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

I purchased a XXXX XXXX XXXX  at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NY the loan company they used is credit acceptance. The start date was XX/XX/XXXX I paid and paid and paid and that is considering I only had the vehicle for half of XXXX before the piston went through the motor block and the car was not drivable. I contacted autos by XXXX as well as credit acceptance and was told there was nothing that could be done I had to pay the loan. It is now XX/XX/XXXX and theyre saying I owe {$2000.00} still which doesnt seem accurate at all. The monthly payment amount is {$270.00} and once I asked for my payment history a couple days went by and now I cant see my payment history at all, cant see contract details either. I log into credit acceptance website and it says please contact us at XXXX to discuss possible payment arrangements. I would really like this looked into please. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove immediately from my credit report accounts dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, Nelnet is NOT the original servicer of NELNET Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

Nelnet has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following NELNET Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Debt collection

They have repeatedly contacted my  XXXX   year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my  XXXX   year old  great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX are consumer reporting agencies and I am the ConsumXXXX. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' XXXXXXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution 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. '' Any and all consent to XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX  XXXX XXXX Never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( 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. Not only that 15 USC 1681C ( 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 anteaters the report by more than seven years. '' 15 U.S. Code 1681e 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services. Due to XXXX and XXXX not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted XXXX  XXXX and Experian to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : 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 via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.
Product: Vehicle loan or lease

I HAD AN AUTO LOAN WITH ALLY AUTO ON MY XXXX XXXX XXXX XXXX, WHICH I REFINANCED THROUGH XXXX XXXX XXXX IN XX/XX/XXXX. XXXX  PAID OFF MY LOAN ON OR BEFORE XX/XX/XXXX IN FULL, WHICH ALLY CONFIRMED XXXX OFF BEING PAID OFF BY XX/XX/XXXX. ALLY AUTO STILL TOOK THE XXXX WITHDRAWAL FROM MY ACCOUNT OF {$850.00} ON XX/XX/XXXX. I CALLED ALLY ON OR ABOUT XX/XX/XXXX TO NOTIFY THEM OF THE OVERDRAFT ON THEIR PART AND THEY INFORMED ME THAT IT COULD TAKE UP TO 30 DAYS TO REFUND MY {$850.00}. IT IS NOW XX/XX/XXXX AND I DO NOT HAVE MY REFUND. I CALLED TODAY AND ALLY INFORMAED ME IT COULD TAKE UP TO 55 DAYS FOR THEM JUST TO RESEARCH AND APPROVE MY REFUND?????? AND THEN ADDITIONAL TIME TO REFUND THE MONEY. THEY ARE REFUSING TO PAY SIMPLE INTEREST ON THE LOSS OF USE OF MY OWN MONEY WHILE THEY DILLY DALLY REFUNDING MY OWN MONEY WHICH THEY WITHDREW IN ERROR. THEY LIED TO ME DURING MY FIRST XXXX ATTEMPTS AT CONTACT TELLING ME IT WOULD BE 30 DAYS, ONCE THE 30 DAY WINDOW WAS GONE, NOW IT XXXX PLUS DAYS. ALLY HAS RESTRICTED MY ONLINE ACCESS TO MY ACCOUNT AND I CAN NO LONGER OBTAIN MY STATEMENTS OR MY EMAILS TO THEM ABOUT THIS MATTER IN A DUBVIOUS ATTEMPT TO COVER THEIR TRACKS AT CONDUCTING BUSINESS IN BAD FAITH AND DEFRAUDING ME. I HAVE CONFIRMATION EMAILS ONLY SHOWING MY ATTEMPTS OF CONTACT, BUT THEY HAVE WIPED THE MESSAGES FROM MY ACCOUNT. ALLY 'S BUSINESS PRACTICES ARE SUBSTANDARD AND IN BAD FAITH AND ARE CAUSING ME FINANCIAL HARM DURING A TIME WHERE I AM OUT OF WORK DUE TO A MEDICAL CONDITION, FACING RECORD INFLATION, AND STILL HAVE TO MAKE A {$800.00} CAR PAYMENT NEXT WEEK TO ANOTHER CREDIT UNION, BUT MY MONEY IS BEING HELD CAPTIVE BY ALLY BANK. IF I DID NOT PAY MY LOAN ON TIME, ALLY WOULD CHARGE ME A LATE FEE, SO WHY AM I NOT ENTITLED TO INTEREST IN RETURN. I DEMAND THEY PAY 12 % MONTHLY INTEREST ON MY LOSS OF USE OF MONEY, WHICH IS THE STANDARD ITEREST RATE IN ANY LITIGATED MATTER, WHICH THIS WILL SOON BE IF ALLY DOES NOT GET THEIR ACT TOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry please remove this inquiry and block this creditor. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, please remove this inquiry and block this creditor. 

PERSONAL ( ADDRESSES ) : XXXX XXXX XXXX XXXX XXXX XXXX I do not and never have lived this address please delete this from my credit report. 

PERSONAL ( EMPLOYERS ) XXXX XXXX XXXX I have never worked at this company please delete this from my credit report. 

XXXX I have never worked for this company please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit reports.Also the creditors are in violation thats on my all three credit reports those companies are harassing me daily! Day and night!
Product: Student loan

I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX  discharge due to their application approval? I am very confused and would like this situation resolved.
Product: Student loan

I have called multiple times from XX/XX/2021 thru XX/XX/2021 to make a payment. I can not reach a live person. When I try to make the payment it keeps kicking my off and now they have added multiple late fees. Sallie Mae is the absolute worst company I have every in my life dealt with. I do not know what I need to do at this point because I can not speak to anyone. I was on hold for over an hour and never got anywhere!!!!
Product: Checking or savings account

Someone attempted to open an account at Bank of America in my name without my permission or consent. I DID NOT attempt to open an account at Bank of America, I am happy with my current bank. The account opening was declined. I suspect someone has my information.
Product: Mortgage

Filed for Chapter XXXX bankruptcy XX/XX/XXXX Loan servicer ( Ocwen ) offered a modification XX/XX/XXXX. The modification was to begin XX/XX/XXXX. It was to end XX/XX/XXXX. 
Accepted modification completing all specified steps required to do so. 
Mortgage payment statement changed XX/XX/XXXX. 
XX/XX/XXXX the Ocwen statement increased by over {$1400.00} US. 
Ocwen stated that the period of an interest-only agreement had ended. 

We agreed to a modification not a 5 year only interest only agreement. I am making the payment ( XXXX ) consistent with the modification agreement. I have retained in hopes that the matter could be resolved quickly without destroying mat already-poor credit rating. Both the lawyer and the servicer are unresponsive. Meanwhile it looks as if we may lose our home. We are receiving frequent notices of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX ACCOUNT # XXXX IS A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquiries, I request an investigation to be made about these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed out some disputes to Transunion regarding some inaccurate reporting of a bankruptcy. I have yet received any update or deletion of this account. 

SEE ATTACHMENT
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You ha

ve knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

To Whom it XXXX Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of XXXX for an old Spectrum account. 

I am disputing the validity of this collection and the reporting of it for the following reasons : While I did previously have a Spectrum account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX 's instructions I returned all the equipment. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting or other personal consumer reports

someone use my identification and open capital one credit card in XX/XX/XXXX with credit limit of {$3000.00}. In XX/XX/XXXX when i pulled my credit report than i found out i have credit card with capital one, I called them and disputed the account and told them i am not aware of that card and i never received this card or statement. they told me to do the police report and identification report and send them, I did do the police report and identification theft report and send it to them. Meanwhile i asked them to send the statement to me to give it to police but after my 3 requests they did send me the statement. I hand over those statements to the police officer. After a month investigation the police officer told me He couldn't find any evidence for that card using those hotels. All the hotels and places where that card was used, they don't have video recording saved for more than a month, since its more than 3 moths, there is no evidence i was able to collect. I told the the capital one all the police investigation but they are telling me that card was delivered at your home and when i asked them for proof, they never gave me second they telling me i used my phone to activate it but the cell phone number ( XXXX ) the giving me is not my number, but they keep insisting they have proof that number is mine but they never give me proof. 
I been using one cell phone ( XXXX ) since XXXX and i have been in business since XXXX and all my vendors, friend, customers relatives have that number, I been disputed this account since XX/XX/XXXX but never be able to convince them that is not my account. 

since their negative reporting affecting my credit score. i was planning to refinance my home and buy a new car but their negative reporting is not letting me to do anything. 

please take action against the capital one and remove my account permanently. 
its not my account, i never received this card and i never used this card
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.