23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX L - account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Product: Mortgage

I received a response to previous complaints from XXXX XXXX of Bank of America. 
As I recounted the 15 months of back and forth paperwork only to deny a loan modification at the first step, she listened and appeared to agree that this was not right and she understood my frustration. 

Unfortunately, XXXX 's only solution is to refer me back to the same lower chain of command who requested the same useless documentation, some of which was not required during the first 15 months. 

I still have not received compensation for Bank of America 's failure to properly handle a loan modification in a timely manner, and thus, cost me thousands of dollars in increased loan payments. I tried to get an Email for XXXX to send additional documentation and evidence from my mortgage company to justify a hardship, but was unsuccessful in achieving this. 

Further, I received a phone message from XXXX XXXX on XXXX XXXX, a message that stated she was " required '' to call me. 

Below is bullets from previous complaints which sums up how I 've been treated by this bank. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process.
Product: Debt collection

I have reached out to the complex that placed this collection on my consumer report and I have yet to hear back from them. Attempts were made via email, phone calls and certified mail over the las year and a half. I do not owe this debt, in fact this company owes money to me. I have also filed a complaint through CFPB and they were unable to reach the original creditor either. 

The collection company that is attempting to collect on this debt is not licensed in Florida or listed on XXXX website as even having a license to operate at all. 

I have tried to work with them on properly verifying the debt, but they claim it is mine, although I have supporting documentation that shows that I do not owe them. They are not verifying this debt properly and have continued to violate my consumer rights and damage my credit for almost 2 years now.
Product: Mortgage

Wells Fargo offer me refinance loan and after 5 months of back and forth documentation along with more than XXXX documents submitted they rejected our loan. I turned down other banks relying on them and their best rate. I had my interest lacked and a closing date. They decided to turn us down because of gaps in our income and a change in our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax auto finance has attached a remark to my credit report in regards to be being impacted by COVID 19, in which I was not impacted by COVID 19. I, in no way shape or form, requested anything regarding COVID 19. I did not find this out until I was attempting to refinance my car through my bank.
Product: Credit reporting or other personal consumer reports

The school removed the loan from my account and sent the funds back to department of Education two weeks ago. I do not have a loan because I paid school out of pocket and conferred XXXX XXXX on XX/XX/2023. I do not have a school loan. 

Direct unsubsidized loan XXXX XXXX XXXX XXXXXXXX XXXX ), Principle amount {$20000.00} Loan servicer : NelNet Account number XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached a letter to let you know more in detail about what they are reporting in my credit report. The items listed in the attached are all unauthorized inquiries. I never had any transactions with the following inquiries attached and all of them are not verified. Please block/delete the following unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

why do they no report paid on time but if you miss  one  they report quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the repossession, the creditor still has to follow a set of guidelines for the rest of the process. 

If the consumer left personal items inside of the vehicle, the creditor should give them notice of where the vehicle is and how they can reclaim these items. A creditor is not allowed to sell an individuals personal goods but they are allowed to keep or sell any enhancements that are made to a vehicle, such as an installed stereo system. 

The creditor can either choose to keep the vehicle as full payment of the consumers balance or they can choose to sell it. In the case that the creditor chooses to keep the vehicle, the consumer can demand that a sale occurs instead. At least 10 days before the date of the sale, the creditor has to provide the consumer with a notice that includes information on the time and place of the sale, as well as the unpaid balance on their loan plus any interest or reasonable fees collected by the creditor. If the consumer is able to pay off this full amount at any time before the sale occurs, they will be able to redeem their vehicle. After paying the debt, they will also no longer be in default and they will be able to return to having the rights of the original loan agreement that they had pre-default. 

The sale of the vehicle has to be carried out in a commercially reasonable way. The selling price of the vehicle should be comparable to that of its average market value and if it is not, the creditor could be held liable for unlawful conduct. After the vehicle has been sold, the creditor should send the consumer a letter that tells them the amount that the vehicle sold for, how the proceeds were applied to their balance and any amount of remaining debt that the consumer may still owe. If the money collected from the sale is greater than the amount of their balance, the creditor has to return the excess amount of funds to the consumer. If the sale was not enough to cover the total debt, the consumer could be held liable for paying the remaining amount, also known as the deficiency balance. However, in Florida, if the outstanding balance at the time of the default was less than {$2000.00}, the creditor can not ask the consumer to pay the deficiency.
Product: Debt collection

I am lodging a formal complaint against nationwide recovery this debt collector has violated the fdcpa/fcra. This debt collector is reporting a {$240.00} medical debt that isnt mine. 
on my credit reports I never recieved a dunning notice in the mail which gives me 30 days to dispute. This account just came on my reports out of nowhere. I have lived at the same home for years. Not 1 letter or call from them. I am requesting nationwide to delete this account from my credit reports immediately. XXXX, and attorney general complaints will be filed next if account isnt deleted. Thanks for your time!
Product: Vehicle loan or lease

This is an accounting error on BMW 's end. They are reporting me late in XX/XX/2020 because they messed up. I called them and they even confirmed it was an error on their end. I am very upset about this.
Product: Credit reporting

i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit
Product: Debt collection

Agency contacted me to get a hold of my sister. Phone # they called from was XXXX, or AFNI. My voicemail clearly states my name and not my sister 's name. Regardless, the agency left me a voicemail stating they were looking for my sister and then proceeded to say " This is a call from a Debt Collector ''. I have read and studied the FDCPA and I am pretty sure this is a violation of the Act. They have her phone #, which is in service. Her mailing address and all identifying info is up-to-date. There would have been no reason to contact me, let alone, to state that they were collecting a debt. It serves no purpose. I will be contacting my attorney with regards to this matter. I have not deleted the voicemail. The company needs to be held responsible for the collector 's training and negligence. If they did this to my sister, then they are doing it to everyone else.
Product: Checking or savings account

Bank of America closed my personal checking account approx. XX/XX/2021 with no reason or explanation. They kept {$13000.00} dollars and have not returned it yet. I have called multiple times. Gone into the bank in person and have certified them letters, but they refuse to return my money.
Product: Checking or savings account

On XX/XX/2021, I XXXX  XXXX XXXX to discuss a billing error ( not a fraudulent charge ). I dialed the number on the website which unbeknownst to me was a spoofed XXXX site. 

After explaining my billing issue, I was told an old XXXX I had traded in was never wiped clean of my banking information. I was asked to download an app called XXXX so he could unlink the old phone. He had me make two transfers from my M & T banks XXXX service - one for {$1500.00}, the other for {$990.00}. 

When I asked how I would be refunded, I was told to go to a convenience store and purchase XXXX  gift cards so he could refund the money. I had no intention of purchasing them, but I wanted a witness to what was happening. Mr. XXXX XXXX, the manager of the XXXX XXXX in XXXX, NJ agreed to be a witness to this scam. 

I went immediately to my M & T branch in XXXX to report the fraudulent activity. Because I do not have a separate XXXX account, my only recourse was to file a dispute with the bank. 

My dispute and two appeals have all been denied because I was scammed, not frauded. I have received no written or email correspondence from M & T. I only know about the denials because the branch manager verbally informed me when I kept going to the branch to check the status of my claim.

I believe my rights under the recently published CFPB compliance aid that prevents banks from exploiting loopholes in Regulation E are being violated. In XXXX, the CFPB ruled that a consumer who is fraudulently induced into providing account information has not furnished an access device under Reg E.

I have supplied the two attached articles to the bank, and they are still denying my claim.
Product: Student loan

I am a co-signer on a private student loan for the XXXX XXXX XXXX of XXXX with Mohela, with a total amount of {$7800.00}. My sister has completed several co-signer release applications requesting to release me from the student loan, and despite meeting all the necessary requirements, the release has been denied each time. My sister has consistently made on-time payments for several years. 

We have requested more information on why the co-signer release continues to be denied, but Mohela has not provided any clarity. This situation has impacted my ability to apply for other loans, as it negatively affects my debt-to-income ratio. 

I am seeking a resolution to have the co-signer release processed or to receive a clear explanation as to why it has been denied.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, my credit score plummeted by XXXX points, but only with Transunion. I tried to get an answer as to why it plummeted when the only things that changed would have caused my score to go up, not down. They refused to tell me. They said they did not see anything different on my report, yet my score went down by XXXX points. In addition they have XXXX hard credit checks but I have no idea who submitted the checks. Transunion told me I would have to know the date and company who ran the checks in order to dispute them, but if I did not authorize the credit checks, how am I supposed to know that? I spent an hour and a half on the phone to basically be told they have no answer as to why my credit score dropped and I should look at my credit report. I spoke with XXXX who barely spoke XXXX AND he said he did not see any changes on my report for the month of XXXX but that Transunion does some secret magical calculation on reports so he would not be able to say why my score changed even though there were no changes just on time payments on my account. I also asked for them to remove a debt that is over 8 years old and was told they can not take that off my credit until the creditor closes the account. What good does that do? A creditor will leave an account as a collection forever if you let them. So they refused to take the hard credit checks off my credit and could not ( despite me asking them, demanding it of them ) tell me why Transunion decided to lower my credit score by XXXX points in a month that had no changes except for the better. Why are they allowed to mess with people 's lives just because they feel like it? This is ridiculous, and the fact that they can't tell me why is absurd!!!!!!!!!!!! Nothing was resolved, I am just getting a free credit report. They refused to look into the score drop any further. They talk to you like you are an idiot and just don't understand their " proprietary '' method of calculating a credit score. I am XXXX XXXX XXXX and they have been doing this my entire life - costing me time, MONEY, and aggravation. There methods of calculating a credit score should be transparent, not hidden from consumers who are affected by credit scores on a regular basis. Maybe a class-action lawsuit is in order with them. 

THIS COMPANY IS TRASH AND I THINK SOMETHING SHOULD BE DONE BY OUR GOVERNMENT. THINK OF HOW MUCH HEALTHIER THE ECONOMY WOULD BE IF PEOPLE HAD THE RIGHT CREDIT SCORE AND THE RIGHT AMOUNT OF FINANCING POWER. 

Transunion is a nightmare to my life. I hope you can help me this time. I need a clear answer as to what happened with my credit score. I know nothing changed to warrant a XXXX point drop in one month.
Product: Debt collection

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. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Vehicle loan or lease

I am contacting your establishment to report XXXX failure to honor the XXXX time waiver of a {$15.00} late fee. I have called into CarMax multiple times and received multiple emails stating that the request to waive the fee request was denied with no explanation. At my initial request and all following waiver requests ; each CarMax representative advised that the fee will be waived and that they just need to put a request in for it. I was advised it takes XXXX XXXX business days at the most for approval. However, to this present day, ( about a month has passed ) and the late fee has still not been waived and Car max continues to charge it as part of interest fees due to the fact it is tacked onto the total balance amount. 

I am requesting immediate removal of XXXX {$15.00} late fee and to correct the difference in any finance and interest charges that were higher due to the balance at the time of calculations.
Product: Vehicle loan or lease

Okay my issues that I have with credit acceptance is a very extensive one and I have a lot of documentation way too many dates for me to remember but if there is someone that I can speak to directly or email correspond with because they have been consistently updating a closed repossessed account on my credit ever since the account was closed and every time my score goes up just a little bit they report and bring it back down and this has been going on for over 4 years 5 years now and they're not giving it a chance to drop off my credit like they're supposed to like it should yes the vehicle is repossessed it was repossessed during covid no they did not give me an opportunity to get the vehicle back and the guy who sold me the vehicle gave me an interest rate way outside of Pennsylvania 's cap limit for interest rates and New Jersey 's and about the car in New Jersey and I live in Pennsylvania I still have the entire loan agreement I would just have to dig it out but I do have tons of screenshots from credit reports of their false reporting on my credit dropping my score and every time they report it it's not even the same price it's a different price that they say is owed in deficient even though the account is closed and they have been consistently messing with my credit lowering it preventing me from getting a new vehicle preventing me from getting it better than what it was I almost had it up to XXXX and then they report and dropped it back down to XXXX ... Like this is getting ridiculous I've been dealing with this for years now they already got the vehicle back they already sold the vehicle to someone else and the letter that they told me that I owed and deference or difference from the vehicle being sold was only {$8000.00} and yet they're reporting that I still owe XXXX on my credit and I have that letter that they sent me somewhere I'm currently in a process of looking for a lawyer to sue them because they cost me my job when they repossessed my car during covid and I went from making {$21.00} an hour to a job that I have now that is only XXXX and because I lost my job I had to move because I couldn't afford to pay the rent at the place that I was staying.
Product: Student loan

I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX