23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a prepaid extended warranty and maintenance package from Nissan on XX/XX/XXXX, when i purchased my vehicle. The warranty was for a 2012 XXXX XXXX VIN XXXX Warranty # XXXX Application # XXXX. The plan expires XX/XX/XXXX or 100K miles whichever comes first, but unfortunately the car was totaled in a car accident on XX/XX/XXXX. I was informed by a Nissan rep that they would refund me a prorated amount, which will be sent to the Lien holder ( NMAC ) and the amount would be credited against the principle of my loan. When i spoke to Nissan Consumer Affairs they stated they'd send NMAC {$660.00} and it'd take 2-4 weeks. When I  called NMAC 4 weeks later they hadn't received anything. 
On XX/XX/XXXX I contacted Nissan consumer affairs ( Case # XXXX ) and they stated they were working with the policy administrator to investigate the status of my missing refund check. Then on XX/XX/XXXX they emailed me stating the check had been reissued to NMAC and it'd take another 2-4 weeks. I assumed it was taken care of until i obtained a credit report and saw that NMAC had me in collections for {$660.00}. I tried disputing it through the 3 major credit bureaus but NMAC kept  stating the debt was accurate. Finally I filed a report with the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX NMAC admitted to them that they sent the check to the wrong place and stated they would credit my account for {$670.00}, leaving me with a {$0.00} balance. I accepted this response and patiently waited. It never occurred. I tried disputing it again through XXXX, this time with the report from the XXXX XXXX XXXX, and NMAC refused to revise my credit report, and added even more damage to the report by stating my payments were late from last year to present.
Product: Student loan

XX/XX/XXXX - Navient shows full funds were disbursed to XXXX XXXX XXXX for a 2 year degree in XXXX  XXXX. The actual date of attendance would have been in XXXX XXXX XXXX. The full course XXXX XX/XX/XXXX - XX/XX/XXXX ) was not completed, at less than 50 percent attendance. XXXX falsified their records showing that I had attended beyond 60 percent attendance. This was revealed by Navient on XX/XX/XXXX. 
XX/XX/XXXX - XXXX closed all for profit locations. 
XX/XX/XXXX - I sent a letter stating all pertinent facts regarding the education I did not receive from XXXX XXXX XXXX, however was being forced to pay for. This included employment - only available through temporary agencies though this is not what was promised at the time of entering, the closing of the school and therefore their credentials were no longer being accepted, after several attempts to obtain loan documents ( XX/XX/XXXX,, all that could be provided was the signatory page, an attempt was previously made to complete the coursework online prior to the closing, however was told that I needed to start all over and pay again. 
XX/XX/XXXX - I contacted the Department of Education and they forwarded me to the Federal Student Aid Ombudsman Group. 
XX/XX/XXXX - I contacted the Nebraska Attorney General 's Office. They forwarded me to the Department of Education. 
XX/XX/XXXX - I contacted the Office of the Customer Advocate for Navient. They suggested I seek legal counsel regarding the handling of my account and loans. 
XX/XX/XXXX - Borrower Defense to Repayment application submitted to Navient. 
I have received XXXX emails, both dated this year, that state that I do not qualify. 
XX/XX/XXXX - I applied for an income sensitive repayment plan due to the inability to make payments, but was told that I must pay the interest which amounted to $ XXXX. In XXXX, my payments were entered into forbearance without my consent and are set to resume XX/XX/XXXX at the amount of $ XXXX. 
I could not seek work outside of the home due to the major medical needs of my youngest son. This has never been taken into consideration. Due to spending a majority of his life being hospitalized, I will never put this student loan above his medical or medication needs.
Product: Credit reporting or other personal consumer reports

This CRAs are reporting inaccurate late payments on an account that were approved for a hardship program during that time. In accordance with 15 U.S. Code 1666 ( b ), I request that you investigate this matter and correct these inaccuracies promptly. Please update my credit report to reflect the accurate payment history and provide me with written confirmation of the changes.
Product: Mortgage

We originally submitted complaint against B of A on XXXX Case number : XXXX, we are adding a new complaint. BofA has a history with us of making life difficult and trying to make us refinance, The first complaint we made was because they denied access to our account when we were one month behind and logged on to schedule payments and access gone. Since contacting your office and The XXXX we also spoke with Bof A and have been told Bank of America no longer services our account. No notice, we received our regular email your XXXX statement is available for viewing log on to access ... nothing by email, on the account page, or in regular postal mail NOTHING. When we spoke to them last night They said they can not even provide us an account number for this " New '' mortgage. We have been given nothing but a name and phone number. This behavior is just so ridiculous and it is OKAY? Shift our account around and deny access to try to make the account be two months behind? Then fail to provide documents or information who to or how to reach ... Will you address this issue better than the XXXX? XXXX Case opened XXXX case closed XXXX ... yeah I guess they say account closed then case closed. Does n't that make it convenient and easy for these banks to do these things. Nice how everyone says oh follow this link to counseling help and re finance options etc .... ALL WE WANTED TOP DO WAS PAY OUR MORTGAGE,
Product: Credit reporting or other personal consumer reports

The following inquiries were added to my TransUnion account without my authorization. 

XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX,
Product: Debt collection

I received calls from this place about 8-9 months ago and told them this was not mine and that I've never had XXXX XXXX and during their dates they gave me over the phone, I was XXXX. I requested a purchase agreement of the debt to see details and also any other back up and they'd hang up on me. This should be removed!
Product: Credit reporting or other personal consumer reports

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on Experian, XXXX, or XXXX. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called Experian and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was affected tremendously because of identity theft. Someone opened XXXX money market accounts with XXXX by using my SSN. The same person filed for unemployment and almost made me lose my job. I contacted the IRS and still have yet to receive any information about fixing my credit. Because of those fraud errors, it has affected my way of living tremendously. I would love for it to be removed off my report. If someone could help me with that it would be awesome. There has also been credit cards in my name.
Product: Consumer Loan

Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.
Product: Credit reporting or other personal consumer reports

there's an unauthorized/unrecognized by XXXX XXXX dated XX/XX/year> in my in my TransUnion credit report. Immediately delete/remove the above inquiry in question from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX added to my credit report in XXXX which led to a decrease in my credit on all the credit reporting bureaus. I recently reached out to the Creditor to confirm an error in reporting, paid the Creditor directly after the resolution and agreeing that they'll send a notice to the collection agency ( XXXX ) to have it removed. The collection agency reached out to the credit reporting bureaus, only XXXX had updated my record and increased my credit scores but Experian and XXXX have both refused to effect a change in my score even after removing the collection item from my record. They stated that a removal of a collection doesn't guarantee an increase in credit score and I'm confused because if the addition of a collection item to my record could lead to a decrease in my Credit Score, shouldn't the removal result in the increase? How is that a fair reporting and justice on my end as a consumer.
Product: Mortgage

XXXX  In response t o Atlantic Bay and  the original complaint.  XXXX   XXXX  was contacted by a frantic  XXXX   XXXX  and asked to write a letter defendin g him/Bay Atlantic. W hich he did and which they submitted as their original response.   As far as  XXXX  qualifying as a primary residence his current primary residence has not sold and the entire reason he wants to sell is he claims ca n't afford it- so since current residence has not sold and probably wo n't for at least 6 months- Prior to our purchase it was on market for 1.5 years- this is completely foolish. He may be able to g  XXXX   XXXX   XXXX  os but after that trying to juggle  XXXX  residences and utilities is going to be a stretch
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

My account was closed for unspecified reasons.and I never received my deposit funds from my closed account.
Product: Money transfer, virtual currency, or money service

MY NAME IS XXXX XXXX AND I OPENED AN ACCOUNT WITH BINANCE.US ( ACCOUNT # XXXX ) 6 MONTHS AGO AND HAD NO ISSUE WITH TRADING UNTIL APPROXIMATELY XX/XX/2021 I SUDDENLY WAS BLOCKED " PENDING VERIFICATION ''. I HAVE SUBMITTED FOR 2 WEEKS NOW 3-4X DAILY MY GOVERNMENT ISSUED I.D AND BANK STATEMENTS REPEATDEDLY TO NO AVAIL. 

MY ENTIRE LIFE, S SAVINGS ARE ON DEPOSIT WITH A CONCENTRATED POSITION IN DOGECOIN AND THE RISK NOW IS THAT ASHOULD THE VALUE DROP TO XXXX I RISK LOSING ALL MY SAVINGS. 

I HAVE DEMANDED THEY EITHER TERMINAATE AND REFUND MY ACCOUNT OR " VERIFY '' WHICH THEY BOTH REFUSE TO DO.
Product: Student loan

I was overcharged for my student loan payoff. 

On my payoff date ( XX/XX/2020 ) I confirmed via Navient 's web chat the final payoff amount. I then made the payment in that amount ( paying more than listed on the site was not possible, as a validation error appeared if I set even 1 cent higher than the amount confirmed by the agent in live chat ). Then I made the payment that should have been my final student loan payment ever and kept the confirmation number : Payment Confirmation # : XXXX Days later, after the payment finished processing, a balance remained in my account. I paid the remaining balance ( Payment Confirmation # : XXXX ) and reached out to Navient via email to figure out what happened. The email response I received admitted it was Navient 's mistake on XX/XX/2020. 

I then requested a refund for the overcharged amount. The email response I received on XX/XX/2020 denied it was Navient 's mistake and refused to refund me. 

I have all these transcripts and messages available to submit as evidence.
Product: Checking or savings account

I made an account with Chase Bank, and Have an agreement with chase that there would be a XXXX bonus credit put into the account upon a direct deposit being entered In to the account! On XXXX XXXX my check which qualified and triggered the XXXX bonus offer was added to the account via direct deposit totaling XXXX direct deposit, flaked to personal bank XXXX, and manager as well as the marketing team which was unable to add the bonus in the account within a XXXX day time frame as the app discussed XXXX manager and marketing team admitted via live recorded phone call that I qualify for the credit and that it will be there on Tuesday instead of today or tomorrow? Phone call was on Friday XXXX XXXX at XXXX with manager!
Product: Student loan

I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CaahApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 the error, resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is not accurately reporting the balance as {$1000.00} on my XXXX XXXX XXXX to XXXX, Equifax, and XXXX. I am not carrying a balance on this card. This card has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my old account that I no longer used and have already paid {$370.00} to XXXX XXXX years ago in order To unlock from XXXX XXXX so I can used XXXX XXXX. XXXX XXXX will not activate any phone that is not paid off or unlock. As of today I am still using the same XXXX XXXX phones with XXXX XXXX. Please have this {$370.00} item remove from my credit report.
Product: Credit reporting or other personal consumer reports

THERE ISN'T ENOUGH SECURITY IN PLACE TO PROTECT MY CREDIT PROFILE FROM FRAUD AND IDENTITY THEFT! MY IDENTITY THIEF HAS ENOUGH INFORMATION TO REMOVE MY CREDIT FREEZES AND FRAUD ALERTS. I REQUESTED AN EXTENDED FRAUD ALERT BY MAIL AND THE THIEF CAN REMOVE IT WHENEVER THEY WANT!!! THEY CAN CALL IN ON THE PHONE AND REMOVE MY FREEZES. XXXX, EQUIFAX, AND XXXX DO NOT HAVE PROTECTIONS IN PLACE TO PREVENT THIS!!
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX  XXXX XXXX  ( XXXX : XXXX ) XXXX XXXX   ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ). 

Thank you for all your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX, T XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX, XXXX  and Experian regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, 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. 


I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, another credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, and another credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent collections and hard inquiries appearing on my consumer credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease, pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

They are threatening to add this to my credit report in a month. I know for a fact this is illegal & completely unfair. This is identity theft & I want it removed from all credit bureaus as a soon as possible please
Product: Credit card

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose