23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I do not recall the first time I was contacted by this company but I have attempted several times to receive information regarding the supposed debt. I received very little information just that its a payday loan that I " think '' was applied for in 2013? I may be completely wrong on that year. When they were going thru the " verification '' process they had several Identification facts correct, apparently someone did have an ID/ or an old drivers license of mine. However in the talk they asked if my email was ** it was not, they also asked what my relation was to several people, well I didn't know a single one of them. So I did digging of my own and looked the email up via XXXX, the wonders of the internet are incredible. But alas I came across another person with my name only this was her married name not her maiden name. I reached out several times to try and contact her and her ex husband and never got any replies. I am putting the complaint in today because while I don't believe this woman used my information for any other purposes as nothing has shown up on my credit report in the past XXXX  years except accounts I myself have started. I have a phone number for the collections company and an account number they have affixed to it but no other information from them. They have assured me if I ignore the expected delivery of paperwork tomorrow that I will be persocuted and funds will be allocated thru a default judgement. It honestly isn't even about the amount of this loan it's the pure fact I know it wasn't me, and they refuse to show me any proof they have of who took out the loan. If they allowed someone to use my expired ID to take out a loan I have the right to be XXXX you can't even buy a beer with an expired ID lol.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank has been notified multiple time about the inaccurate reporting of this account. I have disputed this account directly with them as well as through this CFPB portal before. They have gone well past 30 days without communicating to me and have failed to keep correct phone call logs if when I have called. This account was paid off and closed by XXXX XXXX bank. It was reported to have a late fee after it was closed. And the account from XX/XX/XXXX to XX/XX/XXXX had late payments. But was never charged off. And when I originally started to complain about the account XXXX XXXX bank added a full year of new late payments onto the account that showed me being late in XXXX!!!! XXXX XXXX Bank after months of me complaining agree to fix the account but not remove it. 

They updated the account inaccurately twice after that. I called and even submitted a complaint through CFPB portal and that investigation went no where. Never hear from the credit bureaus or from XXXX XXXX Bank. I stopped fighting this once the pandemic happened. My last attempt to fight this was XX/XX/XXXX. I called up to XXXX XXXX Bank on XX/XX/XXXX. And tried to goodwill this account deleted from my credit reports, because it is still showing inaccurate information. I was told by the lady on the phone, that she would be sending her boss a email and that someone would be calling me back that same DAY. I waiting 8 days and no one reached out to me. I finally called back yesterday XX/XX/XXXX and I was transferred 7 different times to people at different levels within inside XXXX XXXX Bank. And I was told that they were not going to do anything for me. Refusing to connect me to the corporate office.I was told to file a complaint and leave them alone. But this is when I got really upset. I was told that they have no record of me calling in on the XX/XX/XXXX!!! How can XXXX XXXX Bank be able to furnish my credit report when they cant keep correct phone call logs.
Product: Debt collection

This debt was included in a XXXX XXXX that is currently being paid for, the company did not file a POC but the stay, per my attorney, has not been lifted. I did contact the company to advise of the BK and to stop contacting and direct any inquiries to my BK attorney and they are still contacting me.
Product: Student loan

I have been trying to reach Nelnet for months. I am enrolled full time at XXXX XXXX, so my loans should be on hold. I have tried calling where they hang up as soon as I get through the hold, which has not taken less than an hour at this point. I have tried using their chat, which disconnects as soon as someone " becomes available '' to help. I have tried emailing their customer service and written request email inboxes, which no one has responded to. 

Finally, I received my FIRST notice from Nelnet yesterday ( XX/XX/23 ) that I had a bill due and it was being auto-payed because I had previously set up that feature with Great Lakes XXXX I had logged into my online account not long ago and it showed a {$0.00} balance due for this month before the XXXX. However, this is a major problem. My informed delivery through USPS can prove that the notice was not received until AFTER the due date where they had already taken the money out despite the fact that I should be in deferment for being in school full time. 

All of this follows my attempt to receive expanded public service loan forgiveness which Great Lakes failed to process. Nelnet reps last year said they were looking into it, but never actually did, and told me I was ineligible for PSLF because I had already received it, even though I had specified multiple times it was in regards to the EXPANDED one-time forgiveness I attempted to apply for when it was available.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Product: Student loan

I received a letter from XXXX  in response to my previous complaint about the private loan threw Sallie mae. I spoke to a reprensative from XXXX  and they told me to file a complaint threw your company which I am doing so. XXXX  told me I could sue Sallie Mae. Sallie Mae was the original company I paid my private loan threw. I had previously spoke to Sallie mae .about this private loan and Sallie mae said that every thing was transferred to Navient.. Well since I did pay this private loan in full of which was taken out while I was a student at XXXX XXXX ( XXXX XXXX ) . And yes Salle Mae was my student loan company the change to XXXX also while I was still in school. I feel I have a right to file a complain about Salle Mae. I feel Sallie Mae should pay me back since they were the original loan company who knew about the private student loan in the first place. 
Most persons who attend school are more than likely to be thinking about completing the education not just what their student loan will have to be paid back after you finish your education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an installment loan in XXXX of 2021, with Sun Loan Company, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into Sun Loan on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX American and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for things in my name. I dont know who the person is. Please delete the inquires for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is on my credit report without the agency having any info or record of the origin of the debt. I contacted Portfolio recovery onXX/XX/XXXX to inquiry about my contact. They didn't have any record of my account, the account number and any information associated with my account. They didn't have any account information associated with this debt on file.
Product: Credit reporting or other personal consumer reports

Equifax came back and stated information verified was inaccurate when in FACT THE INFORMATION IS NOT ACCURATE ( SEE ATTACHMENTS AS PROOF ). 

THE DEBT COLLECTION COMPANY IS COMMITTING FRAUD AND INFORMATION SHOWING ON MY CREDIT REPORT IS NOT INFORMATION SHOWING WITH STATE OF XXXX  OFFICE OF REGULATION. ( SEE ATTACHMENTS AS PROOF ) Collection Agency Fair Collections and Outsourcing is committing FRAUD AND ILLEGAL ACTIVITIES in the State of XXXX. 

Fair Collections and Outsourcing is in violation of ; State of XXXX  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of XXXX  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in s. 775.083, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions. 

Im currently a resident of the State of XXXX. 

Equifax credit report is showing that Equifax verified this debt with Fair Collections and Outsourcing and their address reporting on my Equifax Credit Report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The State of XXXX  states all collection companies trying to collect a debt from State of XXXX  residents must be licensed with State of XXXX  Department of Regulation . 

When reviewing the companys registration with The State of XXXX  Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Attachment For Copy of License From State of XXXX  Office of Regulation ). 

Address showing on State of XXXX  Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts and inquires that I do not recognize. I contacted the credit bureaus to dispute these accounts and inquires and requested their removal. Unfortunately, the credit bureaus refuse to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there " XXXX XXXX '', it has been on my consumer report for about a month now.
Product: Credit card or prepaid card

Ive had an account with Self.inc ( formerly Self Lender ) for over XXXX years. Ive gone through XXXX Credit Builder loans and had a secured credit card with them with a {$1700.00} security deposit from the XXXX loans. One month ago I paid off my credit builder loan early as Id come into some extra funds. Payout was supposedly XX/XX/XXXX. Three weeks ago I received an email that they needed information to verify my identity ( pics of license and social namely ) so I sent them in. One week ago they sent me an email saying they couldnt verify, so my credit card account is now also closed. After paying the balances off, Im owed over {$1200.00} that should have been paid back to me per their terms.
Product: Vehicle loan or lease

In XX/XX/XXXX, I signed a 3-year lease for a XXXX XXXX from Tesla. On XX/XX/XXXX, Tesla sent a driver to my house in XXXX XXXX to pickup my leased XXXX  XXXX and dropped off a new leased XXXX XXXX. Because of Covid, everything was done online and remotely ; I did not have the option to return the XXXX  XXXX to the dealership or ask for an inspection of the XXXX XXXX I completed all lease payments toward the XXXX XXXX before it was picked up. 

On XX/XX/XXXX - 595 days / almost 20-months later - I received an automated email from Tesla saying my " XXXX XXXX XXXX XXXX Final Payment Is Overdue. '' I assumed it was an error and ignored it, but after receiving 2 more emails within 3-days, I emailed Tesla Payment Resolution and reminded them that I had returned the XXXX  XXXX in XX/XX/XXXX and had made all lease payments. That's when they explained they were charging me {$1700.00} for excess wear and tear and the disposition fee : curb rash 2x {$170.00} front bumper repaint due to scuff marks {$600.00} charging bundle {$450.00} disposition fee {$390.00} ( Tesla 's math doesn't add up ) I disputed all of these charges with Tesla as I returned the XXXX  XXXX in good condition and returned the charging bundle. As the XXXX XXXX has been in Tesla 's position for 20-months, and Tesla never notified me of any concerns or damage to the vehicle after it was picked-up, I believe that any now-reported damage was caused by Tesla employees, vendors or potential buyers - not me.

