23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The interest rate on my private student loans have been steadily rising every quarter. They have risen more than 1 % in the past year, with the largest now sitting at more than 12 %. At most, they should have only gone up by .25 % to correspond with the Federal Reserve interest rate hike. In reality, the interest on a loan that ca n't be discharged should never increase. I have never missed a payment, and there has been no change to my income or credit score. I have contacted my servicer twice to inquire as to why they are rising, and have received no response other than " we have received your communication and will be in touch. '' Raising the interest rates on massive student loans for no discernible reason should be against banking regulations.
Product: Checking or savings account

I have been a member at Wells Fargo bank for over 11 years. Throughout the years of having this account I have received multiple denials and discriminatory activities against me. 
Recently, my account was closed without notification and discrepancy and dates of closure. 
Notification of closure date was on XX/XX/XXXX via email address. 
Was told by bank that my account had closed on XXXX and then officially closed on XX/XX/XXXX and I was notified by mail in which is not true. 
Bank account was overdraft and I was making payments toy account trying to catch up with overdraft payments, unaware that my account was closed while still making payments. 
After being a lawyer member to this organization, I have experienced fraud waste and abuse by Wells Fargo. 
Pre-approvals for loans and credit cards sent to me only to deny me credit of any kind. Fraudulently running my credit score knowingly that a denial was going to be sent, denied business accounts, and also overcharged for not meeting certain criterias that were met.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX XXXX  XX/XX/XXXX - did not authorize XXXX XXXX via dealer - XX/XX/XXXX - did not authorize XXXX  - XX/XX/XXXX - hard inquiry did not authorize XXXX  XX/XX/XXXX - hard inquiry- did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX, XXXX, 4 listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Payday loan, title loan, or personal loan

THIS IS NOT A DUPLICATE COMPLAINT. MY COMPLAINT WAS CLOSED AND I DISAGREE WITH THE RESOLUTION. I AM A CONSUMER AND ELAN FINANCIAL HAS VIOLATED MY CONSUMER RIGHTS AND HAVE ADMITTED TO SUCH. 

Recently, I, XXXX XXXX, was denied an extension of credit by Elan Financial. On XX/XX/2021 I submitted credit card application, I applied for a Fidelity XXXX XXXX Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Elan Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation did not fix problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the consumer disputes. 

I have attached the disputes and copies verifying my identity and would like Equifax to mail me a full credit report disclosure and the investigation results,
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear NET CREDIT, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL 445.61445.79c ) and the Michigan Consumer Protection Act ( MCL 445.901445.922 ).

It has come to my attention that NET CREDIT has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL 445.72 ).

I assert unequivocally that I have not provided consent for NET CREDIT to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws.

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL 445.72, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. NET CREDIT unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL 445.903 ( 1 ).

I demand that NET CREDIT immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws.

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences.

Done in good faith.
Product: Debt collection

The company has called my phone threatening legal action. Today they contacted my work phone, and never disclosed who the debt was with, but left an account number and told me to go online to make a payment now, and to not underestimate the actions that can be taken.
Product: Debt collection

We contacted the XXXX XXXXXXXX XXXX XXXXXXXX police department. There was a detective who did try to investigate but unfortunately told us that the cameras at home depot do not go back to that specific date of the identify thief transaction. We talked to home depot customer service multiple times but they did not resolve the issue.
Product: Student loan

On XX/XX/2024, Nelnet told me my student loan payment was adjusted to {$0.00} on an Income-Driven Repayment Plan. Since then, they have continued to attempt to collect payment.
Product: Money transfer, virtual currency, or money service

PNC Bank NA has arbitrarily disabled its interconnectivity to XXXX. I am unable to transact touchless/contact-less transactions to support an XXXX  XXXX XXXX. There was no notice or warning provided to bank customers of this development and no consideration of the monetary impact this would have on thousands of PNC customers who use XXXX to reduce their transaction costs in personal and business banking.
Product: Vehicle loan or lease

My car was totaled on XX/XX/XXXX I told my bank what had happened and they didnt care I had made all my payments on time until XXXX because I had wrecked my car fast forward to XX/XX/XXXX my Insurance paid them {$22000.00} but I was still waiting on the gap I sent all my information to gap back in XXXX I waited and nothing I called my bank Santander consumer USA to see what was going on they said call gap I call gap they say call the bank I get the bank and gap on a three way because gap said they didnt have information and the bank Said they didnt have information a month goes by I think everything is dealt wit come to find out the bank has not sent all the information they needed 5 months go bye back and fourth with Santander consumer USA and finally they sent what gap needed so in total {$23000.00} so now im ready to pay the account off right ... ... .nope because I get a letter saying I have {$330.00} in late fees {$740.00} in total so I call Santander consumer USA trying to get this figured out at the beginning of XXXX and I try to pay it and the machine says I owe {$1000.00} now how does it go from {$740.00} to {$1000.00} in less than a month keep in mind the buyout price for the car was {$24000.00} so in closing I believe there is just a gross misconduct of how SANTANDER CONSUMER USA has treated me as a customer and just as a human being not understanding there is a whole pandemic going on in America and not being understanding of that is just coldblooded very coldblooded please help me please and thank you XXXX XXXX XX/XX/XXXX Phone number XXXX
Product: Debt collection

I called the National Recovery XX/XX/XXXX to confirm more information on debt being that I have not received anything in the mail regarding this debt, XXXX is the representative I spoke with informing me they sent out text messages I informed the representative that I havent got a text message and by law I needed something in writing she then confirmed they sent out a letter on XX/XX/XXXX. I have not got XXXX letter or text message about this debt. I have not got the opportunity to dispute and/or pay this debt. I want this removed from my credit report immediately or I will file a lawsuit for violating my consumer laws.
Product: Mortgage

Despite years attempting to correct the situation and filing many complaints, Seterus, Inc has continued to move forward foreclosure and has damaged my credit to almost irreversible levels since XXXX. The constant harassment has caused me serious health issues and inXX/XX/XXXX, XXXX XXXX clinically diagnosed me with XXXX. Seterus continues with the same scheme to defraud mortgage owners by charging them for insurance they already own, and making the insurance part of the mortgage payment, then alter fix rate mortgage like mine to collect not only the fraudulent insurance money but also late charges the company incurs to costumers. Seterus, Inc has partnered with XXXX XXXX, a service provider to Seterus, Inc who supposedly contact costumers like me to request insurance proof, but truly costumers do n't get noticed from XXXX XXXX, until after the fraudulent insurance has been " purchased '' by Seterus on behalf of the mortgage owner. I requested XXXX XXXX and Seterus, Inc to issue proof of the original insurance request I supposedly receive on XXXX, but I never received anything from either company. In XXXX, I started to get letters from the lenders, Seterus that I was late on payments, I check my bank account and I corroborated all payments were made on time, I contact the company via phone to get an understanding of the late changes and changes of my account but customer service over the phone was unable to explain what was going on with my account. I finally got fed up with the lack of explanation from Seterus and I filed a complaint with CFPB. Finally, in the response from Seterus to CFPB, I understood what the claim was, but I was still not clear due that I never received an official request of the master insurance from either Seterus or XXXX XXXX, and despite many requests to Seterus to issue proof of the original insurance request which supposedly was sent to me on XXXX I never got evidence of the same. I submitted the master insurance to Seterus, Inc,  and XXXX XXXX, on On XX/XX/XXXX, via mail and fax, almost four months later I received a letter from XXXX XXXX, requesting the insurance, when I point out that on a previous response via CFPB, Seterus acknowledge the undeniable submission. Until today my account has not be corrected, almost three years and this company continue the scheme. An early complaint to the NY Attorney General has put me in contact with the FBI and FTC who now request CFPB to submit all records of my past complaints about Seterus and its scheme directly to the investigator. So please see the attached request and direct me on how can I submit all past complaints regarding Seterus to the investigator.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages
Product: Checking or savings account

The bank accounts are POD which I didn't ask for and I'm not dead. The beneifcaries are unauthorized I never named no one for that. Also I'm divorced and never give anyone authority to act on my behalf at all.Medical statements are false to get financial gain. Since 2020 when I filed identity theft I haven't yet been able to access not XXXX account on my behalf. I never give consent to a third parties or a power attorney.I never got any legal documents for accounts, mortgages, properties nothing at all due to mail theft and divorce and unauthorized transfer of assets and accounts and due to unauthorized name change caused by marriage license and high school dilpoma and birth certificate stolen. I need to update my information. No actions were taken but a new account but nothing was fixed.. my data is sharing with the public so public access to information on back accounts. Currently homeless right now due to this.
Product: Vehicle loan or lease

Capital One and XXXX XXXX XXXX violated ( TILA ) Truth In Lending Act ( ECOA ) Equal Credit Opportunity Act, ( UDAAP ) Unfair Deceptive Acts Practices, and 15 usc 1611 Willful and Knowing Violation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 U.S.C 1681.

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 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may take 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 168s-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. 

Date Reported, Company, and Address XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX ( Private SSN ), Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 1.a personal credit card account opened at XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$21000.00}, 2. a personal Revolving account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$640.00}, 3. a personal Revolving account opened at XXXX on XX/XX/XXXX with a balance of {$380.00} under the account number XXXX, 4. a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} under the account number XXXX. 
5. a closed account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$6200.00} under account number XXXX. 
6. a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$8700.00} under account number XXXX. 
7. a charge off account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1000.00} under account number XXXX. 
XXXX a charge off account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$370.00} under account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, fraudulent charge offs and fraudulent closed negative accounts 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. Also fraudulent addresses reporting on my consumer report are XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent Phone number XXXX and incorrect names XXXX XXXX, XXXX XXXX XXXX. And Fraudulent inquires 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX 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 # XXXX 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

LETTER WAS DELIVERED ON XX/XX/22 XXXX XXXX XXXX XXXX XXXX this correspondence reminded transunion of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract.