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

The following car loan company is of my complaint. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX My account # at XXXX is XXXX XXXX XXXX XXXX XXXX XXXX 
filled out form on the phone with XXXX for a deferment on XX/XX/XXXX after confirming the following payment with him as he spoke with me earlier that after that payment I would be qualified for a deferment Thank you for your one-time Bridgecrest payment made on XX/XX/XXXX using Confirmation XXXX Payment date : XX/XX/XXXX Payment amount : {$340.00} Service fee : {$3.00} Total amount charged : {$340.00} Payment status : ACCEPTED Account number : XXXX Payment method : Debit Card XXXX I was told that I would receive via email a docusign or in the mail. 
2. I called customer service after a week or so and was told someting entirely different : " You must go online to receive docusign. '' I then did not see it there. 
3. I called XX/XX/XXXX to ask what happened, was not given information. 
4. Called XX/XX/XXXX was told it was because of a discrepancy of {$9.00}. Oh so I was told to pay it and reapply. 
5. I paid the following amount Dear XXXX Confirmation number : XXXX Payment date : XX/XX/XXXX Payment amount : {$10.00} Service fee : {$3.00} Total amount charged : {$14.00} Payment status : ACCEPTED 6. Calling to fill out deferment on Friday XX/XX/XXXX I was told the agen could not hear me properly so I told her I will call back in hour. 
7. IN one hour another agent this time a female with the same name as the male agent XXXX said it was too late filll out form and that repo time was next week. 
8. Called again to get yet another agent named XXXX a male, told me I was not able to even apply now had the wrong information about how many payments I made so I simply said I wil report to government agencies of the situation, and that it was not only a setup by lack of information and status but fraud on the part of not helping a consumer with the true information needed. 

This company has other complaints similar and several lawsuits in action that they play XXXX and give false information and isnturctions in order to set up the car owner with a repossession. 
I have health issues and am over the age of XXXX and this is too much for me and my vehicle is essential for my work and eating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXXXXXX XXXX on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXXXXXX credit card at XXXX XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.
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 Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX AUTO XXXX Account # XXXX, XXXX. XXXX XXXX XXXX  Account number 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 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: Debt collection

I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO BANK OF AMERICA CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that the account listed is currently involved in pending litigation. Given the circumstances, I am requesting that you immediately remove this inaccurate account from my credit report. The account is in dispute, and its presence on my report is not only misleading but also potentially harmful while legal proceedings are underway.
Product: Debt collection

Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
Product: Debt collection

Choice Recovery has been calling me about a debt that I did not know about last XXXX XXXX, 2015. I just recently found out, since checking my credit report that they have reported my debt that was actually from a dental bill that I thought was already taken care of as I was in and out of the dental office about at least XXXX times this year for my cleaning. I was always told that I did not have any outstanding balances. I know I have the right to get a letter about my outstanding balances and I never got one. I also know that 5 days after the collection company contacts you, they should also send out a letter about the debt they are trying to collect and from whom. I never got this. If it was not for me checking my credit report, I would have never knew about this debt. In conclusion, I am complaining about the unfair practices of Choice Recovery and the fact that they never sent me any other notice ( written letter ) besides leaving a very unclear message that they are a debt collector but never saying who they are calling for.
Product: Mortgage

XXXX XXXX, XXXX, XXXX XXXX, Ca XXXX Loan # XXXX NationStarMy name is XXXX XXXX, I have a XXXX loan which was modified in XX/XX/XXXX to 2 % step up. At the time of the loan Mod, the details were unclear and told to accept as my prior loan was at 6.875 % interest only. I have paid my loan on time and NationStar Mortgage now holds the loan. I work as a volunteer with a HUD approved Housing Counseling organization XXXX and our group have helped over XXXX homeowners keep their homes. I was written up in the Ca. Law review for exposing lenders bad practices. I am writing about the Pay for Success incentive offered by XXXX XXXXwhich states that payments made on time for 1st 5 years get {$5000.00} applied to principal reduction and 6th year another {$5000.00}. applied to principal reduction. I called Fannie Mae XX/XX/XXXX and they verified that I was eligible as a XXXX loan and advised that I should have been given the first {$5000.00}. XX/XX/XXXX. I called NationStar Mortgage and tried XXXX times to make contact. When I was able to speak to someone, it was rude and told that they would foreclose if I could n't make payment. That was not my question. It was about the Pay for Success Incentive. I also wanted to see if I could set my interest rate. I had received notices from NationStar that my loan was fixed for XXXX months.The last conversation was that they apologized for not putting the incentives on paperwork when they purchased the loan. Then I received a call that I was not eligible, then I was. 
I am entitled to this incentive and request your help in obtaining this incentive. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

