23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : THE XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 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 a 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 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: Mortgage

During the pandemic years, my mortgage was owned/serviced by Community XXXX XXXX XXXX who took over that responsibility from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Even though the pandemic was at its peak, I approached Community XXXX XXXX in XXXX XXXX about getting on a Loan Modification Agreement. 
We agreed that, after I made 6 consecutive monthly Trial Plan Payments in the amount of {$3400.00}, which I did, I would then be offered a Loan Modification Agreement, which I was. 
However, on both XX/XX/XXXX and on XX/XX/XXXX, Community XXXX XXXX sent me the XXXX to sign. Plus, they added new settlement terms without telling me beforehand but did advise me that i should review same with counsel and respond back if I had any questions about the terms of the new XXXX. 
So, when I wrote back to them on XXXX XXXX XXXX asking which of the two sets of documents should I sign, the XX/XX/XXXX version or the XX/XX/XXXX version, plus asking for an explanation of new XXXX settlement terms, such as a balloon payment after 15 years of which i had no prior knowledge, they decided to ignore me and not answer me. 
Apparently, this is because they were, at that time, in the process of negotiating the sale of my loan to the infamous lender known as Nationstar Mortgage LLC dba Mr. Cooper who had just been sued in federal court by the CFPB and fined {>= $1,000,000}. 
It would appear that I have a valid Section 8 claim, under RESPA, for undisclosed settlement costs.
Product: Debt collection

XX/XX/2020 original creditor XXXX XXXX XXXX amount went from XXXX to XXXX from debt buyer XXXX XXXX XXXX. the other is XXXX XXXX XXXX XXXX XXXX amount XXXX, debt buyer portfolio recovery associates.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft I am a victim of identity theft there are information of purchases on my credit report I do not recognize such as last four digits of banking accounts, license plate numbers, I have never had a drivers license never in my life, leased, owned vehicles under my name where someone has been utilizing my personal information to register and buy vehicles, cell phones and opening banking accounts under my name fraudulently I have been denied access to freeze my Experian account, I have been denied access to a free once a year credit report Please see attached photo from experian website stipulating accounting to their records there are vehicles purchased and leased, license plates under my name. 
Banking accounts under my name that I do not own and do not recognize
Product: Checking or savings account

I attempted to have money taken directly out of my checking account by using routing and account number for XXXX which I had more than requested, to make an online purchase, and the bank declined my charge. 

I then contacted the bank asking why it was declined and requested that my debit card limit be raised to XXXX so that I can complete a purchase of a sale item, and was told no. I questioned why I do not have access to the requested amount, even though my balance had more than what was being requested. I was told that I would have to speak a certain department requesting access to that much money, and their decision could take days. Which, would cause me to miss the sale and pay a higher price for the same item. 

I am not asking for credit line increase, I am asking to be able to use the funds that are showing available in my account and am being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX  Balance {$0.00}
Product: Bank account or service

US Bank branch refused to accept pennies in a jar, about {$10.00} dollars worth. Bank employees said no US Bank in my area accepts large amounts of pennies. I called national customer service who said each branch can have its own policy, but could n't tell me a location that acually would accept pennies. 

Apparently the Federal Reserve does n't have a regulation requiring banks to accept pennies. If that 's the case, what value do pennies have if nobody is willing to accept them? If banks refuse pennies, and the Fed does n't mandate banks to accept them, then obviously neither one of them wants the pennies. This makes pennies worthless, so why would I, or any consumer, want them? What if consumers refused pennies as a form of change from merchants because they have no value? 

Finally, if the policy of banks and the Fed have rendered pennies worthless, why ca n't consumers melt them for the copper value? Pennies ca n't be melted because they are US currency, but should n't anything defined as US currency have a value of more than XXXX? 

Either the Federal Reserve needs to require banks to accept pennies, or it needs to allow consumers to melt them. 

Thank you.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

XXXX This is my Experian file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems Experian has not responded nor to you or me, or has attempted to repair the problem and therefore, does not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604! 

