23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A credit balance was maintained on the account to pay for the upcoming charges. Bank of America claims a refund was processed and deposited into XXXX Bank of America account which was never verified. When I was made aware that the account was reported to be XXXX days past due, I contacted the bank and disputed the late fees and the report. The bank still claimed a refund was deposited into my checking account which they were not able to verify. At this point they are reporting my account as delinquent to credit reporting agencies and holding me responsible for late fees. Bank of America has been in possession of over XXXX XXXXXXXX XXXX, and they are still charging me interest and late fees. At this point they claim the funds were refunded to the state and I should claim the fund from the state. This is an unfair practice since they have had the funds in their possession all along and the only reason, they can provide is their accounting methods that resulted in a credit refund. I still have not received the refund in any of my bank accounts as it was claimed by the bank. Please help stop this unfair practice!
Product: Credit reporting or other personal consumer reports

I came across the XXXX Experian lawsuit. I was negatively impacted, hurting my chances at a credit offer. I received a response to my earlier dispute that the accounts were verified. Come with the receipts or be quick to delete. Please delete these accounts from my credit report as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I attempted make an online purchase of XXXX XXXX in the amount of {$710.00} from a website named XXXX. I was directed from that website to the Affirm.com website to apply for a loan to pay for the product. I was subsequently denied the loan from Affirm, but began to receive a loan repayment bill from Affirm in the exact amount of the Lawnmower ( {$710.00} ) for a purchase from an online retailer named XXXX XXXX XXXX on XX/XX/2024. XXXX XXXX XXXX does not sell lawnmowers and does not accept Affirm as payment. I immediately called Affirm to report the fraud. On XXXX XXXX I received another email from Affirm advising that I was denied a loan and at the same time I am getting emails from Affirm reminding me that I have a payment due on a loan. On XX/XX/2024 Affirm sent an email and concluded that after their investigation, I am responsible to pay them for the fraudulent loan. I never pursued a loan from Affirm after being denied initially and have never attempted to make any purchases through Affirm and I have never received any merchandise from any retailer with regard to this fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage loan was transferred to PennyMac. They require an escrow account for property tax and property insurance. That would not be an issue if they were using collected escrow funds to pay my property tax and property insurance. However, they are not doing that such that I must pay myself out of personal funds. To date : 1 ) Property tax was not paid by the due date of XX/XX/XXXX thus incurring penalty and interest charges totaling {$85.00} plus a government record of delinquency. 
2 ) On XX/XX/XXXX I received a letter from PennyMac accusing me of not maintaining property insurance and threatening to buy insurance from a vendor of their choosing. This smells like a possible kickback arrangement given that I had insurance but they did not pay the bill from escrowed funds. 
3 ) Home insurance was not paid which was due on XX/XX/XXXX thus allowing coverage to lapse. To restore, I had to pay myself using my credit card. 

There is a saying, " 3 strikes and you're out '' and I fully embrace that in this situation. 

I can only wonder if they are using my escrow funds for their own benefit so that funds are not available when bills come due. I ask that you open a fraud investigation into what may be illegal use of escrow funds.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024 XX/XX/XXXX XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024
Product: Student loan

Navient has said that they can't settle the loan but can they at least settle it at an amount that I can at least pay $ XXXX monthly especially now that I am unemployed and looking for work. It would help so much financially, if I could get a settlement of permanent pay per month that won't rise each year. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of specific accounts, inquiries, addresses, and employment information from my credit report, as I am a victim of a data breach. In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I am entitled to have information related to fraudulent accounts removed to protect my privacy and credit profile. 
Please delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have enclosed copies of identification and any necessary documents to verify my identity. Thank you for your attention to this matter. If further information is needed to complete my request, please contact me directly. 
Sincerely, XXXX XXXX
Product: Debt collection

PLEASE SEE ATTACHMENT FOR FRAUD ACCOUNT AND HAVE THEM DELETED ASAP.
Product: Debt collection

BMW Financial received payment from my XXXX XXXX  when the car was totaled and paid off. They violated the fair reporting act pursuant to 15 USC to cease all collections.
Product: Vehicle loan or lease

I purchased my vehicle from XXXX in 2020 and it was financed through XXXX. I signed a contract for a 3 year term. When covid hit my job was closed and my loan was deferred for 3 months. I was advised by a representative that due to covid that those payments would be waived at the end of my lease due to a state of emergency. The representative signed my name on the deferred lease paperwork. She said due to covid it was there protocol and procedures, so I was unable to review the paperwork. My payments were {$740.00}. In XXXX, i paid XXXX {$1500.00} for XXXX and XXXX because I knew my lease was up XX/XX/XXXX. XXXX has charged me over {$5000.00} worth of fees and will not provide me with a payment ledger or the call from the conversation during covid. They also keep reporting my account as 60 days past due, but how is it past due when I made a lump sum payment in XXXX.
Product: Vehicle loan or lease

