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

BANK OF AMERICA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). BANK OF AMERICA is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the XXXX  data breach or the Experian data Breach i am not sure. I sent Experian and XXXX  a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX reporting on my Experian and XXXX  consumer report. I have no knowledge of this account. I did not open up this account. Experian and XXXX  refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. Experian and XXXX  stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If Experian and XXXX  refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. Experian and XXXX  has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX  is violating my right to privacy plus they are furnishing an inaccurate consumer report.
Product: Student loan

Dear CFPB, I am filing this complaint against Nelnet, my federal student loan servicer, for incorrectly reporting my loan as XXXX XXXX delinquent without providing proper notice. 

My student loans were previously serviced by XXXX XXXX but were transferred to Nelnet without any notification to me. I never received any emails, letters, or phone calls from Nelnet regarding my loan transfer or repayment obligations. The first email I ever received from Nelnet was on XX/XX/XXXX, when I created an account to make a payment in full out of goodwill to keep the account current. 

I only became aware of this issue when I noticed a significant drop in my credit score on XX/XX/XXXX and checked my credit report. Upon calling Nelnet for clarification on XX/XX/XXXX, I was told that they had emailed me and that it was " the borrowers responsibility to keep up with their loans. '' However, I never received any formal letter regarding my transferred loan or past-due balance, nor did I receive a voicemail or a direct phone call informing me of the issue. Nelnets claim that an automated call was made without leaving a voicemail further raises concerns about the legitimacy and adequacy of their outreach attempts. 

Additionally, Nelnet failed to follow standard credit reporting procedures by skipping the required XXXX and XXXX delinquency reporting and immediately marking my account as XXXX XXXX late. This is inaccurate and unfair reporting, as I was never given the opportunity to address the issue before it severely impacted my credit. Nelnet is a separate company from XXXX, yet they claim I was automatically opted into email notifications based on a preference with my previous servicer. They never directly confirmed or verified my preferred communication method with me. 

Because Nelnet failed to properly notify me of my transferred loan and past-due balance before reporting me delinquent, I am requesting that the XXXX late payment be removed from my credit report. Their lack of direct outreach, failure to follow proper reporting guidelines, and inadequate notification process constitute unfair and misleading servicing practices.
Product: Mortgage

I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. 
Thank you
Product: Credit reporting or other personal consumer reports

I mailed out a letter on XX/XX/year> the company have not responded it has been over 30 days
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that i had 2 late payments on accounts that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX. 
Please investigate and provide proof with statements showing that these payments were late .If proof can't be provided i demand these payments be updated to on time as they should be as i was never late .Thanks
Product: Checking or savings account

I have called Wells Fargo multiple times and have spoken with customer service representatives. I would like to be able to view my banking records for the savings and checking account. If I am not able to view these services online I would love to be able to received the paper copies they are for financial disclosure. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( 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 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 causes significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX Date of Birth : XX/XX/XXXX This complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade CommissionXXXX
Product: Vehicle loan or lease

I was approved for a {$35000.00} loan for a XXXX XXXX XXXX with XXXX miles on it at purchase time which was in the month of XX/XX/XXXX. My monthly payments were {$850.00} a month. I did this with the understanding that this would improve my credit and overall help me even though my monthly payments were so high. I managed to make it seven months. I had employment change which i called and they did not offer any type of payment arrangement for me at that time. I got behind on my car loan, I then called again begging for a solution. That when I was told that I just needed to surrender the vehicle. Which I did. My car sat and they just kept sending me late bills and no one ever came to get it. I called multiple times thereafter and at each call they were just seeking payment for my past due balance and I had to explain each time that I had already surrendered the vehicle a month prior. To which i went through the entire process of setting that up and still yet another two weeks went by. They just finally picked up my vehicle yesterday XX/XX/XXXX after I called wondering why it has taken three months and multiple calls to get my car picked up to auction off. I am very upset and saddened that I paid consistently an insane amount of money only to be told they couldn't work with me when i had sudden health issues and job change. Now I am not only out a large amount of money, my credit is ruined and I no longer have a vehicle of my own as a mother to children this is very discouraging. This was my way to rebuild and they made it impossible. There isnt enough help for us middle class people trying to live life by a number to have anything in life, a.k.a a credit score. Someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report as soon as possible. I would also appreciate a written confirmation of the actions taken to resolve this matter. If you require any additional information, feel free to contact me using the contact details provided.
Product: Money transfer, virtual currency, or money service

Cashapp has previously not had any live support or contact number. After being fined they then released a phone number that does not work. I have reported issues before and have had no source to contact regarding reported issues.
Product: Credit reporting

Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$920.00} XXXX XXXX  {$920.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting

I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}
Product: Credit reporting or other personal consumer reports

This was previously disputed with CFPB # XXXX XX/XX/XXXX Dispute was directed to XXXX, XXXX and Equifax to fix the errors for these XXXX collection accounts : XXXX. XXXX XXXX - XXXX Business Credit - XXXX XXXX  XXXX XXXX TX XXXX Please remove -based upon 15 U.S.C. 1681i and 15 U.S. Code 1681b- this inquiry is inaccurate and unauthorized and needs to be removed per the Permissible Purposes of Consumer Reports. 

XXXX. Conserve - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ( XXXX ) XXXX o Request that they remove the unauthorized inquiry. 
XXXX # XXXX ( XXXX for {$830.00} ) XXXX XXXX  XXXXXX XXXX ( Equifax {$830.00} ) XXXX # XXXX ( XXXX {$830.00} ) According to the Fair Debt Collection Practices Act ( FDCPA ) Law Code : 15 U.S.C. 1692 et seq., and 15 U.S.C. 1692g. These codes prohibits practices like attempting to collect a debt that is not yours, harassment, or providing false information. I dispute this collection for XXXX. They have not provided evidence that is is my debt, and I am disputing again and would like this collection removed from XXXX, Equifax and XXXX accounts. 


XXXX XXXX - XXXXXXXXXXXXX XXXX {$4900.00} ( EQUIFAX ) XXXX - XXXX {$4900.00} ( XXXX ) XXXX, XXXX - XXXX ( XXXX {$4900.00} XXXX XXXX ( XXXX EQUIFAX ) and XXXX ( ON XXXX ) is still on my credit report and are attempting to continue to collect on the above-referenced accounts on XXXX, XXXX and Equifax. 
I received a Form 1099-C ( Cancellation of Debt ) for this account from XXXX, XXXX on XX/XX/XXXX, XXXX that the debt was canceled. 
According to the Internal Revenue Code ( IRC ) XXXX, the issuance of a XXXX form signifies that the creditor has discharged the debt for tax purposes. 
Your continued attempts to collect on this debt may constitute a violation of : 1. The Fair Debt Collection Practices Act ( FDCPA ) under : * 15 U.S.C. 1692e, which prohibits the use of false or misleading representations about the status of a debt ; and * 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt.

2. IRS regulations governing canceled debts, as this debt was reported to the IRS as canceled. 
I request and requested that XXXX immediately Remove this account from my credit reports and cease all collection activities related to this account. Please provide written confirmation that the debt is no longer being pursued. 
Additionally, if you believe you are authorized to collect on this account, I demand the following : Documentation validating the debt, including proof of the amount owed and evidence that you have the legal authority to collect on this account after issuing a 1099-C. 
Please note that under the FDCPA, continued collection activity on a disputed debt is prohibited until validation is provided.
Product: Credit reporting or other personal consumer reports

DATA BREACH BREACH OF PERSONAL INFORMATION - UNKNOWN HARD CREDIT PULLS ATTEMPTS TO ACQUIRE CREDIT FAILURE TO CLOSE AND REMOVE PAID ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Military Star # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX