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

Consumer protection submission I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) In XXXX, I applied to Borrower Defense Program with the US Department of Education.

During the application review period, my loan ( s ) with Nelnet were automatically put in an administrative forbearance. 

XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payments were still on hold. 

XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. Payments were still on hold. 

XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXX v. XXXX lawsuit. Payments were still on hold. 

XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' It appears that Nelnet has discharged the loans. HOWEVER, the have marked them as delinquent. That is erroneous. No payments were due during the application process, during the lawsuit and during the period when Nelnet was required to fill its legal obligations as outlined in the settlement. 

This erroneous classification of my loans has caused my credit score to drop significantly. I would like for it to be corrected. 

I have emails and screenshots to for reference if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been added to my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report, as they were opened or made without my consent : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Student loan

I paid and additional amount on my loan trying to pay just the principal, over half of my payment is going to interest. I also had my account auto debited for the month of XXXX on the XXXX, when no payment was due for the month, without any notice that a debt would still be take, if you are on auto pay, even if no payment is due for the month.
Product: Mortgage

I refinanced in XXXX 2015. My escrow funds on XXXX XXXX were {$1100.00} indicated in the mortgage payoff statement. My new mortgage company ( XXXX XXXX XXXX ) wired the payoff funds XX/XX/2015 which included my city taxes. My old mortgage company ( Nationstar ) paid my city taxes ( {$670.00} ) as well. My mortgage broker told me that I should be receiving a check for {$1100.00} because that was the balance in my escrow funds. I called my city treasure and they told me that they sent a check to Nationstar on XXXX XXXX, 2015. The city treasurer told me to call Nationstar in a few weeks. I called Nationstar in XX/XX/XXXX. I was told by Nationstar that I would receive my check for {$670.00} in 10 days. I asked them why it was n't {$1100.00} and they said they needed to pay for taxes. I asked them about the taxes and they said it was city taxes. I told them there was n't any taxes to pay for. It did n't make sense.Then 4 weeks went by, there was still no check. I called them in XX/XX/XXXX and again they said my check would be delivered in 10 days. Still there was no check. Contacted them in XX/XX/XXXX and again they said that my check was on the way. Still have not received the check of {$1100.00}. I heard about your site and now am reporting Nationstar for not giving me my escrow balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to XXXX XXXX via US Mail on XX/XX/2018. I received notification from Equifax, XXXX and XXXX that XXXX XXXX was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by XXXX XXXX, to show that I signed the document in the presence of a notary. XXXX XXXX has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Wells Fargo Dealer Services were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted Wells Fargo to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting Wells Fargo for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. Wells Fargo is well known for their fraudulent practices
Product: Checking or savings account

On XX/XX/2020 my Bank of America XXXX checking account was closed out of no where for no reason no explanation with a account balance over XXXX dollars I was told I'd have my balance mailed to me in the form of a cashiers check by the end of XXXX I employed 4 employees and during the pandemic they all applied for there unemployment benefits since they didn't have bank accounts they asked if they can have it deposited into my account and pay them cash which I agreed to do so on the day of the deposit I tried to with draw there money to pay them but was told there was a limit of XXXX I can withdraw that day so I proceeded with the transaction then later that day I find out that they closed my account abruptly no warning nothing and this caused problems between me and my employees they was thinking I was trying to keep the money for myself so I had to pay them from my personal savings after being told that they would mail me a check then I was instructed to bring my employees to the branch to speak with the manager which I done so on XX/XX/2020 after the conversation the manager said I everything looks good and that I will receive the check in 2 weeks after 6 weeks and still not receiving the funds I called the unemployment office to verify if the funds was reversed or returned to them and was told no it has not been returned then I proceeded to call the bank which they said they returned the funds even though I told them that no the funds was not returned and with this ordeal I lost {$11000.00} paying my employees and now being told the funds will be returned this bank is the biggest fraud I will never in my life deal with a single thing associated with bank of america I will not quit pursuing them until I am payed back all the money owed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report to find XXXX XXXX has several error on my report. It is missing the account type for XXXX, it is showing a charge off XX/XX/XXXX - XX/XX/XXXX on Experian, yet it shows Paid on XXXX. It also is reporting as charged off while showing a current due balance. A charge off means they took the tax break already, so they can not also collect on said debt. 

Under FCRA ( Fair Credit Reporting Act ) section 609 I have the right to dispute any and all incorrect information being reported on my consumer reports which I am exercising with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. XXXX. XXXX and Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 and states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ONLINE INFORMATION SERVICES is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ONLINE INFORMATION SERVICES, the financial institution and the Consumer reporting agencies XXXX, XXXX and Equifax do not have my consent to furnish this information and they certainly do not have my written consent. Any and all consent to XXXX, XXXX, Equifax and ONLINE INFORMATION SERVICES whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states " A financial may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ONLINE INFORMATION SERVICES has yet to inform me of my right to exercise my nondisclosure option. Furthermore, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that the company is reporting without my permission which is against the law. 15 USC 1681 s-2 ( a ) ( 1 ) a states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to AVOID violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX, XXXX and Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I saw XXXX accounts on my credit report from XXXX That are not mine, I was never notified with a Collection notice from this company, or given a chance to dispute this. So I was going to send them a letter to dispute these two accounts, and this company has not provided TransUnion with a mailing address or phone number. 
This violates FCRA section 623..

The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the two accounts and they never sent any electronic communication to me. 

Ive included a copy of both of the accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXXXXXX XXXX. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXXXXXX XXXX  and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Product: Checking or savings account

Have had many issues with XXXX and USAA investigation into concerns. It seems retaliatory in nature as ever since Ive raised concerns with CFPB, USAAs imposing stricter timelines and actions on me. 

Was just notified electronically that a credit reversal will take place on XXXX thats literally only 5 business days. It takes longer to receive the credit and Im not confident in the investigation.

In any case, 5 business days is not sufficient to plan {$760.00} debit in todays economy. Whats with the inconsistency in timeline for credit reversals. 

I plan to seek outside assistance as Im confident that not all credits are reversed with 5 days notice- in fact I can prove this.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries- Request for Removal Dear CFPB, I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit reports. These inquiries were not authorized by me and need to be removed from my credit files promptly. Below is a detailed list of the unauthorized inquiries by credit bureau : Experian : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Via Dealer ( XX/XX/XXXX ) I respectfully request that the CFPB assist in investigating these inquiries and work with the respective credit bureaus to ensure these unauthorized hard inquiries are removed from my credit reports. These inquiries negatively impacted my credit score and were not initiated by me or with my consent. 

Please let me know if any additional documentation or information is required to resolve this matter. 

Thank you for your time and assistance. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

I began experiencing financial difficulties in XXXX after separating from my job, which has led to my inability to make timely payments. Since then, my account has been reported as having missed payments, and this has continued through XXXX. 

Despite my efforts to communicate with my creditors and explain my situation, I have not seen any resolution or understanding regarding my circumstances. The ongoing reporting of these missed payments has significantly impacted my credit score and financial stability. 

I kindly request your assistance in addressing this matter. I believe that my situation warrants consideration, and I would appreciate any guidance
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit run yesterday for mortgage pre-approval and an address came up that is not mine. The address below does not belong to me or any of my associates ever. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and i summited a police report to all XXXX credit bureaus and disputed all unauthorized hard inquiries and disputed a collection that did not belong to me and advised them that this is also against XXXX XXXX. The fraudulent inquires and collection were not removed.
Product: Checking or savings account

My wallet was stolen around XX/XX/2022 Made a XXXX $ claim the bank denied the claim and closed the case unpaid showing that it was paid. Want to collect my funds.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 

15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Product: Checking or savings account

On XX/XX/XXXX a withdrawal showed up in our checking for {$77.00}. It supposedly was to XXXX  of XXXX Ohio.. That same day I went to the bank and disputed the claim and canceled my debit card. I then searched on line for XXXX of XXXX Ohio and actually drove to that address that was on line. They had never heard of us before and we were not in there system ever. When we got the reply back from the bank they claimed it was valid and we had actually used a chip. This absolutely wasn't true so I disputed the claim again.and I requested the address and contact information for the business. This time it came back as a utilities company with no address or telephone number. I searched on line again and XXXX of XXXX Ohio came back as a marine recruiter. We have not lived in the XXXX XXXXXXXX area for 10 years so I highly doubt it was a utilities bill. I'm hoping by now you're convinced that the bank didn't even investigate this. I've talked with the bank PR person several times and she couldn't even get me to the correct extension and basically told me to not call back because they wouldn't be willing to share any information. All I really request is a valid name and address or put the {$77.00} back in my account and I'll quit bothering them. I've been with this bank since approximately XXXX when ever they took over XXXX XXXX. I hope you can help me. Thank You!