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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Tesla Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The only banks I bank with are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
Product: Consumer Loan

My vehicle, originally financed with Capital One Auto was traded to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I contacted capital one to advise of this. My concern was that a payment was due on the XXXX ... .the rep advised me that she would note the account accordingly that the payoff would be received. There were problems with paperwork, dealer placed incorrect vin on contract so I had to resign. I contacted capital one to advise and express my concern with over XXXX and to advise of the reason for the delay. The rep advised me that if the payoff was n't received by the XXXX, they would correct the account once the payoff was received. I continued to check daily and there was an overage that was due to me as well. After the payoff posted on XXXX XXXX ... I contacted Capital one again. They submitted the dispute on my behalf and it was denied. I asked why and explained what I was previously advised when contacted. There was no concern. My account was never paid late during the two years I had the loan and I would like for the XXXX to be removed from my credit report. If that was n't the case, capital one should advise their agents to provide correct information to their customers.
Product: Mortgage

In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.
Product: Student loan

This new complaint should be tied to current complaints in the process. 

XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX servicer XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal student loan servicer during this period was Nelnet. Nelnet was very prompt in providing notifications and details regarding loan increases to my consolidation student loans along the period when the repayments would start. However, Nelnet was not quick about relaying information on extending the Covid relief program, which suspended all federal student loans and accrued interest. They did not correctly provide details on how these temporary programs impacted my account and obligation. 

Nelnet 's lack of notification put me in a very pressured situation to find a new lender which could offer better interest rates to reduce payments I would be expected to pay with the increased amount of XXXX XXXX XXXX loans added to my consolidation amount. I selected XXXX in XX/XX/XXXX as a private lender to aid in consolidating my loans at a lower rate. Unfortunately, I got the payoff from Nelnet, who never acknowledged or notified me that the Covid Relief program was extended. I did not receive a notification until XXXX XXXX XXXX well after I had completed the consolidation with XXXX ; in fact, XXXX provided a payoff amount well over the amount necessary to pay off the loan consolidation for my Federal Loans. Instead of notifying them of the overpayment. Nelnet proceeded to pay my federal loans off and wire the amount that was over the payoff amount back to XXXX without any communication with me or request to update the payoff amount. 

XXXX took the funds returned from Nelnet and applied this amount to the principal balance of the new private loan consolidation. When I asked XXXX the reason for the additional funds added to the payoff amount, I was told that it ensured there were not any other amounts due to accrued interest or missed payments. Nelnet should have not only contacted me but also notified XXXX XXXX XXXX  of this situation in which a loan service should be aware and have proper knowledge of the terms of the XXXX XXXX Covid relief program. This situation will affect my credit and the opportunity to take advantage of new relief programs with the Federal Government to reduce federal student loan balances.
Product: Mortgage

I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank account # XXXX, XXXX Bank account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 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: Credit card

On XX/XX/year>, My credit card was cut off and unusable for any purchases. I called into Ally financial to discuss some charges on my credit card, and the employee asked if I wanted to cancel the card and I specifically requested to not cancel the credit card at that time. Later, I called into Ally financial to speak with someone regarding the charges on my credit card to discuss further, when I was advised that the credit card was closed off. The credit card was closed off without my authorization. It has been several weeks since this period of time and I have yet to hear any further information on the credit card issues and or any resolutions. Lastly, I continue to be without a credit card and I have not received any communication from Ally Financial regarding the credit card, or the situation pertaining to with my card being cancelled.

This issue is a clear form of XXXX, this is negligent professional activity.
Product: Debt collection

The Debt was " charged off '' and a year later the account was reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several Hard Inquiries that I don't recognize, they are fraudulent, without my permission. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX P XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX I checked my credit report and noticed an account that has been tampered with and reaged by equifax resulting in me receiving recent late payments on an account that was paid in full and closed since XX/XX/XXXX. This has now heavily impacted my credit score and led to me being denied credit. I have attached and highlighted my reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing the discrepancy in reporting. I have also attached payment receipt and my Fico report showing the recent reported late payment. Paid in full and closed accounts should NOT be reporting any late payments after account has been closed. I have copies of everything and will be sending them attached to this complaint as i have disputed this multiple times and nothing was done about it. 

Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have disputed this account with no validation being received. Please help as this is unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

At the end of XXXX there were fraudulent charges on my Bank of America EDD credit/debit card. I was never notified that my card was frozen or that these charges even occurred, I found out on my own when my card was declined while trying to make a purchase. I called Bank of America to open a fraud claim for these charges. There were 15 charges of {$65.00} made at a XXXX  in XXXX XXXX, that I had never been to and is two hours away from where I live, work, shop, ect, and all of these transactions were made within a matter of minutes and were all one right after the other. The total amount taken from my account before my card was frozen was {$970.00}. The first person I talked to about this claim agreed with me that these charges were irregular and looked like fraud. The claims department was closed when I initially called, so my card was shut down and I was sent a new one and I had to call the claims department the following day. I did call the claims department and they opened my claim case. After that, the only communication I received from Bank of America was a letter stating that my claim was open and what my claim number was. Within two weeks my money was put back in my account, so I figured that the investigation came to the conclusion that it was fraud. Again, there was no communication from Bank of America, the money was just back in my account. I thought the issue of my fraud claim was taken care of. Then on the XXXX of XXXX the money was taken back out of my account by Bank of America and it overdrew my account by {$10.00}. I was never sent an alert or notification about the money being taken out or that my account was overdrawn, so again, there was no communication from Bank of America. I, once again, found out when my card was declined when trying to make a purchase. I immediately called Bank of America where the person I talked to was unhelpful, quick to dismiss me, and tried to transfer me to the claims department which they already knew was closed. So, the next morning I tried to go into my local Bank of America branch to sort out what was going on with my account and why my fraud claim was apparently denied ( I was never specifically told that this is what happened ) when it seemed like an obvious open and shut case. I was told that the only way to find out was to call the claims department, which meant I was unable to deal with this issue face to face and was forced to do it over the phone. That same day I did call the claims department with plenty of time before they closed for the day, but they left me on hold for almost two hours ( one hour and forty minutes ) which put me on hold past the time they technically closed. I still have no resolution to this issue and I still have not been notified of Bank of America 's reasoning or documentation as to why they would have denied my fraud claim. To others, {$970.00} may not seem like a lot of money, but for me it's the difference between whether or not I can pay my bills.
Product: Credit card

I earned reward points on my XXXX XXXX XXXX Card. Those points became available on my account on XXXX XXXX. I applied for an XXXX XXXX XXXX card in XX/XX/XXXX. Because of Platinum card signup fraud, UNRELATED TO MY ACCOUNT, XXXX XXXX froze all of my reward points including those I had earned on my Gold card. I was not informed of this freeze. I did not receive any communication about it whatsoever -- no phone, emails or texts. I called XX/XX/XXXX to resolve this issue. The customer representative had told me that my points were frozen as of XXXX XXXX and my account was under review for 6-8 weeks beginning XXXX XXXX. I called again on XXXX XXXX to get a status check on the account review. This time the representative told me it is under review 6-8 weeks from XXXX XXXX, when I had called in. I called in again today, XXXX XXXX, and was told that I reached my spend threshold on XXXX XXXX and that my account would be under review for 6-8 weeks from XXXX XXXX. Every time I call in, they push my review out further and further. I am frustrated that 1. I was not informed that my points were frozen, 2. I can not get a straight answer of why my account is frozen and when to expect a resolution. 3. no where in my cardmember agreement does it say they can freeze points on an account unrelated to the one they are investigating and 4. the flight I needed to book with these points is no longer available. This is costly to me because I will have to book the ticket with cash ( which costs more ) and the seats are no long available so I will have to take an additional day off of work to travel.
Product: Vehicle loan or lease

Attention : Please include this along with complaint ( XXXX XXXX Ford Motor Company.

On my last attempt to resolve this ( please provide me with the audio recording ) I contacted Ford Motor Credit on approximately XXXX. 

Ford Credit repeatedly criticized me for utilizing Ford Roadside ans continued to blame me stating : " why didn't you call your insurance to tow? We don't do that type of towing so Ford is not liable. Next time call your insurance. '' This is a true testament as to how Ford Motor Credit abuses its customer 's. Because I am XXXX they bleieve its easier to just conduct themselves unprofessionally, unethically, and down right illegal. I am sure there are law in place protecting special populations such as those with XXXX like myself.
Product: Mortgage

I have filed a complaint in regards Nationwide Advantage Mortgage reporting me to credit bureaus affecting my credit file and creating a big financial burden on my business ability to get bonded and obtaining credit as well they had said yhey were going to remove the late payment they said I was late on in which I made the payment on XX/XX/XXXX and they proceeded it XX/XX/XXXX my credit score has drastically dropped Nationwide is preventing me and my family hardship not allowing us to refinance our mortgage due to reporting us to the credit bureaus they even stated for me just to quick claim the home to them me and my wife have been paying The mortgage 9 years this is how Nationwide repays it customers they said the would inform credit bureaus to remove the late payment pass 30 days and they have n't I disputed my late payment with transfusion and they said that Nationwide said it was accurate they lied to me and CFPB in not fulfilling their part. Loan # XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. 
On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. 
I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? 

Thank you so much!
Product: Student loan

The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.
Product: Checking or savings account

US Bank attempted to charge a card linked to a checking account. When the amount wouldnt go through due to no funds in the account, US Bank overdrafted the account and then closed it. They then sent a letter on the XXXX, that I finally received on the XXXX, that they were closing the account and may report this to a credit agency in order to collect the requested funds. The overdrafted amount is around {$100.00} and after fees, they are requesting {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Portfolio Recovery Associated purchased an old debt of mine from XXXX. I hired XXXX XXXX XXXX to help me settle this account and a another in XXXX. 

In XXXX of XXXX, on my behalf, XXXX XXXX XXXX negotiated a " Pay to Delete '' settlement offer with Portfolio Recovery in the amount of {$6700.00}. Through XXXX XXXX XXXX, I began making on-time payments as per the agreement and completed the settlement, without ever missing a payment. 

Once the account was settled, Portfolio Recovery refused to list it as " settled '' to the credit bureaus, as a result, my credit score has fallen almost 80 points in less than a month. 

I have a copy of the settlement letter and also a copy of the payments made to them and they still dispute the account!