23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.
Product: Debt collection

On XX/XX/2022 I received email notification from XXXX XXXX at Indebted : XXXX in attempts to collect a debt for XXXX XXXX XXXX on a paid in full account for XXXX. Please reference my case # XXXX regarding XXXX XXXX XXXX XXXX XXXX collect on a paid in full collection account for XXXX. 
As XXXX XXXX XXXX XXXX XXXX are now attempting to collect on the same closed account, I ask that this practice, and harassment, by these companies be made public as a violation of all legal collection and reporting laws.
Product: Debt collection

I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.
Product: Debt collection

I received a copy of my credit report and saw that Choice Recovery was listed as the account holder for an account. I had never recieved any notifications from this company that I owed them a debt. I sent letters to validate the debt on XX/XX/2021 and never recieved a response. I sent follow up letters on XX/XX/2021 and XX/XX/2021 and still have yet to receive a response from Choice Recovery. I would like to have this account deleted from my credit report because Choice Recovery has failed to validate this debt and send me a response in a timely manner. I have also filed disputes with the credit bureaus of which I have not heard from them either. Choice Recovery is listed on XXXX, XXXX, and XXXX. This month I noticed that XXXX is reporting the same account twice with different account numbers! All the other data is the same except the account numbers. I am filing this complaint for myself and have included my ID, copies of the credit report, and copies of the letters I have sent to Choice Recovery.
Product: Mortgage

My home loan was transferred XX/XX/XXXX .I did not receive any written notice from the new mortgage serviced XX/XX/XXXX. After several calls in XXXX and early XXXX, I finally got an agent to give me my new account number. On XX/XX/XXXX, I witnessed a gentlemen opening my mailbox.I immediately asked him why was in my mailbox .The gentlemen refused to identify himself and stated " the bank '' sent him to see if the home was vacant and the property was in foreclosure. I informed him my home was not in foreclosure and to please leave my property, he refused to leave sitting in his car and I called the police to ask him to leave.The following day, I contacted the new servicer and spoke to XXXX agents, all of which stated they did not send this gentlemen to my home ( who refused to give his name or company he was representing ). On XX/XX/XXXX, I arrived home and there was a XXXX XXXX in my driveway with XXXX gentlemen, sitting inside.I parked in front of my home and called the police.The gentlemen when question by the police said they were from the mortagage company, again not identifying themselves.The following day, I called the servicer back and was told again, my loan was not in default or foreclosure.The agent on this call state he would send a letter to the company 's perservtion dept, also informing me I probably would not get a call back. On XX/XX/XXXX, I attempted to speak to someone that could explain to me what the stars of my loan and why were individuals coming to my home. XX/XX/XXXX, I was informed by an agent that a XXXX party inspector was sent to inspect my property XX/XX/XXXX and XX/XX/XXXX and the inspector sent out in XXXX stated my property to be vacant ( despite payments being made, well manicured lawn, and very apparent to be lived in. I finally started receiving monthly statements ( after XXXX request ) and saw additional charges on my statement.Again, after numerous calls for clarfication of these charges and still unanswered questions. XX/XX/XXXX, I mail a letter via usps for answers. I received a response from the servicer a little after 30 days stating my loan was and never be in default or foreclosure with them. XX/XX/XXXX, I found out my electric bill account was " finaled out '', I cleared that situation up. On XX/XX/XXXX my gas was cut off and my account " finaled out '', I was informed by a gas representative that someone from my mortagage company attempted to get the gas in the mortagage company name. On XX/XX/XXXX, I received a letter from my homeowner insurance company stating, my homeowner policy would not be renewed in XX/XX/XXXX because my home has been documented as vacant. Again when I call the servicer to find out what is going on, I 'm being told they did not make any of these calls to the utility companies or my insurance company. 


XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, Transunion and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit card or prepaid card

I opened an account XX/XX/2023, before I even had a chance to use my credit card which I was approved for, my account was locked because of " suspicious activity ''. I've attempted to call to resolve the problem, but been told I need to step in a branch to show ID and I can't simply email/mail/send copies through secure messaging. 

Unfortunately I left for international travel before I found out this information won't be back for several months. 

When I attempt to call any number of Bank of America, I get redirected to the fraud department which won't unblock the account, but say I can close it but only to give me a number that redirects back to them and not Bank of American customer services.

I would like to use the credit card of course, but Bank of America is being unreasonable with its fraud detection and thus not allowing me to use the card. At the same time, the same department seems to be blocking my ability to close the account. 

I am unable to take any action with the bank or talk to a reasonable person or find a solution to the problem thus having to reach out via CFPB about the bank 's broken process.
Product: Credit card or prepaid card

According to my credit report at the end of XXXX, I was authorized a credit card which, was not requested by me, I called the applicant bank and requested to close it. That card did not have any knowledge again, until I reviewed my credit report where it tells me that I have a debt of {$6000.00}. 

Said card had a limit of {$1500.00}. I contacted the company in this case Apple Card. and requested that they send me where these payments were made from that card since at no time did I make any payment corresponding to that card, and the payments said by apple were returned. my credit being affected, and being affected considerably, since the card was used 300 % of what was available to be able At no time did I receive any letter from Apple, no notification regarding a debt with them, or anything. According to the records in XX/XX/XXXX, they made multiple payments without success and are not registered under my name. 