They have not attempted to fix ANY of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. 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 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. '' They have not removed the bankruptcy from my file as per my complaint and the proof from a bankruptcy statement from the Arizona Bankruptcy Court that that they do not share information to third party agencies according to 15 USC 6802 ( b ) ( c ) ; " 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. '' Experian never informed me of my right to exercise my nondisclosure option. 

As well as late payment information still showing up on my Experian credit report that is simply inaccurate! I have never been LATE! 

There are many more codes that defend my rights, but for now, this is negatively affecting me and I want it fixed immediately! Not only that, but they haven't even attempted to fix the easier things like the misspelling of my name, my multiple addresses that aren't mine as they are un-mailable or addresses I never had and finally an account that I NEVER had that is still on the report. It's not my account never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! 

Finally I am opting out of your reporting services per 12 CFR 1016.7!
Product: Student loan

I've sent Nelnet written instructions on how to apply additional payment amounts ( i.e., apply my additional funds to principal only ) and they continue to ignore my instructions. They reply with a canned response and state they will apply additional funds to interest first. I sent them communications on XX/XX/XXXX and XX/XX/XXXX. It is unacceptable and violates my rights. Below is what they send in their canned response to my written instructions : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then accrued interest, and finally to principal. If your account is on an Income Driven Repayment plan, your payment will be applied to accrued interest first, then fees ( if applicable ), and then to principal. Once any outstanding and accrued interest has been fully satisfied, any additional amount received is automatically applied to principal. 
If you pay more than your current amount due : Any payment amount higher than the current amount due will be allocated across loans in repayment status with the highest interest rate. * Once the loans in repayment status with the highest interest rate are satisfied, any remaining payment amount will be allocated across the loans with the next highest interest rate. 
If none of your loans are in repayment status, payments are first allocated to outstanding fees ( if applicable ) and then to interest beginning with loans with the highest interest rate. Once all outstanding fees ( if applicable ) and interest have been paid on the loans not in repayment status, remaining payments will be allocated across unsubsidized loans and then subsidized loans beginning with loans that have the highest interest rates.

*If two or more loans in repayment status have the highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount.

Also, when you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Because your excess payment will continue to be applied to the loan group with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an account with Self XXXX XXXX. I look at my Credit report from XXXX  on XX/XX/2021 and it stated by Balance decreased by {$21.00}. I then, called XXXX  to find out why my score decreased. The customer service rep mentioned she not sure why this happen it should not happen. She stated im on time with my payment and don't owe any thing. She direct me to call the FTC. I called the FTC they told me to call Self Lender. I was on hold for an hour then hung up on. 
I have no late payment with Self. incorrect inform was provide to XXXX. I been on time with my payments. My score drop 41 point because of an error. This need to be corrected.
Product: Credit card or prepaid card

Chase Credit Cards. 
Last year I applied for and received a Chase Slate credit card. The only reason that I got this card was because of XXXX interest until XX/XX/XXXX. 
This week I received in the mail an invoice from a Chase Freedom card. I paid the invoice which was only for {$10.00}. The card number shown on the invoice for the Chase Freedom card is the same number as the Chase Slate card. I was not notified in any way in advance of this change. I was told that my Chase Slate card was cancelled last month ( with out any notice ). I was told that I received a new Chase Freedom card in the mail, which I DID NOT RECEIVE. The new Chase Freedom card, of course, is an interest-charging credit card, which I did not order, and I did not request, and I do not want the Chase Freedom card. So called customer service and cancelled the entire account. I object to this deceptive and unwanted change in these credit cards. I know the XXXX interest rate promotion on the Chase Slate card ends on XX/XX/XXXX. But the Chase people cancelled the Slate card before XX/XX/XXXX, and they say they changed my account to the Chase Freedom card which has a high interest rate. I cancelled all of my credit cards with Chase, and complained about what happened, but did not get any explanation or apology as to why they did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I pulled my credit report. While reviewing the report, I noticed that there are 4 collections on my Equifax report that do not have a credit name/original credit or account name. There is only a balance for these accounts. I am requesting this be removed from my credit report immediately as it does not belong to me, there is no identifying information and its a violation of my consumer rights. Please see evidence provided from credit report.
Product: Student loan

Servicer : Mohela for federal student aid. 


I am part of the PSLF program. Mohela went under a transitioning period where they placed all loans part of the PSLF ( meaning my loans ) to a new servicing platform. I was notified in XXXX that this would take place and that all loan would be forcibly placed on forbearance during this period to allow the transition to occur. I was very concerned about this forbearance as I knew that capitalization occurs after forbearance. I relayed this to Mohela over the phone with customer service in XXXX and was told that the forbearance was required and that this would not occur. I received a letter dated XX/XX/year> stating " Mohela has competed its Loan Servicing Platform Transition for your student loans. '' Today I received a letter dated XX/XX/XXXX reporting Capitalized interest following the forbearance. I called Mohela and the representative I spoke to was very generic and stated that this occurs. I again enforced the fact that this forbearance was required and not optional. I am hoping to have this remedied and for this interest to be removed as it is incorrect and quite frankly unlawful.
Product: Credit reporting or other personal consumer reports

Recently reviewed copy of my credit report and noticed I have fraudulent accounts on my report. Please remove the accounts from my report they heard my ability obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided the credit reporting agencies XXXX and Experian that the account XXXX XXXX : # XXXX is inaccurately reporting on my credit report. I even provided the documents which they state they are able to see. Per my original contract ( which was provided to the credit agencies, and collection agencies ) with XXXX XXXX XXXX 's original documents the date that the account was open and the amount are incorrectly reporting on my credit. It is against Federal Law to fraudulently report information that is knowingly inaccurate on a person 's credit report. 
I was told that the collection agencies do not have to provide proof that the accounts that they are reporting is correct. Even after I provided my original documents to the credit reporting agencies they refused to delete the inaccurate account from my credit report. I asked why this was and was told that they are taking the collection agencies word over my provided fact checking documents, and that the only thing they could do was file another dispute. I have filed several disputes and nothing is being done to remove this fraudulent account from my credit report. 

The original contract I had with XXXX XXXX was voided because they never pulled money from my bank account, per the contract the money was to be directly paid each month. When I tried to contact them on numerous occasions about the account number that the employee wrote down, to inform them that it was not my account number and the money was never being pulled they would not update the information. XXXX XXXX kept giving me the run around and no one was willing to update my account with my account number. I never received the services because they never pulled the money from my account to pay for the services.
Product: Payday loan, title loan, or personal loan

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Volkswagen Group of America , Inc d/b/a/ Audi XXXX. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act and 15 U.S.C.1691 - Equal Credit Opportunity Act by Volkswagen Group of America , Inc d/b/a Audi XXXX on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Volkswagen Group of America , Inc d/b/a Audi XXXX with the adverse action taken against me denying me my rights, in addition according to 15 U.S.C. 1691a as an applicant i applied to the original creditor indirectly by use of my already existing open end credit plan in which i had adverse action taken against me for the use there of, denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) and 15 U.S.C. 1691e ( b ) are up to { {$15000.00} }. Volkswagen Group of America , Inc d/b/a Audi XXXX is now civilly liable to pay me for the damages.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX  are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I went to   XXXX   XXXX   XXXX   in  XXXX , on  XX/XX/XXXX , 2017. I was told that my procedure would cost {$4000.00}. I agreed and was told to open a care credit card. My limit was for   XXXX  . I was called on the phone by care credit stating that I had purchased a total of {$7500.00}, when I told them that I did not authorized that amount which was over my credit limit, they said that they will investigate. I went to the  XXXX  office and the receptionist said it was a lack of communication and that they will refund me that money. I got a letter from care credit 's saying that their investigation found that I still owe {$7500.00} and when I said how can you charge me over my credit with out my consent, they said your credit is {$8500.00}. I feel that they increased the amount to save their selves. I only have had   XXXX   XXXX   removed, I do n't want to go to that   XXXX   again and I will only pay for the work that was done.
Product: Credit reporting or other personal consumer reports

Un-Authorized Inquiries 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