I have made several attempt to resolve a complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC regarding a Forged contract. I retrieved a copy of the contract from Nissan Motor Acceptance Customer Service. I ask for it because there was a discrepancy in dates from what the rep was showing and what my original contract was showing. I then asked the rep to me me a copy of what she has. I received a document that I never seen before with my " forged '' signature which appeared to be signed by XXXX XXXX ( Finance Manager ) whom I completed my paperwork with on XX/XX/XXXX. I received the lease vehicle and copy of my contract on XX/XX/XXXX. This newly created contract has a purchase date of XX/XX/XXXX which is indeed incorrect. I NEVER returned to complete any additional paperwork and the signature on the contracted date XX/XX/XXXX Is certainly not mines ( This can be compared to the original documents with " my '' personal signature ). 
Further more I brought this to the attention of the General Manager XXXX XXXX whom I had a conversation with. He tried to steer me away by advising me to file complaint against the x employee ( XXXX XXXX ) However I reminded XXXX XXXX that the employee represented the company ( Nissan ) at the time and technically because this is a forged contract should be viewed as a VOIDED contract. XXXX XXXX states he would call me back on XX/XX/XXXX with some possible solutions. To date I have received no return call. I have also reached out on numerous occasion after the forth only to be hung up on by XXXX XXXX ( General Sal Manager ) whom I have also spoken with regarding this matter. My calls are currently being ignored. This is poor & unprofessional business behavior. In addition to calling I have even gone to the location only to be told the managers are in a meeting. 
I have since recently filed a complaint with the Attorney Generals office regarding this matter. This has been very stressful to deal with and has caused a negative impact on my health. I do not intend to or will ever purchase another Nissan vehicle. ( This is my 3rd ) and quite frankly I have had poor experiences each time with them all. So the sooner I can terminate my relationship with Nissan the better I will feel and happier I will be. I do plan to seek legal representation if an agreement can not be reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my Trans Union credit report I did not authorize or give my consent to pull my credit. XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023
Product: Vehicle loan or lease

I have had issues with the fact that I got into a car accident that was not my fault and my car was totaled out and I was told I would be receiving the payment for it which they lied but then even after the payment was sent to GM Financial and the loan and vehicle were paid in full I still get harassed stating Im past due and it will be noted on my credit report and that it a still open. Im upset and want to get help for the issues with my old auto insurer as well as GM Financial please.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX agreed to allow me to pay out of my contract of the amount of {$510.00} ( supporting documentation 1 ) due to XXXX XXXX unethically not charging me the appropriate amount set by our agreement for the promotions for the two devices I had. Throughout my account, I was being overcharged as i expressed to XXXX many times ; however, the problem was never resolved properly and i was still overcharged during the months. due to this verizons customer care team allowed me to pay off the remaining amount left on my account and return the device they were not properly charging me for as agreed to during the time of sale on the device and XXXX acknowledged this many times by improperly crediting my account were there would always be a discrepancy between what should be charged and what was charged. after XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Supporting documentation 3 ) i received the return packaging to return the device to XXXX. The packaging was too small for the device, which the XXXX XXXX XXXX team directed me to go to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and they would ship the device to the appropriate location. I did this and have video proof of the store manager confirming that i returned the device to his store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX team informed me that once the store processed the return, i would receive the return information, such as the tracking number.I never received this information, and lost contact with XXXX after returning the device to the store. When I returned the device, I also gave them the proof of account closure, which was sent to me via USPS from XXXX, so they could process the return fully as stated by the XXXX XXXX XXXX XXXX 

Within supporting documentation 2, please find the same situation that happened with a family member and the document that was sent to both of us. Using this document, the CFPB can force XXXX to properly investigate the account closure of this enclosure and use that information to locate my enclosure because these two letters were sent at the same time by the same representative. When locating my enclosure, you will see the same information that my account has been closed. I then returned the device to the store location above.
Product: Credit reporting or other personal consumer reports

In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I received no benefit for the use of my credit. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. In fact 15 USC 1681a ( 2 ) never mentions a credit score in the description of a consumer report and by federal law should not be included in a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Being an XXXX XXXX Service Member, I scheduled two separate monthly payments towards my Bank of America credit card. At the time I was scheduling the payment, the W-Fi I was using from my location was kinda weak but eventually the scheduled payments went through and I received two separate confirmation numbers. # 1 ) XXXX # 2 ) XXXX I received a credit notification where I was reported 30 days late to all three credit bureaus. I was really upset because I knew I scheduled these two separate payments for my Bank of America credit card. I sent an email to the Executive Office of Bank of America explaining the situation where I am an XXXX XXXX Service Member and I was in a location where I was scheduling a payment via Wi-Fi and how I was possibly having issues with the mobile app on my device. The woman I spoke with, XXXX XXXX, said she would check with IT and most likely can not remove the 30 day remark. She eventually called me back a few days later saying IT could n't find anything and I asked for proof and she could n't provide it. Technology is a tricky thing and honestly can not be trusted but I am honestly explaining to them that I scheduled the payments. I did n't take this well because I KNOW I set up this payment. At the time of the phone call I did n't have the confirmation numbers and I explained to her they 're at home. Since I have them, I am providing them in this email. I also contacted Bank of America this morning but left a voice mail. I am requesting this 30 day late remark be removed from all 3 credit bureaus due to the difficulties of the application through the bank. As a Service Member and having my integrity questioned is very appalling and hurtful. I explained to XXXX that I have a upcoming re-investigation for my XXXX XXXX XXXX XXXX and keeping my credit up to date and in good standing is a high priority to me. If you have any questions or would like to discuss this please contact me at the information below. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX  XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.
Product: Debt collection

While moving out of my long time residence in XXXX, CA I began the process to cut off my services in XXXX of XXXX which included the phone, internet and XXXX, which were all included in a single bill. Initially the final date I relayed to XXXX XXXX XXXX was the XXXX of XXXX but because of delays in the move was extended to XX/XX/XXXX. Because XXXX ended up mistakenly cutting off the satellite service on the XXXX I had to call them directly to extend it to the XXXX. I left the house for the last time on XXXX XX/XX/XXXX and turn in all the equipment as required to the local XXXX office. Although I assumed all the services were ended properly I continued to get bills from XXXX ( not from XXXX XXXX XXXX ) so I called several times to rectify the mistake and finally sent a detailed escalation letter to them in XX/XX/XXXX. I felt at this point they finally realized their mistake and closed the bill but in XXXX of XXXX I then received a collection notice from Afni, Inc. for the disputed amount. I recently forwarded them a dispute letter along with other pertinent details of the situation. I have no idea why XXXX is unable to verify the fact I no longer lived at the XXXX residence, nor retained any of the receivers or remotes after the XXXX of XX/XX/XXXX. This should be an easy task on their end especially since I went above and beyond due diligence to work with them to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted certified dispute letter with return receipt XX/XX/XXXX and XX/XX/XXXX. To date, no response received for XX/XX/XXXX dispute mailed over 30 days ago. Regarding the following in accurate negative accounts : XXXX XXXX XXXX # XXXX collections/chargeoff, XXXX XXXX XXXX  # XXXX closed account, XXXX  XXXX XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. Called today XX/XX/XXXX spoke with supervisor XXXX who declined to provide agent ID #, stated they show no record of any disputes since XXXX. Experian is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be removed immediately. Attached is copy of USPS Certified Receipts.
Product: Checking or savings account

On XX/XX/XXXX, I was reviewing my account with Citizens Bank online and noticed that a check was cashed that I did not write for a lot of money. In fact the check that was cashed did not look anything like the checks that I have, it had the wrong address and the signature was not even close to mine. I went in to Citizens Bank in XXXX XXXX, Massachusetts to report the fraud and they had me fill out the paperwork. I was told that it would take 4 to 6 weeks to resolve but usually it takes a lot less. I was also told to report it to the XXXX, MA police department. Over two weeks ago, I went in to talk to the representatives at the branch to get an update and they supposedly escalated it. I went in on Saturday XX/XX/XXXX and all I was told was that it is still in works and they are waiting for the other bank ( XXXX XXXX  ) to respond. It has now been over 6 weeks with no resolution in sight. Any help that you give would be greatly appreciated. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with ID theft for over 5 years with your company I am constantly receiving letters back for disputes stating that, I need to contact the creditor to have this information disputed or the creditor may not know how to contact me for the ID theft, I have contacted each company and they advise to contact me to contact the credit reporting agency to file a dispute. I have field complaint earlier and response was for me to submit a dispute and yet again I did that and received the same exact information I have got for the last year, this is at a point where I am going to file a civil lawsuit against your company, if I can not have corrected. I have provided police reports number or times ID theft information number of time and will provide again today. 

If this can not be corrected I will file suit. this is countless hours or working with your company and getting no where. I have worked with XXXX  and XXXX  and it took me less than 120 to get everything fixed and correct. I call your company and can not reach a live agent to help me.
Product: Debt collection

I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.