In XX/XX/XXXX, they tried to make another payment of {$2100.00} for automatic payment, which I do not have any automatic payment or accounts registered with that entity.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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

I've been receiving harassing calls every day for weeks from Vital Recovery Services , LLC, despite blocking the number. They claim to be collecting a debt from XXXX XXXX, though I've never had an account or any financial dealings with XXXX XXXX. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the XXXX XXXX had a data breach in XXXX.
Product: Credit reporting or other personal consumer reports

Discover Student Loans is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. Discover Student Loans put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on Discover Student Loan account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. Discover Student Loans is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the Discover Student Loan account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and XXXX. The credit bureaus responded that Discover states they are reporting accurately and therefore my credit report status for Discover Student loan remains the same.
Product: Vehicle loan or lease

I am entitled to a settlement check as I obtained an auto loan with Wells Fargo between the years of XXXX. Wells Fargo has been ordered to pay a massive fine for defrauding costumers.
Product: Payday loan, title loan, or personal loan

I have talked with Security Finance numerous times about my past due payments and have explained to them that I am waiting on my bank history from XXXX so I can refinance my loan. They consistently keep calling me every single day even if I have explained the situation the day before. It is disrupting my work and schooling and it has begun to be absolutely too much and I have explained this to them numerous times. They call my family members and give out my personal loan information such as how much I owe and my total balance.
Product: Vehicle loan or lease

This complain is joint first for you is Ford Motor Credit. This loan was fraud and Ford knew it because they had to check my credit report. The car dealership XXXX XXXX XXXX in XXXX Georgia falsified the entire contract. I did not qualified for the loan and the dealership and Ford knew I did not qualified because of my debt to income ratio. You have to fine what they did and order the contract null and void and return my XXXX cash deposit. I sold the XXXX as soon as I realized it was a predatory loan. Ford was no help and blamed the dealership I disagree Ford is as responsible I did not give them any false information, the dealership falsified the information all of it. The sale date was XXXX XXXX. The Ford loan number XXXX. Ford is an ILC thus subject to bank fraud charges. What the FTC new rules is what I experienced I had a XXXX credit and a 12 % rate. It was XXXX motivated a XXXX tax in violation of XXXX frank act.
Product: Credit reporting or other personal consumer reports

This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted Equifax and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted Equifax again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXX if it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like XXXX XXXX and XXXX   removed this particular account from my credit report lastly XXXX is also disregarding a disputed account from Creditor Information XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with Equifax as well also an account showing closed with XXXX XXXX   for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * UNITED REVENUE CORP XXXX {$1600.00} original XXXX  XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX demand deletion of these accounts as I requested dispute and they have not coooperated.
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and i ask that an investigation into my account transactions
Product: Debt collection

Portfolio Recovery is the debt collection place and they havent stopped blowing up my phone since XXXX, even after changing my number, blocking every number they call from. Last phone call was on XXXX XXXX, XXXX at XXXX. They know I have had my identity stolen and am going through the XXXX process and they still wont stop.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, I request that the documents I submitted be reviewed carefully so I can put this issue behind me once and for all.
Product: Mortgage

In the letter dated XX/XX/XXXX ( not from my single point of contact ), Shellpoint states, Note that interest, payments, credits, and other allowable charges may cause the loans balance to vary daily ; therefore, you should contact Shellpoint at ( XXXX ) XXXX to determine the exact balance. 

1 ) Shellpoint agreed with the Texas Dept. of Savings and Mortgage Lending that all communications would be via email.

2 ) Shellpoint is asking me to sign a document of no oral agreements.

3 ) I am supposed to have a dedicated representative. The phone number that I call should not change daily and/or with each correspondence.

Shellpoint asserting that it has answered similar questions is a deceptive trade practice to include buzz words for CFPB and XXXX XXXX to close complaints. 

Shellpoint stated on XX/XX/XXXX, Pursuant to the contractual agreement Shellpoint may collect from the customer any reasonable attorney fees and other actual out of pocket expenses incurred in the enforcement of the contractual agreement. However, upon receipt and acceptance of a completed modification Shellpoint will waive the current Late Charges of {$250.00}. This Late Charge balance is not included in the capitalization. 

Shellpoint spouts words leaving it for the reader to infer a contractual agreement that fits with they are saying. No out-of-pocket fees were incurred for the enforcement of the contractual agreement. 

In the letter dated, XX/XX/XXXX ( not my single point of contact ), it said that the {$14000.00} was comprised of Delinquent interest {$6200.00} Escrow Advances XXXX Legal Fees and Cost {$670.00} Moreover, pursuant to the note Shellpoint must follow all laws. I was affected by Covid and was not more than 120 days late as of XXXX of XXXX. Under CFPB-XXXXRegulation X, the {$670.00} should be deleted from the written amount to be capitalized. It is not valid because no attorney action was taken to collect past due amounts. And it is not allowable. 

Additionally, Shellpoint states, As of the date of this correspondence, the loan is contractually past due for the XX/XX/XXXX, through XX/XX/XXXX, installments. Shellpoint refused to accept payments in XXXX of XXXX. The loan was in a Covid forbearance. Plus, the loan currently in a trial modification until the modification is finalized. 

I still want the modification but the capitalization amount needs to be changed in writing because no oral representation by calling ( XXXX ) XXXX is valid pursuant to Shellpoints own documentation. The property description is still inaccurate. The contradictory escrow language was not addressed. 

I am presenting two months of bank statements and two months of paycheck stubs because this modification has not been finalized and I dont want this to become another issue since it has been over 90 days.