23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I completed my lease 36 month lease agreement with Nissan Motor Acceptance Company in XXXX 2016. When I took the car back to the dealership I signed all of my papers and had a balance due of {$0.00}. The leasing officer at Nissan told me that if any additional monies were owed such as the disposition fee, it would be sent in the mail. On XXXX XXXX ( 3 months later ), I received a letter stating my account was in collections for {$390.00} ( disposition fee ). At this point after also receiving multiple collection calls, I contacted Nissan on XXXX/XXXX/16 and let them know that I had not received any letters and questioned why this account was in collections. The first representative I spoke to said that letters were mailed but she could not send me proof that they were sent. I found this to be false so I escalated to a supervisor. The supervisor indicated that letters were mailed and were mailed to my current address. I asked for proof of the letters and the supervisor sent them to my personal email. Sure enough the letters were sent to an address I had lived in 3 years prior when the lease was originated. After receiving multiple collections calls I contacted Nissan again on XXXX/XXXX/16 to explain to them I did n't receive these letters and that this remaining balance should not be in collections. After being transferred multiple times I was put on with a supervisor that stated the statements were mailed in error to the wrong address as my address had been updated in the past. I told the supervisor that my account is not being handled appropriately and I should not be in a collections status. She informed me that I still had X amount of days before they would report to the credit agencies. There are several issues I have with the way Nissan is handling this : 1. They sent a collections letter to the proper address but my final statements and bill were not sent to the correct address. 2. This is unfair treatment as I am not being given the same amount of time to pay the remaining bill as someone who would have received their final bill. One month to be exact. 3. I asked the supervisor for the remaining balance which was a disposition fee of {$390.00} to be waived for the inconveniences this has caused me ( multiple calls to NMAC trying to get my issue resolved, possibility of having my credit impacted which could financially harm me in the future, receiving collection calls for something I was never given proper time to pay ). The supervisor stated that legally they could not waive this fee because doing so they would have to waive for all customers. I find this interesting that they will waive this fee I sign a new lease or buy a new car from them ( customer loyalty program ) but they will not waive if they make an error, harass a customer via collection methods, and impact their credit worthiness. I am requesting that the remaining balance of {$390.00} be removed by Nissan for the many reasons state above.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C-2 states to Block 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, not later than 4 business days after the date of receipt by such agency of *I have never given the credit reporting agencies a written notice with my consent with proof of identity, ( they have none of this ) to then report any of these fraudulent accounts on my credit profile. I sent all the necessary documents under FCRA 605B to block these items, yet they still remain. If you have written proof of me opening these accounts with my identity and contracts bearing my signature? prove it! If you have written notice of me stating for y'all to allow such reporting on my credit profile? prove it!
Product: Debt collection

I invested money to XXXX XXXX, XXXX  and binance. I was receiving e mails from XXXX XXXX services. That I owed money and they are a debt collector. XXXX is the name of representative from XXXX. She calls me almost everyday and I have received a lot of emails. I ignored them. I have been taking care of my credit score so good. My score from XXXX  XXXX XXXX XXXX reached to excellent one time and it remains on very good most of the time. One time I was so surprised from XXXX it wet down to XXXX. I scrolled down why it happened and I saw this XXXX they reported me as derogatory record. She ruined my life. I am so devastated. Today my son asked me to apply as a co signor for his student loan. I wasnt approved because of what she did. When I talk to her I requested document that prove that I owed money from Binance. She said they would send me within 7 days but I did not receive any. In our conversations she said my deposit didnt go through. I said if my deposit didnt go through they should just leave it alone. That means I wouldnt have an investment to them. I was innocent and didnt realize it was not deposited. Also why they have to fund it? Why they didnt email me that? Also I have the same amount with XXXX  {$3000.00}. And my money there now is. {$3500.00} as of this date and time. It is XXXX. And my XXXX from {$500.00} is {$870.00} now. These was the same time I tried to deposit to Binance too. I thought it was my money. When I learned that I contacted my bank to search my deposit to Binance, m they didnt find any. But then It was not my fault. If they really funded me, which I didnt like to, the money should grow like in XXXX. I didnt borrow money from them. I was not aware and is this kind of scam? I asked XXXX how many innocent people happened like this am I into the only one she said, she said theres a few. And she also told me to pay it first and dispute. What kind of deal is that? I dont owe money and she wants me to pay? After the conversation and my request of documentation, she kept calling me non stop. She harassed me a lot. She ruin my life. I did hard to take care my credit score. And now I feel bad for my son. He was needing my help so bad.
Product: Vehicle loan or lease

KIA Finance America and Adminstration and third parties collection companies out of the XXXX of California have been harassing me on a debt that I am not liable for. 
I respectfully leased a XXXX Kia XXXX on XX/XX/XXXX at KIA XXXX, CA during the Covid 19 Pandemic. 
Around XX/XX/XXXX I went XXXX KIA to trade in the XXXX leased KIA XXXX for another KIA vehicle. XXXX XXXX XXXX, the General Manager refused to accept my request for a trade in. The sale of a XXXX KIA Soul was approved by KIA Finance America.

The XXXX KIA XXXX was returned to KIA Finance America and the XXXX KIA Soul was involved in a serious car accident wherein a big truck collided with my KIA Soul causing the car to be totaled. 
I therefore did not have any of the vehicles in my possession and have been receiving messages and threatening letters from KIA Finance America and Third Party Collections Companies. They are trying to collect debts of $ XXXX am going through much economic hardship and struggle to earn income as a XXXX and XXXX rideshare driver. This rideshare driving work is very competitive, tiring and dangerous but I have to support my XXXX son and daughter in college. 
I do not have any Attorney/s to support me with the unlawful collections by KIA Finance America and Administration . The legal letter that is enclosed was written by a XXXX XXXX Attorney as I am a member of XXXX XXXX 
I am NOT represented by any Attorney or any other legal Counsel. 
In conclusion, I am a struggling XXXX and XXXX driver working very longs dangerous hours to support my family. I need help by ceasing all collection calls and to remove all derogatory remarks on my credit report such as XXXX XXXX, XXXX and XXXX. 

ACCOUNT Nos : XXXX ) XXXX KIA SOUL # XXXX XXXX ) XXXX KIA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX phone # XXXX Website : XXXX Reference # XXXX ( PIN : XXXX ) ( HYUNDAI CAPITAL AMERICA for KIA XXXX XXXX ) This is a fraud collection because I never purchased any Hyundai Vehicle .
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I added {$160.00} to my bluebird account and it was approved. That same evening I attempted to log in to my account and was unable to. I did attempt several times thinking I may have forgotten my password. I used the link on the log in page to reset my password however I did not receive a link. 
Saturday XX/XX/XXXX I again attempted to log in unsuccessful. I called the customer service number on the back of the card and the automated system said my account had been permanently closed and suspended and hung up without the option to speak with anyone. Immediately I received an email that my account had been permanently closed and suspended due to member agreement 22d which is using the card fraudulent..this is WRONG..I looked up multiple numbers to try to speak to an agent but everyone I spoke to transferred me to the automated system which would not connect me to an agent. 
Sunday XX/XX/XXXX I used my mother 's phone and made up a fake card number and got thru to a customer service rep named XXXX. He looked the account up and said it was locked and closed d/t violation of member agreement 22d..same thing as the email said. I asked to speak to someone who could tell me what was happening and he told me no one was authorized to give me that information. I need to write a letter to the address provided in the email. He would not give me any information and hung up. 
I will be mailing a letter to the address provided in the email.
Product: Debt collection

SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Debt collection

Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.
Product: Vehicle loan or lease

Customer has an account with GM Financial. Customer inquired about Relief Program. Customer asked for assistance with his payments due to the coronavirus crisis in his state. On XX/XX/XXXX, customer called to be enrolled for the relief program. Customer was informed that he qualifies for the relief program because customer had never missed a payment since he signed the loan with GM Financial in XXXX of XXXX. Customer was approved for the enrollment and given a pin number to enter on GM Financial website. The GM Financial website system did not allow customer to log in and finalize the enrollment. 
I called on XX/XX/XXXX. I also called from XX/XX/XXXX to XX/XX/XXXX and was unable to speak to any of GM 's  representative. I send GM Financial a letter to notify them of their system failure explaining to them that their website is not allowing me to complete the enrollment. 

