23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
Product: Mortgage

I spoke with PNC Bank today, XXXX XXXX. My problem is with the escrow account. I am exempt from property tax for XXXX and XXXX. My current escrow balance is {$1500.00} and I have been paying an escrow shortage of {$11.00} since XX/XX/XXXX. They have escrowed money to pay a tax bill that I don't owe, and yet they will not refund me the unused portion. Also my next payment due XXXX first still shows a full amount for property tax and the {$11.00} escrow shortage. I don't think it's fair to keep my money and not send me a refund, and I don't want to keep paying for an escrow shortage that does not exist.
Product: Vehicle loan or lease

I have had so many problems with this institution ( PenFed ) that could have chosen all the options. I purchase a used vehicle that cost me $ XXXX and I decided to finance with PenFed because it had the lowest rate. The first problem I encountered with them was to setup a online account in order to setup a direct debit payment. I was not able to do it because they needed to authenticate me. Really? They approve me a loan but needed to authenticate me to setup an online account to be able to pay my loan. I had to send them copy of a utility bill, copy of my drivers license and social security card. Finally, after multiples back and forth they gave me access and I was able to setup the account. Later they threaten me to increase the loan rate if I did not send them the car title. I never had to take care that process when I bought other cars. They expected me to arrange with the dealer to receive the car title and then send it to them. This is something that the dealer did directly with the bank institution. They never told me I had to this process myself. I am a XXXX XXXX XXXX woman and they made me go to the dealer to ask for the title. They said that since the pandemic the government agency is slowly processing the titles but PenFed was supposed to give me 60 days. I when back to PenFed after making a long line and told them. They gave me until this month of XX/XX/XXXX and recently had to ask them for an extension who they surprisingly extended until XX/XX/XXXX. Lastly, they send me a letter to inform me that they had to purchase a auto collateral insurance since I failed to send them the insurance coverage on the car. They NEVER told me that they were missing this information. This is something that the insurance company sends directly to them but if for any reason they don't receive it the bank ALWAYS let the customer know with ahead of time. They just sent me a letter tell me that they did not received it and purchase the insurance. I called my insurance company and had them resend the documents again. I also send them what I had via email and thru their webpage. Today I received my bank statement and I almost fainted. The loan balance increased almost $ XXXX and I have no idea why because the statement has no details. This whole situation has me very frustrated and my daughter had to measure by blood pressure because I had a sharp pain in my chest due to all this threats and hard times. I feel they want to increase my loan amount no matter what but that is not the only thing. They also purchased an insurance on my car and charging me for it. They taking advantage of me because they see I am a senior person and they believe I am going to give up. I can't imagine to how many senior customers they are doing this. I saw many seniors in the line the many times I had to go their office. Please help me resolve this situations ones and for all. All I want is to pay my loan in peace and I want them to be fair with me. This should not be so complicated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Capitol One has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions. 
15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to XXXX, Transunion, and XXXX. Here is my tracking XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSC XXXX Dear Credit Buerau there is information on my consumer report that is result of identity theft. i did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transaction. the identified transaction are not information related to any transaction by me as the consumer. 



Capital one auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your are required to do what i am asking and block these transaction from being reported to my consumer reported within 15 days from the date of the receipt of this notice. i look forward to your response. 

thank you, XXXX XXXX
Product: Vehicle loan or lease

My wife and I leased a vehicle from XXXX XXXX XXXX. We made every payment on time and purchased the vehicle prior to the lease expiring ( XX/XX/2108 ). My Credit Union ( CU ) sent Hyundai the funds and the title was transferred. Hyundai was slow to issue a check to the County Clerk for the taxes. My CU had to redo my loan papers to account for and to pay the taxes that were necessary to transfer the vehicle. My wife and I received a check from Hyundai made to the XXXX County Clerk. I voided the Hyundai check and asked that it be re-issued to my wife and I. After several weeks went by I called Hyundai in XX/XX/2018 to ask when we would receive the check. I was told that they would send a check in 3 to 4 weeks with no request for additional information. After receiving nothing in the mail I followed up with a call on XX/XX/2018. I was told that a check was not sent and that I needed to provide Hyundai with proof that the taxes were paid and then it would be another 3 to 4 weeks prior to us receiving a check. I explained that we are now paying interest on the tax money with my CU loan and that Hyundai is receiving the benefit of holding my money for months in the interim. The onus should not be on us to take time from work to prove to them that the vehicle is transferred and that the taxes are paid. Hyundai is already paid in full. Hyundai also refused to check to see if they were still listed with the BMV as owners or to confirm with my CU if a transfer took place. Hyundai could easily have checked my state 's website or checked Hyundai 's own licensing or tax department to verify the transfer. When I asked Hyundai what would happen if I would not have submitted my payments on time for their vehicle they stated they would have taken it or filed suit against me to recoup the funds. When I asked why it was ok for them to hold our money after we fulfilled all of our obligations for the transaction without any repercussions to them, Hyundai stated " that's the way it is ''. I asked Hyundai to specifically tell me what proof they wanted me to send and they could not tell me exactly what it was they wanted. They simply said that they just needed proof. The burden is now on me to provide some " proof '' and submit it in the hopes that it is acceptable. If so, in another 3 to 4 weeks we may get our money returned. Meanwhile, we had to pay licensing and insurance for our lease buyout vehicle but can not get our own money back to offset our expenses. This is nothing more than a giant company bullying and taking advantage of a small consumer while not caring about the impact to the individuals.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for your letter dated XX/XX/XXXX, regarding my concerns about the XXXX XXXX  account ending in XXXX. While I acknowledge your prior response, I must reiterate and clarify my position. 

