23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It has come to my attention through Nelnet 's own employee 's that in XXXX they engaged in a predatory practice of telling me I had to put my loans in forbearance. They said there were no other alternatives and pressured me to take forbearance on my loans for a period of two years until XXXX. This type of predatory practice by other loan servicers in the past has not been excused, there should be no excuses for this company either. I understand that it has been 10 years since they did this to me, I am still deeply emotionally damaged due to the irreparable harm cause by the two years of forbearance they manipulated me into. Nelnet is the literal fascist party of financial oppression, a do as I say or get steamrolled type of mentality from this company 's leadership. Please stop letting them get away with harming anymore American people and actually send some repercussions to these leeches.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and Equifax. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXXXXXX reports the account as being opened on XX/XX/year>, while XXXX and Equifax report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas Equifax reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and XXXX report this account with a high credit limit of {$250.00}, Equifax inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( XXXX ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$130.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department of Financial Protection and Innovation that XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 
Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX  is not licensed to collect in California. 

Equifax must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

my account is constantly locked my debt card was canceled and with the current times i cant go in the bank to resolve these problems i call they say to go to my local branch i cant thers a corona virus epidemic going on
Product: Student loan

When I was in college I had to take out a couple of student loans to be able to pay for school. When I got to the repayment I struggled a lot because I wasn't able to find a decent job to afford the payments for the loans. I called several times and the only options that I was given was to do forbearance or deferment. I have several of those in trying to figure out through the years how to repay this money. It wasn't till about 3 years ago that I was offered the income based repayment option. If I had of been offered this the first time I called I would be close to having the loans forgiven. Now I have to continue the plan till they tell me otherwise. Still stuck with them on my credit even though I can't afford them and not given any reason as to why it wasn't offered to me before then. Any assistance with this issue would be greatly appreciated! I just want the WORST decisions of my life to stop holding me back because I can't afford them.
Product: Debt collection

We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX XXXX and TransUnioncredit report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Diversified consultants reported an old account from XXXX as a collection account to my credit which in fact was discharged in a chapter XXXX bankruptcy. They refuse to remove the debt and are violating federal law because this debt by law is no longer allowed to be collected.
Product: Credit card or prepaid card

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019. Here are the accounts that I am disputing : COMENITY BANK/EXPRESS XXXX Balance - COMENITYCB/XXXX  XXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXXXX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I was sued by Capital One, I was never served. I had been living at the same address for 5 and a half yrs. during the time of the filing. I only became aware of the judgement when they attempted to garnish my wages. It was a nightmare as well as an embarrassment. My employers Business Mgr. gave me the information, I told her I would take care of it immediately. I called the attorney, XXXX XXXX and paid the amount he gave me. I should have asked for back up information what I was paying for but the judge had already made his judgement. I received a letter from XXXX XXXX confirming that payment had been made. At some point in XXXX I must have accepted an offer for a credit card from Capital One again & I accepted. But confusing things started happening ; like getting emails telling me my card that they said had only a {$450.00} balance, was now over by {$300.00}. The email referenced a card ending in XXXX. I checked and that was my card, but my statements said I had a {$750.00} credit limit. I emailed my confusion but never heard back. I rarely used the card because the interest was very high. I didn't pay much attention to any emails from Capital One as I new I had a XXXX balance and the card was due to expire around the time our house burned down. We lost everything but 3 days later I went back to the house and did a little, careful walk thru just the part that was safe. I tried to find important documents, etc. I was able to collect a few boxes of singed paperwork & a few family photos & military items, that was it. That's where I found the judgement & letter. I've been working on my credit for a few yrs. now. I've tried to contact Capital One by mail. They keep sending monthly summaries for that card that should have expired in XXXX. If they sent out a new card I never received it. I don't think anyone did, but if it wasn't activated why do they keep sending me summaries XXXX which all say {$0.00} balance )? But they are constantly running inquiries on my credit reports, all 3 and I want them to stop. I don't want any credit from Capital One. I haven't applied for anything from them, I don't owe them anything ; I'd like to know if it's legal for Capital One to just keep running inquiries? I have attached all the documents backing up everything I have mentioned here.
Product: Credit card

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX U.S.C. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW
Product: Payday loan, title loan, personal loan, or advance loan

company overcharging me and hitting up my credit report. I been paying, and they sent me to collections and charge-offs. I been paying for products that don't work, from XXXX. They won't acknowledge that the company sold me bad products. 

Resolution stop attacking my credit report and I paid off my chargeback and collections accounts
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Is in violation of multiple 1970 FCRA Laws : here are the following laws that are being violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Aren't you a cooperation? This is against the law for Experian to report late payments on my consumer report. Please remove this information. 



15 USC Section 1681i ( 5 ) states ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 



15 USC 1681 ) a ) 4 states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



15 USC 1681b ( a ) states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Experian has never received my written consent to furnish this information! 



Here are the accounts in wich Experian is violating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.
Product: Credit reporting or other personal consumer reports

I WAS TOLD THAT I COULD PUT MY CAR IN GARAGE STORAGE BUT LATER FOUND OUT THAT THE PHONE REPRESENTATIVE GAVE ME FALSE INFORMATION AND THEY ARE HOLDING ME RESPONSIBLE FOR THE MISCOMMUNICATION THAT I WAS GIVEN. ALSO MY AUTO LOAN HAS BEEN GETTING PAID MY XX/XX/XXXX MONTHLY. IT WAS NOT PAYING FOR THE MISCOMMUNICATION PAYMENTS! LOAN NUMBER ID XXXX WITH XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX