23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My american express card was block due to for whatever reason, and when i tried to get help online from the chat box, they told me to called the account protection team because they are open 24/7, which is another lie! all i got was a voicemail. so the whole entire night i couldn't used my card! and i never gotten any notification about my card being blocked! and when i called in the next day. i was being put on hold for an hour. and when i finally gotten the chance to speak to a rep, i was put on hold for an another hour. This company is losing itself. i don't have time to do this hold thing!! as of now my card is still being blocked!!
Product: Money transfer, virtual currency, or money service

I send money through zelle to an impersonator. Someone hacked my relative XXXX account ( Her account is XXXX XXXX XXXX and i already reported to XXXX ) and directed me to send them money to the email XXXX. 

I talked to the bank ( XXXX ) and there's nothing they can do to recover the money. 

This scammer has already scammed a lot of relatives and is still using the XXXX account and email account to scam people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Spring Oaks Capital has bought my debt from XXXX XXXX  and reporting it as a new debt. This debt is over three years old and has been reported as charged off then. They are reporting it was opened In XXXX of this year. This is false. They are trying to collect {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX  XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Made XXXX principal payments on account on XXXX XXXX and XXXX XXXX and both payments simply were not processed nor applied to balance. 
When I inquired I spoke to M & T XXXX XXXX and he explained it XXXX take a couple of days to get an answer. Well after XXXX days I never did get an answer. 
As of today, XX/XX/2024 XXXX payments for {$XXXX} each, which I have receipts for have not been applied to balance No one seems to know where they went and no one seems to want to give me any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries were placed on my credit report and I am very angry that they are letting me get taking advantage of from these companies and this is ridiculous.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

I have a late 90 days remarks and there are no prior late remarks on these account number XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of certain accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific accounts and inquiries that I believe are the result of this data breach and should be removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX XXXX # XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2100.00} Fraudulent Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate High Balance : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate reporting on my credit report Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Payment Status : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate 3. Account Name : XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Payment Status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. 

I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Web XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

the debt is now in collections and needs to be taken off of my credit report
Product: Checking or savings account

I was scammed. I found a guy on the XXXX app ( pet sitting ) who wanted me to take care of his dog. Said he was moving to the area. We talked for a while about that. Then he asked me if I would be willing to do some personal assistant stuff and asked me to order him some supplies so he could have them ready when he arrived. So he sent me a check for {$4500.00} with a list of stuff to order. I deposited the check at PNC Bank on XX/XX/XXXX. He then told me he hired a personal shopper and asked me to please send the money to his shopper instead of ordering the supplies myself. So I sent all the money via XXXX. Today, on XX/XX/XXXX, the check bounced and was found to be fraudulent, which put me in the negative for that amount as I had no money in the account at the time. I replenished the money, in CASH within the hour of it bouncing. After I replenished the money, all of my accounts were frozen. I went into the branch and was told that my accounts were being closed, and I would not be able to open a new account as they were terminating the relationship. I begged them not to do that. All of my bills come out on the XXXX, and Ive been banking there for XXXX years. I sobbed and begged. They told me no, gave me my money, and sent me on my way. I was the VICTIM of a scam. And my own bank not only wouldnt help me on the fraud end, told me they could do nothing, they then terminated all of my accounts immediately.
Product: Credit reporting or other personal consumer reports