Customer sent another letter to GM Financial asking them to help with the enrollment and to correct the inaccuracies on my account statement in XXXX, XXXX. GM sent me letter about debt validation. Customer sent another letter clarifying that he did not ask for debt validation but was asking for assistance in completing the Relief program. 
Not once did I claim that I do not owe them. I have been making my payments, therefore, I accepted the debt. 
GM refused to assist me and instead sent me a letter dated XX/XX/XXXX, stating that : they are unable to proceed with my request because 1 ) sufficient information to identify the account such as account number, name address and telephone number were not provided 2 ) the specific information the customer is disputing 3 ) all supporting documentation or other information reasonably required was not provided. 
However, customer provided GM Financial with all that information. Is GM relief program or assistance during the coronavirus crisis a shell? Do they really want to help customers or hurt them during these vulnerable times or is it because of my last name? 
On XX/XX/XXXX GM had my vehicle repossess. I called their XXXX number to asked why they repo my vehicle. I was informed by a XXXX XXXX id # XXXX to pay {$2000.00} if I want my vehicle. What kind of unfair and deceptive practice that is not in alignment with consumer laws is GM Financial practicing?
Product: Money transfer, virtual currency, or money service

PayPal closed my account in XXXX 2017, but releases to release my incorporation 's funds. They are holding ~ {$220000.00} USD of mine for the past 5 months, and they are making us wait another month or so for the release of these funds. I had to get a loan to pay taxes because PayPal would n't release our funds. <P/>I 've tried contacting PayPal about it shortly after, but they said that my company is a 'money service business ' when we just sell gaming products and they say to email XXXX and they only give me automated messages when I inquire about it. Note that I 've used PayPal for a few years and processed over $ XXXX USD with them - this account closure was quite unexpected, and the 6 months funds holding is even more unreasonable. <P/>I 'm hoping this can be solved asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XX/XX/XXXX - Requested original lease agreement. Agent says this can not be released. 

XX/XX/XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XX/XX/XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.
Product: Mortgage

My mortgage was sold to Pike Creek Mortgage company after closing in XX/XX/2020 Did not receive a letter from them had to call to find out how to send in my payment. 
XX/XX/2020 I went on line to ask when my Real estate taxes would be paid as they are due XXXX XXXX got an email back stating they would look into it. two weeks later I called and they stated they had noting on my taxes I faxed the tax bill two weeks later I call again they say they have nothing on my taxes I email them the person on line said ok we now have them one week later I call again and I get told a work order is in for them. today XXXX XXXX I get a message my home owners is past due so I call again they state they have nothing on my Homeowners insurance but in the system I see the amount due acct # so I email them to them and ask about my taxes that are now delinquent that they are working on them. I asked to talk to some one who can help me and I was told no one can help me this company can not handle paying items out of escrow so they should not be in the mortgage business
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I received a notification from my credit monitoring service about recent inquires. So I pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted XXXX XXXX XXXX XXXX and they stated it was not mines, however, they can not remove from them as an inquiry and I have to go through the credit bureau. They have been given the run around. They have stated that there was no accounts in my name I am not responsible for but stated I need to contact the credit bureaus as well. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recurring lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online credit freeze portal is broken and never working. It's unacceptable that something every consumer needs for mortgages, credit lines, etc ... Is so poorly operated. They should be shut down. 

I tried calling and their service reps are awful. They bounce you around and make excuses or outright lies about how they're intending to fix your issue. 

I'm just trying to unfreeze my credit for a short window because this company was responsible for a massive data beach and created this mess in the first place. 

They can't even help me with that. They claim their " systems are down and to check back in 30min to an hour ''. It's all lies.
Product: Credit card

I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it
Product: Money transfer, virtual currency, or money service

I am filing a report on cashapp ( Block, inc. ) due to inadequte customer service and unfair practices which violate the consumer finacial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Debt collection

Navient was advised not to call me at work because I was not allowed to receive calls. They were told this last year and it was recorded. On XX/XX/XXXX, they called me at work again and left a message.