23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.
Product: Credit card or prepaid card

lack of statements, would not accept payment over phone, Do to usbank creating payment problem thur opening and closing account rapidly with XXXX  company
Product: Credit reporting

A creditor must be reporting my current address as the house I lived at over a year ago. Each time that previous address gets updated, I have to file a dispute with Transunion to get them to change it back to my correct address. I contacted Transunion initially in XXXX to simply ask them who the creditor was, so that I could get that creditor to update the info. They told me they did not know who it was. Given the plethora of electronic information available, I believe that they simply are not interested in going through the process to find me the answer. When they told me they did n't know, I asked for a supervisor, who sent me a letter dated XXXX/XXXX/16 that he told me would have the info I needed. It did not-and I 'm sure he knew it before he sent it. After the issue happening again more than once in the last week or XXXX, I called again today, XXXX/XXXX/16. I was given the same answers, except this time I asked for the supervisor 's supervisor, who is located in the US. Not surprisingly, they disconnected the call before I talked to anyone in the US. Hence, I am turning to you for help.
Product: Credit reporting or other personal consumer reports

I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a federally protected consumer and my rights as a consumer have been violated by TransUnion, XXXX, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in TransUnion, XXXX, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If TransUnion, XXXX, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines TransUnion, XXXX, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX
Product: Debt collection

I have been billed repeatedly from some company that claims to be Montgomery Ward. This company went out of business in the 80s. I looked this company up and they have awful reviews, they are listed under scams and frauds. The scam alert review ops up. This company has several alias names, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX etc. I keep receiving credit cards statement bills from the one  call Montgomery Ward. This scam starts with a buy now pay later catalog which we all get in XXXX XXXX. I hear people complaining about this fraudulent catalog on XXXX. In XXXX and XXXX my phone was hacked and XXXX notified me. After that was cleared up, I was a victim of identity theft through an online dating site called XXXX. XXXX eventually notified me that the man I was talking with had a fraudulent account with XXXX  and for me not to respond to him. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. ( My last communication was XXXX, see attached ) I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

CITIBANK N A Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX  for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that Equifax XXXX XXXX investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX collection account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant.

*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my Equifax and XXXX Credit Reports XXXX 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This Account.
Product: Credit reporting or other personal consumer reports

The company reported wrong statement balance my account closed with XXXX on XXXX XXXX XXXX account which was the amount that was reported on XXXX but equifax reported XXXX dollars which was incorrect i have attached my closing balance for this month on the attachment, the need to update the reporting, they have to factually report the correct, according to fcra the credit burea have to report accurate information, -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ads/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit was supposed to be available on thursday XX/XX/year> and it has not deposited. I have bills to pay and a baby to feed. Capital One has not updated on the issue for direct deposits. It has been since Wednesday
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank, N.A XXXX. XXXX XXXX XXXX 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
Product: Debt collection

I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through XXXX, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the  remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX XXXX   removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX at XXXX, XXXX at Equifax, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Product: Checking or savings account

On XXXX I visited a website that was a scam. I tried to make a purchase with my Chime card but it kept being declined. I used another card and didnt think anything of it. I noticed 10 transactions on my account that I did not authorize. Not only did this company drain my Chime card they drained my other card as well. As soon as I noticed these charges I called Chime and disputed. Chime stated that I would be given a credit for the charges within 10 days while the claim was being investigated. Today I received an email from Chime that the charges were valid and my claim was denied. The charges were from XXXX XXXX and XXXX. XXXX. XXXX is a website where everything is free and Words is for translating things in different languages. I have nothing to do with either company. What evidence did the merchant provide? Are there any tracking numbers? How did I spend money on a website where everything is free? How can you deny my claim without properly investigating? A police report was filed for this fraud hopefully someone will help. I pray that I can get my money back this is the holiday season we should be surrounded by love not thieves.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX was informed of billings to my credit card with XXXX from Google. Google has a ridiculous policy of only allowing 48 hours to request csncellatiom for a refund. How is this legal? All other credit card and service providers are a minimum of 30 days to allow for a cancellation. 

Second, XXXX never received from Google, from Google 's own website where I cancelled 4 months worth of XXXX XXXX and I cancelled this charge every month from the very beginning with Google! There are 4 charges of {$75.00} per month for XXXX  that was purchased through Google and canceled through Google. When is Google actually going to reply pond with canceling their billing for services no longer desired by their customers? I ask, as I am still being billed!

This is outright billing fraud!
Product: Money transfer, virtual currency, or money service

I tried to report unusual activity on my account and was unable to reach a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau XXXX Equifax and XXXX has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX Equifax in XXXX have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. equifax XXXX XXXX and XXXX a ... .ve aliases and addresses that are unknown to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was open in XX/XX/2015 according to my credit reports. It also says never late paid close. But I never own or authorize this company to issue anything loan.
Product: Credit card or prepaid card

On XXXX XXXX, my credit card was charged 4 times for amounts ranging from {$500.00} to {$750.00}. I have called customer service multiple times over the past month trying to get these charges refunded to my account. So far I have only gotten 2 disputes cleared. Every time I call Citi, they tell me it will take a week. A week goes by, I call again, and I'm told it'll be another week. I feel like I am being scammed by Citi.