I have never alleged that this matter involves fraud. My dispute pertains solely to the unauthorized inquiry appearing on my credit report from XXXX XXXX XXXX, dated XX/XX/XXXX. Since I did not initiate this transaction, authorize the inquiry, or gain any benefit from it, the inquiry was made without a permissible purpose, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I request that you refrain from placing any fraud alert or related annotations on my credit report as this would mischaracterize my dispute and create unnecessary complications.

Under 15 U.S.C. 1681b, access to a consumers credit report is lawful only if : The consumer initiated a transaction. 
The consumer provided written authorization. 
There is a legitimate business need related to an existing account or transaction. 
Since none of these apply to me, the inquiry constitutes a direct violation of the FCRA. 

To resolve this matter, I request that XXXX XXXX XXXX : Remove the unauthorized inquiry from my credit report immediately. 
Provide written evidence of a permissible purpose or authorization if you believe the inquiry was justified. 
Compensate me {$1000.00} for violating my consumer rights under 15 U.S.C. 1681n, which provides for statutory damages for willful noncompliance.

If this matter is not resolved promptly, I will file a complaint in federal court for your violation of my consumer rights. Be advised that I will not settle to allow XXXX XXXX XXXX to keep this case private. This matter will become public, and everyone will have the opportunity to see how your company routinely violates consumer rights. 

Court proceedings will cost your company far more than the {$1000.00} I am requesting in compensation. I am giving you the opportunity to make this right amicably by addressing this issue without delay. 

Thank you for your time and attention to this matter.
Product: Debt collection

Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Equifax asking them to verify their method how the account from XXXX was verified, I would like you to Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?
Product: Debt collection

Hello and been trying to get a loan from my bank to get a new car but they told me that I have some inquiries on my credit that I have no clue about. it says I got hard inquiries I dont know how I owe I pay all my bills on time so I feel as though someone must of used my information to apply for something I supposedly owe {$1600.00} for something I dont even know about. I just want it off of my records please so i can get a new home for my daughter and myself a new truck but according to my bank records they told me thats why I didnt get approved.
Product: Credit reporting or other personal consumer reports

I, the consumer, never gave Experian written permission or consent to furnish my information or obtain my information. I've sent multiple opt out notices that Experian has ignored. Please see the attached documents.
Product: Debt collection

1. I never received a notice from the creditor about the debt.

2. Received a notice from the debt collector First Credit Services , Inc. 

3. I disputed the debt and sent it to First Credit Services , Inc. dated XX/XX/XXXX regarding the inaccuracies of amount owed. 

4. I never heard back from First Credit Services , Inc. for the past 4 months. 

5. I received an alert notification on XX/XX/XXXX from the credit monitoring service indicating that First Credit Services , Inc placed negative derogatory information on my credit reports and entered it as a medical bill. 

6. I contacted First Credit Services, Inc on XX/XX/XXXX and I spoke with the manager XXXX XXXX who said that he would take care of the matter and remove from my report. He said he would call me back once he researched my file because First Credit Services , Inc never validated the debt and that the creditor XXXX XXXX XXXX never responded to the investigation. 

7. I called the manager XXXX XXXX of First Credit Services , Inc for the past week and no response, his voice mail is full and no at First Credit Services , Inc can resolve, they keep referring me to the manager XXXX XXXX, but he can not be reached. I keeping leaving my number, but he doesn't call me back. 

8. This is damaging my credit, I can not get a loan and I am preparing to purchase a home. I need this resolved immediately. I need the negative derogatory information removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this debt to TransUnion that this was business debt that doesnt belong to me personally and that this in ligation. I disputed this to TransUnion on or around XX/XX/XXXX. A business debt that when I work for this company in XXXX. I was a XXXX  of the company not the owner. I noticed it was put on my personal credit report and not their business credit report which should not aloud to be added to mine personally credit report. TransUnion claim that it will stay on my personal credit after they did their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022 and her is my tracking number XXXX through USPS and was delivered on XX/XX/2022 at XXXX. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not to supposed to share my information to third party people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX {$150.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT COMENITYBANK/ XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX  {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

Fraudulent/unauthorized charges. Dates from XX/XX/XXXX through XX/XX/XXXX. Multiple fraud charges throughout time frame mentioned above. Bank denied Fraudulent charges stating I authorized them.I called them back letting them know I did not authorize these charges. They said they would have the executive office look into these Fraudulent charges. They responded by email on XX/XX/XXXX. So far no response. Case # XXXX. Also referred on letter correspondence as claim # XXXX. Wellsfargo Bank is where my account is.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX BUSINESS DAYS after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Student loan

On XX/XX/23, Nelnet switch over only one of my federal student loans to REPAYE/SAVE and left all the others in standard repayment. They would not answer any questions as to why this was the case. I have since submitted another application ( received XX/XX/23 ) to switch all loans to SAVE and they have yet to make any changes to my account. This is causing unnecessary interest accrual and I will have an unaffordable payment when they become due for payment later this year.
Product: Credit reporting or other personal consumer reports

I have asked that this information be verified and they have refused to verify the information. The court has also personally sent me a letter stating that they have not disclosed my information to the reporting agency.