooper received the account with shortage. I spoke with XXXX XXXX, and remitted another $ XXXX to bring shortage back up to par, but they did not post to escrow, they put in unapplied funds. Then they raised my payment to cover the shortage that the $ XXXX was intended to cover. Then I send in payment, and they put in unapplied as it was not the inflated payment they wanted, putting me further in the hole with them. Spoke with XXXX ( XXXX XXXX won't give last names ) XXXX, who indicated problem would be resolved the next week and he'd call back. No call. Called XXXX and re-explained the entire thing to XXXX. Again, she promised to call at XXXX mountain on XXXX. Didn't call. I called again XXXX and was told XXXX unavailable , so made appt for XXXX to call at XXXXXXXX XXXX. He did not. Called again after all the appointments lapsed, and told them I was submitting this complaint, as I can not spend my work hours fighting to get them to do their jobs.