I have been working with Nelnet as my new student loan provider. Prior to them taking over from Great Lakes, I had always been on time with my payments. Nelnet took over near the end of the pandemic and reached out to advise to me of that. Beyond that, I did not receive anything from them other than a monthly letter that I did not owe a balance due to the pausing on the student loans. Before the pause was supposed to end, I had attempted to reach out monthly to get in touch with them for manageable repayment options. This was prior to XX/XX/XXXX when I started doing my calls the first week of the month, but I did manage to call monthly from XX/XX/XXXX on, just not during the first week like now. Nelnet 's phone lines were always busy and stated to call back later which yielded the same results during operating hours, and told me to call back when outside of their office hours. I was finally able to reach them in XXXX of XXXX and spoke to them about getting a different repayment amount and that I could get caught up with my past due as soon as they we able to confirm the new amount and allow me 3 months to get it paid back in full ( I have saved this amount so its ready to pay at anytime ). 
The repayment amount was never discussed with me prior to repayments starting back up and at that point, I was also sending letters to their return mailing provided with my statements asking them to reach out to me. I did receive what I think may have been calls from them, but they would cut out on the voicemail after 2 seconds of no sounds. I did manage to get an actually voicemail in XX/XX/XXXX and was playing phone tag with them as they called while I was working and did not answer my callbacks ( the line they provided was a main customer service line, not for the person handling my file ). 
I have at this time offered Nelnet the amount past due in a full payment, which they did not take at this time and told me I would have to wait until they reached back out on the forbearance they put my loans in. 
I have completed my due diligence in reaching out, but Nelnet has been unable to properly reach back out and provide assistance. Instead they have hurt my credit score by nearly XXXX points after spending the last 20 years building it so I could afford to get a home. I'm happy to not only pay my balance due, but a good faith payment of extra as well to get current and have this taken care of so my credit score can be restored to its pre-dinged amount. I did take the steps I needed to make sure I was paying on time, but fairly as well inline with my income. I'm also willing to withdraw this complaint as well if they are willing to get it resolved in that matter too. But I have little desire to have to rebuild something I worked hard for just because Nelnet was unable to properly respond and get one of their customers taken care of.
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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX Late Payments, Dept of EdXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Affirm : # XXXX, XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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.

15 U.S.C. 1666B ( A ) ( 1 ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have sent various disputes since 2023 and I have not received any documentation regarding the verification of my accounts.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Product: Mortgage

I applied for a mortgage with Sun West Mortgage via XXXX XXXX XXXX ID XXXX. 

XXXX denied my application to submit to underwriting stating I did not meet FHA guidelines because I did not have a home I own and will be renting out via a lease appraised and that should could not accept the lease I had. 

Per FHA guidelines a current lease can be used to estimate rental income. 

XXXX is not an underwriter so she should not be preventing people from applying for FHA loans. 

I am now at risk of my contract falling through due to her and her companies negligence and incompetency.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information on my credit report regarding accounts that have been reported as late payments. Upon carefully reviewing my records, I have verified that these accounts were paid on time. 

This erroneous reporting has adversely affected my FICO Score. According to 15 U.S.C. 1666b under U.S. law, which addresses late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I respectfully request that the status of these accounts be updated to accurately reflect on-time payments.
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. 

XXXX : XXXX, XXXX XXXXXXXX : 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 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: Debt collection

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Product: Debt collection

I disputed this debt in XX/XX/2022. The creditor was unable to verify the debt and amount due. The creditor dropped collection attempts and agreed to remove it from my credit report. 

On XX/XX/XXXX the reported the debt again to be in collections. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX  accounts, one was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines on my XXXX  account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines with XXXX  XXXX  ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX  representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.
Product: Debt collection

repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX.
Product: Credit reporting or other personal consumer reports

IVE BEEN IN CONTACT WITH CREDIT COLLECTION IN SEVERAL ATTEMPTS AND EVEN SPOKE TO THE SUPERVISOR CONCERNING THIS MATTER WITH XXXX. 
I DO NOT HAVE XXXX AND THE CARS THAT ARE INSURED WITH XXXX UNDER MY NAME IS TITLED OR OWNED BY ME. I HAVE CONTACTED THE XXXX AND POLICE CONCERNING THIS MATTER AND ALL REPORTS HAVE BEEN FILED AND SENT TO XXXX XXXX. THEY HAVE KNOWLEDGE ITS NOT MY ACCOUNT AND SO DOES CREDIT COLLECTIONS AS WELL. I HAVE SPOKE WITH MY ATTORNEYS IN XXXX AND THEY ARE FILING LEGAL ACTIONS AS OF XX/XX/year> TO SEEK LEGAL DANGEROUS ITS COST ME.
Product: Money transfer, virtual currency, or money service

This has been harrowing since today ( XX/XX/2020 ). I've downloaded the app XXXX, and tried to get an advance on my next check, however the app isn't connecting through my bank ( PNC ) which makes it difficult to receive the advance. It'd really help if i could be able to connect those type of apps too my bank just as a cushion to help with further expenses.