I have requested from Tesla a copy of the actual inspection report that was conducted when my XXXX XXXX was picked up in XX/XX/XXXX, but they have only provided me with a couple photos. I have also asked Tesla to provide me with proof that ( 1 ) the above listed damage was caused by me, and ( 2 ) the photos are of my old XXXX  XXXX, and not a different XXXX  XXXX, but Tesla has not provided me with any proof.
Product: Credit card

In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report and noticed that the above account XXXX XXXX  was on my credit report. I called XXXX XXXX this morning and talked to XXXX in the Fraud Department . I explained to her that I did not open any account with them, and I don't know who they are. One of the things she said that I would have to reach out to the credit bureaus and then get to/them. I called Equifax and had to go through their answer questions pertaining to my credit report in order to speak to someone and that didn't work out. To look at your credit report and see that someone open a credit card account in the amount of {$10000.00} in your name, and XXXX XXXX reports it and Equifax signs off on it by reporting as well, who can you trust? 

It's very frustrating when you explain to company/companies pertaining to a matter like this that you did not open this account with them, and they give the third degree and run around. Some of these companies and the credit bureaus are quick to report late and missed payments, but when you try to clear your name, it takes weeks, months and possibly years to clear name and to recover from it as well. For resolution, I want this account deleted from my Equifax credit report. And I'm seeking {$1000.00} per violation of the Fair Credit Reporting Act ( FCRA ) from both XXXX XXXX XXXXXXXX XXXX  for reporting fraudulent and false information onto my Equifax credit report. And Equifax for not conducting a proper and thoro investigation of a consumer 's personal information before reporting it onto their credit report.
Product: Credit card or prepaid card

Card was charged without my knowledge. Transactions are from XXXX and XXXX XXXX. I did not authorize these transactions. The total comes out to {$430.00} during the month of XXXX. There was a total of 18 transactions. No help with cancelling the card at all. I tried calling XXXX and no help was provided, and the same with XXXX. I will be making a police report as well. Reliacard US Bank has not been helpful with filing a dispute. There is no way to do it online and I was put on hold for two hours with no help.
Product: Credit reporting or other personal consumer reports

when i looked at my credit report last month, i realized that my credit report had accounts that where caused by fraud. I later found out that my ex girlfriend XXXX XXXX used my information withut my consent
Product: Debt collection

IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.
Product: Checking or savings account

On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I noticed that I have several late payments on my old mortgage account that I do not recall ever being late on a payment. Please reflect on my credit that my payments were on time. This account has been closed since 2019.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft Dear TransUnion, I am writing to formally dispute several unauthorized credit inquiries on my credit report, which I believe are the result of identity theft. Please consider this letter as my official request to investigate and remove these inquiries in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
The following credit inquiries were not initiated or authorized by me : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Under the FCRA, Section XXXX, I am entitled to dispute information that I believe is a result of identity theft. I have attached the following documents to support my claim : XXXX. A copy of my government-issued photo identification ( e.g., driver 's license or passport ). 
XXXX. A copy of a utility bill or other proof of address. 
XXXX. A copy of the Identity Theft Report filed with [ Police Department Name or Federal Trade Commission ( FTC ) ]. 
I request that you : XXXX. Remove the unauthorized inquiries listed above from my credit report. 
XXXX. Send me a corrected copy of my credit report once the inquiries have been removed. 
XXXX. Provide written confirmation that the disputed inquiries have been resolved. 
I also remind you that under the FCRA, you are required to complete your investigation of this dispute within XXXX  days of receipt of this letter and notify me of your findings promptly. 
Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at XXXX ]. 
Sincerely, XXXX XXXX I tried disputing these inquiries with Transunion over the phone and they refused to help me. Please investigate and take these fraud inquires off my reports immediately
Product: Debt collection

This should have been covered with my insurance I went back to the hospital a couple of days later and the insurance paid that claim I dont understand why they did n't file this claim