23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I cosigned a car loan for my sister in XX/XX/2020. I had an excellent credit score so XXXX XXXX XXXX switched our Social Security numbers and put my sisters Social Security number under my name and my Social Security number under my sisters name on their forms. As a result XXXX  is now reporting my identity as formerly known with my sisters name as my former identity. What Nissan did was unconscionable. XXXX XXXX Nissan fraudulently misrepresented information by putting me on the loan as the primary applicant instead of a co-signer. They also fraudulently reported that my sister and I were one person ( an AKA identity ) This has caused my XXXX  credit score to plummet 100 points. I have made several efforts to contact Nissan. I spoke with XXXX ( Nissan employee ) as recently as XX/XX/2020. I then spoke again with XXXX XXXX ( Nissan employee ) on XX/XX/2020. On both occasions they admitted to the error but have not rectified the problem. On XX/XX/2020 I called Nissans corporate office and filed a formal complaint. They reached out to XXXX XXXX Nissan who promised once again to rectify the problem but true to form, they never made any attempt to rectify the issue. This has caused me financial problems with regards to my ability to transact business. Im a XXXX XXXX and this has affected me adversely. So far XXXX XXXX Nissan has made no effort to rectify this problem that they created. They continue to give me the runaround and make promises to fix the problem without any intention of ever doing so. Their refusal to rectify a problem they created leads to the obvious conclusion that they knowingly committed fraud by falsifying vital information in order to benefit financially. A conversation on XX/XX/2020 at XXXX with the owner of XXXX XXXX Nissan, XXXX XXXX once again yielded nothing. Mr. XXXX called me and attempted to to act like he had no idea what his company had done. He asked me to forward documents which I promptly emailed to him immediately. Of course Ive never heard back from him after sending him the proof and at this point, I really didnt expect to. I believe from our conversation that as the owner Mr. XXXX XXXX is fully aware of, if not party to his companys fraudulent actions. XXXX XXXX Nissan did something criminal by falsifying information on a loan application and thereby committing identity theft. As a result of Nissans fraudulent actions, my credit score plummeted, dropping by more than 100 points and negatively impacting XXXX XXXX and my personal life in numerous ways. The fraudulent actions taken by XXXX XXXX Nissan has caused me immeasurable stress and anguish.
Product: Credit reporting or other personal consumer reports

I have been going through a financial hardship including job loss along with taking care of my father who was in the XXXX  XXXX. This creditor wasnt willing to work with me. I also had to get a new bank account as well. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Student loan

Sallie Mae is keep raising my payments even with my paying them offf they keep going up another {$1000.00} I find this unfair and not very professional I been having problems with this company for the past 2 years now, I am out of college and sallie Mae and bringing me into debt
Product: Checking or savings account

This complaint is against Chime Bank my current bank. Problems started up in XXXX of this year when Chime incorrectly withheld my funds that I had authorized to be paid from my own bank account with my own hard earned wages towards my credit card by XXXX XXXX bank. The first time this occurred was on XX/XX/XXXX causing XXXX to place a hold on my account and not have my available credit posted. Then again this occurred on XX/XX/XXXX when I authorized another cc payment to XXXX from my own bank account at Chime. Again Chime bank refused to honor that payment which in turn caused XXXX to permanently close out by cc account stating that my bank which is Chime is not honoring the payments and they did not want to have my business anymore. Not only has this caused a lot of stress for me as I have been making huge payments on my credit card from my own bank account but the credit has been unavailable to use due to Chime not releasing the payment to XXXX but also debiting my account for the same. After numerous complaints Chime bank finally acknowledged their error and attached is the letter I received from them last week. To date I have not received my cash rewards from XXXX that I earned since XXXX of XXXX with my own hard earned money. I have no idea why and I have filed a separate complaint against XXXX for the same. 
I have now opened a new cc account with XXXX XXXX and it seems like the same event is happening again. I made a {$1000.00} payment on XX/XX/XXXX and XXXX XXXX has still not made the funds available for me to use and its XX/XX/XXXX today. I need Chime Bank to be held accountable for their banking errors
Product: Credit card or prepaid card

1. I obtained this card from BBVA on XXXX, XXXX  2. the card was blocked about an week after I used it, then I called BBVA several times, each time, I was told there was some system issue with the bank so I was asked to wait. 
3. about on mid XXXX, I was still not able to use the card, so I called again, and was told there was some suspected fraud activity and I need to contact fraud department. 
4. I called the fraud department after on hold for one hour, then finally reached some one, who has requested me to go to local brand for verification, which I deemed too risky during the pandemic, then the agent contacted her manager, and asked me to send a selfie picture with ID, which I promptly sent it the second day.. 
5. After two weeks, I am still not able to use the card, so I called again then I was holding for another hour, then I was told to wait until someone reaches me. 
6. Now it has been an month since I send in the picture, I am still have not received any response.
Product: Student loan

My Direct Joint Spousal Consolidation loans was transferred to Mohela. My payment trackers are not showing. I have applied for XXXX under the waiver and have XXXX eligible payments. A XXXX to XXXX from XXXX was issued XX/XX/XXXX effective XXXX of XXXX. Prior to this a had a direct to discharge issued in the spring, canceled XXXX XXXX and reissued XX/XX/XXXX. XXXX promised to discharge my portion of these loans prior to transfer and did not do that. Now it appears part of my data has been lost as well. I can not reach anybody by phone or chat. My portion of the loans should have already been forgiven. I would like information as to when my loans will be forgiven. 

Also, my loans are in a non-interest accruing forbearance and it looks on my account that interest has already been charged on my account since the transfer. 

Id also like information on the XXXX  waiver as that should take care of my ex-husbands portion of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are credit inquiries that are on my credit report that I did not authorize authorize or did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about this issue, as it was assumed a third party submitted the complaint, but that is false as it was me. The complaint ID for my previous complaint is : XXXX. As a response, I've attached a new document, " Demand of Removal ( Attached ) '' confirming that I am not a third party and it is I the consumer submitting the complaint. I've also attached the previous documents I attached. 

I will repeat the problem below : I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Experian, which is a violation to my rights to privacy as a consumer. Furthermore, Experian exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.
Product: Debt collection

Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudelent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

The transaction happened on XX/XX/XXXX. It was a {$2000.00} transaction. I never authorized this transaction. I contacted Bank of America about it but they denied my claim.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft with fraudulent personal information falsely attributed to my credit report. These unauthorized accounts and transactions have caused significant financial and reputational damage, severely impacting my personal and economic well-being.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. An application was sent to Mohela on XX/XX/XXXX certifying all my employment. Mohela is not even processing my PSLF application. They closed it as a duplicate however the only other application on file is listed as cancelled. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against the XXXX credit reporting agencies of XXXX, XXXX, and Equifax for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and XXXX are reporting the high balance on this account as XXXX. Contrary, Equifax is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and XXXX are reporting date of last activity as XXXX. Contrary Equifax is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both XXXX and Equifax reports are void or missing Date opened. 4. Also, both XXXX and XXXX are reporting date of last payment as XXXX. Contrary, Equifax is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both XXXX and Equifax are reporting completely different payment history as to days late on two year payment history calendar. XXXX reports 30 days late in XXXX of XXXX  and Equifax reports 60 days late in XXXX of XXXX. XXXX again reports 60 day late in XXXX of XXXX  and Equifax reports 90 days late in XXXX of XXXX. Then XXXX reports 90 days late in XXXX of XXXX  and Equifax reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then Equifax report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments XXXX says the consumer has XXXX 90 days late compared to Equifax reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.
Product: Credit reporting

Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX XXXX XXXX XXXX  : Bankruptcy Date Filed XXXX XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Balance - ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called everyone in my family : my sister, my mom, my sister in law, my sister in laws husband, my mother in law ; but would not call me back to even ask what this was about. XX/XX/19. They stated that it was an emergency making my family concerned for my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself XXXX XXXX submittiing this complaint without any influence from no third party or agency at all. The attached documents with my I.D . contains my full complaint and requests
Product: Credit card or prepaid card

I received a letter from American express on XX/XX/XXXX requesting information on people I had talked to in regards to the charge to my account from XXXX   The letter was dated XX/XX/XXXX. This is the first time I have ever received this letter.

I responded the next day XX/XX/XXXX by faxing this letter. American express closed my case without ever responding to me. That is very unprofessional.

American Express Dispute reference # : XXXX  Account ending in XXXX  Fax # XXXX Dear American Express Today I received a letter Dated XX/XX/XXXX advising me that you need to know the people I spoke with regarding the {$9000.00} charge to XXXX. Why Im receiving this letter a month and 2 weeks from the posted date I am very concerned about.

Here is the list of dates and names of employees I spoke to from XXXX. I have already submitted this information, but I will send it again. I could never speak to the owner, the employees shielded her from me. The calls to XXXX XXXX I demanded my money back because nothing was working the way the owners had explained. The software didnt work. The promises made by the owner was not happening. The wholesalers list was not accurate or complete, etc. etc. etc. She tried to apease me and talk me out of getting my money back because it was past the 3 days given by law to get a refund. I expressed to all the others that the system provided by XXXX  was not working. By XXXX of XX/XX/XXXX I gave up complaining and expressing dissatisfaction.

XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Mortgage

Subject : Complaint Against XXXX LoanCare Dear CFPB XXXX, I am writing to file a formal complaint against XXXX LoanCare regarding their negligent handling of the payoff statements necessary for the closing of the sale of my home. 

On XX/XX/year>, I, along with my XXXX XXXX XXXX requested payoff statements from XXXX LoanCare well in advance of the scheduled closing date of XX/XX/year>. Despite following up multiple times, the payoff statements I received were improperly encrypted, which created unnecessary delays in the closing process. 

After several requests, I finally received a properly encrypted payoff statement ; however, it contained a duplicate amount associated with a separate XXXX partial claim XXXX, which is already reflected in the XXXX payoff statement which I requested and received within XXXX hours. This oversight XXXX complicated my transaction and further pushed back the closing date. 

Ultimately, due to the repeated delays and ongoing struggles with XXXX LoanCare, the buyer for my home decided to cancel the transaction. This has now forced me to re-list my property, which has added more stress and financial uncertainty to my situation. 

Additionally, I have contacted XXXX LoanCare twice since the original incident, seeking an updated payoff letter, and each time I was assured that the document would be sent shortly. As of today, XX/XX/year>, I have yet to receive anything, which totals a full week, or XXXX business days, of waiting after my last communication. 

I believe a review of my calls and communications with XXXX LoanCare will substantiate my claims and reflect the negligence that has caused significant inconvenience and financial distress. 

I kindly request that the CFPB investigate this matter and provide me with guidance on how to proceed. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX ignored my opt notice on XX/XX/XXXX. XXXX, Equifax, and XXXX have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, Equifax, and XXXX are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report.

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, Equifax, and XXXX. 

I've uploaded all relevant documents.
Product: Consumer Loan

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Product: Checking or savings account

Multiple cards for XXXX XXXX charged on my account. They have done nothing. 

Starting in XXXX XXXX by BB & T XXXX