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

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re XXXX XXXX XXXX XXXX  : Transunion Concerning : XXXX XXXX XXXX XXXX XXXX Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX Thank you for your time and help in this matter. 
Thanking you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 7 student loans that were initially serviced by Nelnet. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. Nelnet has  responded that they did indeed report the status as Transferred ... however XXXX  still has not corrected the STATUS. They added a comment to the Remarks section but XXXX   did not update the STATUS. 

Below are the Nelnet account reported incorrectly. I've already filed a complaint with Nelnet and they stated they reported the status as transferred and that the error is with XXXX. So XXXX needs to fix. 

Below are the Nelnet accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My XXXX file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO UPDATE COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and Transunion. Please remove the 30/60 day late payments from my credit reports.
Product: Vehicle loan or lease

XXXX XXXX i was denied a credit application for a new vehicle
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent Wakefield and Associates a letter asking them to simply verify the debt I supposedly owe them. I asked for original documents including my signature and how they calculated the debt. 
On XX/XX/XXXX, I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated HIPAA by sending over my medical record number, procedures, and a lot of other personal information I NEVER requested. I never signed a HIPAA form requesting them to access and send over my medical history. They have violated my rights and I will be taking this a step further by filing a HIPAA complaint as well. Not only do I feel violated, I am disgusted at the fact that they should know better!
Product: Credit card or prepaid card

I reported American Express that there was a fraud charge in my American express blue card, The fraud charge is XX/XX/2016, But American express does not have XXXX tolerance to fraud, I mailed them the statement that showed the fraud charge ; and told them the fraud charge, I never had the service, it was a fraud charge, American express told me that they received the statement with the fraud charge, they continue to tell me that the resolution is next month and next month etc, this has continued for half year, and they continue sending me letters like info, close etc? I mailed info to their fraud dept, their fraud dept told me that they received all the info, they do not lack anything. This is a violation in banking that handles fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Collection : XXXX - Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance {$57.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX has violated my rights. ' 15 U.S.C 1681 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I went to check my XXXX XXXX and I have like XXXX accounts that are now in collections for loans and credit cards I never opened. Someone has stole my identity and been using my name to open accounts. They all date to XXXX and XXXX and I can prove that I was in XXXX for those XXXX XXXX ib just got XXXX  XXXX XXXX please fix this and what should I do
Product: Credit reporting or other personal consumer reports

The account with Harley Davidson Financial, acct. # XXXX was opened on XX/XX/XXXX of XXXX. The company is reporting it as opened on XX/XX/XXXX. This is an incorrect reporting detail. 


In addition, the vehicle was repossessed in XXXX of XXXX. It was then charged off in XXXX of XXXX. The finance company reports that the last payment was made on XXXX, XXXX. This is a second reporting detail that is inaccurate. 

The third issue is that there is reporting of a missed payment in one section of the credit reporting, yet on another section it says that I've been on time with the payments 100 % of the time. 

Last, this account has been reported as open, then closed, and now open with a missed payment again.
Product: Credit card or prepaid card

I have been a customer of Chase for nearly ten years. I have had the credit card in question ( Amazon XXXX Rewards XXXX XXXX Card ) for seven years. Since opening the account, I have drastically improved my credit situation ; my current score is now an XXXX, when it was in the low XXXX when I opened the card. 

As such, I submitted a request for a review of the APR for the card, as I had noticed my rate was 22.24 %, which seemed high. Looking at their own advertisements for this card, the variable APR range is advertised as 14.24 % 22.24 %. I assumed I had the highest possible rate because I barely qualified for the card when I opened the account 7 years ago, and incorrectly assumed it would be a simple matter to request this review based on my updated credit file. 

I have been blatantly lied to by Chase in their response, claiming " your current APR is the lowest rate available for your account ''. They have obstinately refused to enumerate the available range of APR values and denied that my citing their advertisement is relevant. I have requested a copy of my cardholder agreement which will undoubtedly confirm that my rate is the highest available, the exact opposite of the lowest they claim it to be ; for some reason, in 2022, it takes 10 days to receive a copy of this after requesting it instead of simply being available as a pdf to view on my customer portal like every other account I have. 

They have refused to provide this range from my cardholder agreement despite numerous direct requests for this information, I am being forced to wait for this stupid agreement request to be fulfilled ( naturally by a wasteful paper copy by mail so I can't easily search it digitally, as well, a legal tactic that several court circuits have soundly condemned as unethical ). 

I believe I am well within my rights as a borrower to receive this information when requested, and to request a re-review of my APR. Certainly they are in violation of their end of the agreement by refusing to provide simple information when requested, and by lying about the status of my account 's interest rate, claiming it is the " lowest rate available ''. 

I'm uncertain of my rights with regard to a review of my account 's interest rate, but if not, then what is the point of the variable rate if they can simply decide to lock you at the highest possible value and never allow you to escape being punished for being poor a decade ago? It feels misleading to advertise that a range of rates is available " based on credit-worthiness '', and then refuse to take my current credit report into consideration and simply flatly deny my request for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX removed. 
Any late payments on open accounts with Capital One be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I am writing to complain about XXXX XXXX XXXX. 

My name is XXXX XXXX and I am complaining on behalf of my sister, XXXX XXXX XXXX. I am a resident of CO and XXXX XXXX is a resident of NV. I received a harassing phone call from XXXX this morning, XXXX/XXXX/17, informing me of her debt in violation of both CO and NV state regulations. XXXX XXXX has never resided in CO, has never shared a phone number with me, and I have no knowledge of or interest in her debt. I believe my sister has suffered embarrassment and harassment as a result and I demand that XXXX make this right. 

For your reference the name of the debt collector is XXXX XXXX and the phone number is : XXXX XXXX
Product: Mortgage

On XX/XX/19 I received a letter from Wells Fargo stating they were recalling my mortgage loan and we were in foreclosure. Prior to this letter, I have been working with the company on loan modification and paying to make the account current. We have been in communication by phone for 2 months prior to now consistently. Leading up to this letter, my most recent calls being XX/XX/2019, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was never mention of this happening or being a possibility. Until the phone call on XX/XX/XXXX, I was working on loan modification, making payments trying to catch up and work with Wells Fargo to keep my home. The phone call the 13, when I was calling to make a payment, I was told we were in foreclosure and no one could talk to me or take a payment. Upon getting home that day, I did have a letter in the mail stating in foreclosure and i need to move out or pay the remainder of my mortgage {$56000.00}. No other communication of letters or mail ever came to me except my monthly billing statement. NOTHING. On XX/XX/XXXX I spoke with the person in charge of my loan modification, and he did personally discuss foreclosure and kept bringing up something called a reinstatement amount, and all about a default letter, a cure, etc ... None of this stuff had been sent or told to me. NONE. ALL I have received is that now we are in foreclosure and a sale date is pending to be set. He also spoke about the law firm handling my case, again have received nothing. He reviewed my case in their system and stated and agreed none of this had been sent to me. None of this showed in my history data in their system being discussed or sent with/or to me. He could confirm all the phone calls I have above mentioned and more with no notes of this. I was told by him a court case has already been filed against me. I also have no information about this. Now or prior. He stated " I just should have expected in being behind in my mortgage. '' My mortgage was 120 behind on XX/XX/XXXX by this time I had already began loan modification and working with them to bring current. Truth in Lending Act states dual tracking by a creditor cant happen. I was doing my part. There was no way I could have " expected it being behind in my mortgage. ''
Product: Credit reporting or other personal consumer reports

I contacted Lexis Nexus because my homeowners insurance went from {$2000.00} to {$4000.00} increasing my rent from {$1800.00} to {$2200.00}. XXXX reports that I did a claim for a fire and I never did a claim. I had a small exhaust fire and the adjuster wanted to see if it was worth doing a claim and it was not because my deductible was {$1000.00} and the damage was less than that. No claim was filed and a letter was given to me by the adjuster to verify the withdrawal and to show no claim was filed which I am attaching. XXXX went up on my insurance because they stayed I filed a fire claim and refuses to talk to their own adjuster about what happened. I am unable to get insurance with anyone else due to a fire claim, Noone wants to insure me. I feel like I am being scammed and Nationwide refuses to look into this and keeps telling me to contact XXXX XXXX ( the agent ) and when I do they put the blame back on Nationwide. I contacted Lexis Nexis and provided the proof of no claim being filed but the fire claim is still on the report. I stated no on the report because no changes were made even though I sent in proof. I can not afford to pay {$2200.00} a month in mortgage, {$1800.00} was comfortable for me. I would like someone to look into the claims on my report. It should only be a waterheater and no fire claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

JPMCB CARD XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Student loan

I submitted an application to change my Income Driven Payment plan on XX/XX/year>. The application went from XXXX to my loan servicer, EdFinancial. I received confirmation from EdFinancial that they received the application and it is showing as processing in their system. According to the FSA guidance to loan servicers, they are supposed to place accounts in a Processing Forbearance that counts towards PSLF progress while the application is being processed ( see website linked below and quote from website ). I have submitted multiple requests over email with EdFinancial to be placed in Processing Forbearance while my application is being processed. In my latest correspondence, they said the request was denied, and refuse to provide any explanation for why the request is denied. 

XXXX XXXX XXXX " If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance that does provide IDR and PSLF credit. ''
Product: Checking or savings account

I receive a message on line telling me : Capital one is blocking you from enabling external applications. I went into Bank, call the phone number providedXXXX spoke to someone who could not help me!!
Product: Credit reporting

I have contacted Equifax and XXXX XXXX XXXX to remove an installment account from XXXX from my Equifax credit report. Equifax removed the incorrect item on XXXX XXXX, 2015 however placed the erroneous information back on my credit report XXXX 2015. XXXX did not probe that the debt belonged to me, so it was removed. Equifax told me that they can not remove XXXX because it was disputed before. I am requesting for Equifax to remove XXXX since no evidence has been give to prove the debt is owed by XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX without my authorization charged my Bank of America Master Card. I notified the Bank of America which then cancelled the said card and issued me a new one with a different credit card number! 

But the Bank of America repeatedly has refused to delete the unauthorized said charges of XXXX XXXX! 

The Bank of America by law must do so! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX XXXX pro se