23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Vehicle loan or lease

Please reference XXXX. NMAC 's responses were very colorful and generally accepted. However, their answer to the title release is erroneous. 
From : XXXX XXXX XXXX I found their answer to be incorrect. 
" The Electronic Lien and Title Program ( ELT ) is a paperless method that allows TxDMV and a financial institution or lienholder to exchange vehicle title information electronically. The title record is sent electronically and the lienholder stores the electronic record instead of a paper certificate of title. The electronic title is created and held by TxDMV in the state motor vehicle database.

Title applications are submitted and processed through the local county tax office. Under ELT, when a lien has been satisfied, the lender must submit an electronic release of lien. The lienholder is then removed from the record, receives an electronic notification and a paper title is sent to the owner. '' I am suspect that the lien was released. I would like a Lien Release Letter, on NMAC Letterhead, duly notarized so I can go get a " Certified Copy '' of the title. There is an expense of time and money to accomplish this. Perhaps NMAC would like to do this?
Product: Mortgage

THE LAST 5 MONTHS HAVE BEEN A NIGHTMARE. MY LOAN HAS BEEN TRANSFERRED SERVICING IN THE MIDDLE OF MY LOAN BEING REVIEWED AS TO WHY I AM BEING FORECLOSED ON. I HAVE NO IDEA AS TO WHY I AM BEING FORECLOSED ON. I HAVE ASKED FOR A PAYOFF DEMAND SO I MAY SEE WHAT IS IT THAT I SUPPOSEDLY OWE AND AM YET TO RECEIVE ONE. I WAS JUST INFORMED MY LOAN WENT PHH REVERSE MORTGAGE TO XXXX AND NOW XXXX  TELLS ME THE LOAN WAS TRANSFERRED TO PHH REVERSE MORTGAGE. I HAVE BEEN TRYING TO SETTLE THIS MATTER BUT BECAUSE I AM ELDERLY THESE PEOPLE ARE TAKING ADVANTAGE OF ME AND TRANSFERRING MY LOAN FROM ONE PERSON TO THE NEXT WITHOUT RESOLVING MY MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  , IA  XXXX  RE : Complaint Against   XXXX   XXXX   To Whom It  May  Concern : I have requested from the creditor   XXXX   XXXX    and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman  from  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead of 90. I also have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my  XXXX  credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the  XXXX   XXXX  due date then the remaining balance of a little more than {$400.00} on  XXXX   XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XXXX   XXXX .     I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and credit score when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had XXXX account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
Product: Student loan

On XXXX XXXX, 2023 I received an email from NelNet that my student loans were being transferred from Great Lakes to the new platform. This presented 2 immediate problems that seem to be unfair or shady business practices at minimum and with further information are clearly designed so NelNet can rake in the maximum amount of interest/income as possible. 

- I was unable to access my Great Lakes account in any meaningful way. The payment history was unavailable, and I could make no further payments towards my account. 

- No new account with NelNet was set up; further exacerbating problem 1. 

I received another email on XXXX XXXX saying I could sign up with NelNet to access my information, but today ( XXXX XXXX ) was the first day I tried logging in. I was successful in verifying myself and getting access to my new account, but there were again problems. 

- All payment history from Great Lakes was not transferred and is unavailable. 

- There is no way to contact them except during regular business hours via phone - their email portal is 'unavailable '. 

- The one thing NelNet WAS able to transfer ( besides my balances ) was my auto-pay and banking information. There was already a payment scheduled for XXXX for a minimum payment, despite the fact all Student Loans are in COVID Forbearance. Given I had turned off auto-pay with Great Lakes, this was extremely concerning to me. 

So my formal complaint is about 4 things - 1 ) NelNet didn't pull any payment history from the previous borrower and there is no way to access it online. 

2 ) There is no mechanism to contact NelNet except for on the phone, which I havent tried but I am sure that is not going to be easy nor time efficient. 

3 ) NelNet automatically signed me up for an auto-pay without any formal notification, email, or call. The fact they can pull my bank information but not my payment history is extremely suspect to me and shows me they intend to start collecting people 's minimum payments without their knowledge/consent. I purposefully have not been paying any minimum payments since COVID Forbearance started and will only pay my loans in chunks when I have a financial windfall. Given the Federal decisions on that until it expires, as a consumer thats my choice, not the loan owner. 

4 ) My credit score was affected by decisions that I as the consumer had no power or consent in making. I understand that when loans transfer that credit lines will be affected ; but there needs to be a federal rule that prevents this from affecting consumers actual scores ; mine dropped primarily due to the age of my accounts dropping ; the new account hasn't even shown up on my credit report so I am sure it will dip again when that debt is re-added as a new entry. I know this a mostly moot point since it's only a few points, but I am currently house-shopping so this could have caused a bigger issue if it had dropped me from 'Excellent ' to 'Good ' standing with lendors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my current mortgage is showing as an installment loan on my credit report. After speaking with XXXX XXXX and my lender, they informed me this should be showing as a real estate loan. I originally took my mortgage out with XXXX XXXX XXXX in XXXX of XXXX and they sold it to Lakeview Loan Servicing a month later in XXXX of XXXX. On my XXXX credit report, it shows that XXXX reported it as a real estate loan, but once Lakeview took over, they reported it as an installment loan. An installment loan is a personal loan or a credit card. My mortgage is NOT an installment loan. This is hurting my credit and I need this fixed immediately. The co-mortgager, XXXX XXXX, is also having this same problem. Both of our credit reports show : Real Estate Loans- {$0.00} / Installment Loans - ~ {$430000.00}. To the credit bureaus, this looks like I just took a personal loan or have a credit card for this amount. I really need this fixed so my mortgage starts helping my credit instead of hurting it. If you need any additional information, please call me or email me. I can provide screen shots of my credit report showing this is being reported incorrectly. I did submit a claim through Lakeview Loan Servicing 's portal 2 weeks ago, and never received a call or email back. Thank you for your time.
Product: Credit card

XX/XX/2023 I received an alert that a new credit line had been started in my name, I also received a letter from JP Morgan Chase that I had been denied a new line of credit. I had not initiated any new credit or applied for a new credit card. I made calls to XXXX XXXX Chase & put freezes on all XXXX  of my credit reports as well as fraud alerts. We recently moved & I believe someone at the apartment complex we were at previously used my information to try to get a credit card in my name, as they would have had access to my information & the mailboxes to be able to receive a card had Chase provided a new line of credit.
Product: Vehicle loan or lease

The year XXXX was a rough year for me. My father passed and he was the glue to the family. Most of our family members have not been found since his passing. However, after him passing I had some hardship and was struggling to even feed my family along with a host of other things. My car loan with Wells Fargo defaulted and the car was repossessed. All my car loans have been through Wells Fargo so this is my seventh or eight car where I have utilized Wells Fargo services. I asked them could they reconsider how they are reporting my loan for the year of XXXX and was denied. I have been a customer with them since the mid XXXX 's and had planned on continuing to utilize their company but would be forced to stop after this loan is paid if they don't see me as a valuable customer. Also last year when the pandemic hit they had a program where they could help you defer your loan for up to 3 months. I took advantage of that program and spoke with a representative there that told me my payments had resumed back in XX/XX/XXXX. Wells Fargo is not reporting my payments correctly. They are just now reporting a payment made in XX/XX/XXXX and I've started paying back on the loan close to a year ago now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockInc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Due to failure to positively verify this account has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, the agency must remove the account. The vehicle was returned within XXXX days of purchase no repossession was necessary. Communication was given to property to fix vehicle several times with promises in return that was not fulfilled. After agreeing to return the vehicle the company failed to reach out to XXXX XXXX and allowing the bank to continue reporting when the vehicle was no longer in my possession due to an agreement to return vehicle and taken as a loss with no refund in return.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Pl, XXXX, CA, XXXX, XXXX XXXX XXXX Pl, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Debt collection

I did not have any service on XX/XX/2016. My XXXX XXXX chart shows the date for XXXX XXXX XXXX as XX/XX/16. The itemized statement for XX/XX/16 shows as {$0.00} due.
Product: Checking or savings account

On XX/XX/2023. I recieved {$2000.00} transfer that my bank deposited as {$1900.00}. The next day CitiBank charged my account additional {$15.00}. 
On XXXX XXXX, 2023. I received {$2700.00} transfer that my bank deposited as {$2600.00}, the next day it charged me additional {$15.00} for the same transfer. 
On XX/XX/2023 I received {$4000.00} transfer that my bank deposited as {$3900.00}, the next day citiBank charges my account additional {$15.00} for the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

XXXX, equifax and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to XXXX, equifax and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, equifax and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that XXXX, equifax and XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are 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. XXXX. XXXX ) I have not initiated any transaction with { XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 of XXXX / XXXX XXXX XXXX XXXX : {$76000.00} The balance reported is inconsistent with the repayment history and conflicts with other reports. This is a violation of both FCRA 1681e and FCRA 1681i. Under 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 1681i mandates that agencies investigate and correct or delete inaccurate information within 30 days when consumers dispute the accuracy. Inaccurate loan balances or repayment statuses can have significant negative effects on consumers financial opportunities. 

XXXX. Payment History My payment history should reflect 100 % on-time payments for all accounts, particularly my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any deviations from this record are inaccurate and violate FCRA 1681e, which requires that all reported information be accurate. Additionally, under 15 U.S.C. 1666b, creditors are not allowed to report late payments unless they are at least 30 days past due. Please update the payment history to reflect 100 % on-time payments, as I have never missed any payments on this account. 

Furthermore, the debt has been forgiven due to my school being listed as fraudulent and closed down. I am attaching a letter, stating the debt was forgiven.
Product: Debt collection

Im an XXXX XXXX XXXX and while on XXXXXXXX San Diego County Credit Union put in a collections for my auto loan even though I had the amount and the money to pay. Due to an error on their end they tried to repo my car I paid my loan up to current but they still arent trying to fix my credit error please help its destroying my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021