They stoled my Bitcoin on XX/XX/XXXX by rejecting it then send ing to my other crypto address with XXXX no one will mine so its been sitting there for two weeks as of today I have called sent plenty of emails messages and no return calls back nothing straight scam there the worse company I have ever dealt with I want my XXXX money like XX/XX/XXXX th now XX/XX/XXXX th XXXX scammers i will never do business with scam of company and i am alerting everyone about this scam of a operation I hope something happens to all the people that work there XXXX scammers like that shouldnt be breathing are air
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX XXXX about a Capitol one bill that was not on my credit report. I was told they were the collection company for Capitol one. I asked to a pay for deletion or XXXX balance letter and I was told that they don't offer that. I was told the only option was to pay the bill in full. Yet after speaking with many other they told me they had the same company and they were able to get a settlement offer. The account was from a few years ago so I'm sure it was written out so I should have got a XXXX schedule for this matter
Product: Credit reporting or other personal consumer reports

Immediate Deletion of Unauthorized Accounts and Inquiries Pursuant to FCRA Section 604 To Whom It May Concern, I am demanding the immediate deletion of the following accounts from my credit file, as they were obtained and/or reported without permissible purpose under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] : 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 Section 604 of the FCRA explicitly prohibits a consumer reporting agency from furnishing a consumer report unless specific, legally permissible purposes are met. These accounts do not have my authorization, nor do they meet any of the statutory conditions outlined in Section 604 ( a ).

I have not been provided with : Any certification or evidence of permissible purpose.

Prior notification of these inquiries or accounts.

Documentation verifying their validity.

This is a formal demand for : 1.Immediate Deletion : Remove the above-listed accounts and any associated inquiries from my credit report immediately, as they were not authorized or established in compliance with the FCRA.

2.Written Confirmation : Provide written confirmation of the deletions within the time frame mandated by the FCRA.

Please be advised that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. These agencies have been informed of the unauthorized access and reporting of these accounts on my credit file.

If these unauthorized accounts are not promptly removed, I will pursue further actions to enforce my rights under the FCRA, which may include legal proceedings.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified under the FCRA.
Product: Mortgage

I sent a completed loan modification and assumption packet on XX/XX/XXXX via fax after several other attempts to get them the documents. They did not approve it until XX/XX/XXXX despite having all the information. I had to go into forbearance when my job got canceled due to COVID, and my alimony stopped. I have to assume the loan or refinance as part of my marriage settlement agreement. I have a past due balance of approximately {$49000.00}. I have paid on my home XXXX, and put my pension down on my home, so my equity is important to me. Because of the delay I was not able to receive a better interest rate and it cause the amount of my forbearance to be higher. The loan modification placed the forbearance amount in a second lien on my home. I called Penny Mac to make them aware that I qualify for PHAP and that I received communication that I would receive funding in a couple weeks to pay off whatever I couldn't pay due to forbearance. I called Penny MAC on several occasions to make them aware of this. If they put the funds into the second lien it will not show up that I have a past due balance and the grant will not pay. Penny MAC doesn't seem to care. Can you please help.
Product: Credit reporting or other personal consumer reports

I have a capital one charge off on my credit file that I did NOT open this account. When I realized this was on my credit in XXXX I contacted capital one and settled this account because I dont want to owe money on my reports. This account is NOT mine. My social and work permit were both stolen in XXXX and I am assuming this is a result of that. This is identity theft. I have filed my FTC report
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX   : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX  XXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX. XXXX/XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) 61956**Balance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been trying for the past year to get Nelnet to stop their negative and inacurate reports concerning my Federal student loans. Nelnet has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently homeless and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time XXXX happened and i felt i was not required to make a payment as my loans were Federal loans. 
Nelnet began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.
Product: Credit reporting or other personal consumer reports

Seconds apart this fraudulent crooked scamming company closed 2 complaints with different explanations for the same problem AND AS USUAL THEY LIED AND RESOLVED NOTHING
Product: Checking or savings account

my account has been frozen for almost 3 months now! i have sent in all the documents that the bank has required and they still continue to hold my funds. the companys department that suppose to fix my account is never available and they never return my calls or emails!! this is very unacceptable! there is a pandemic going on and i need my funds for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND 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 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 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 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

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation