23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Springs Oak Collection say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. 
The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 
Your information is incorrect.. 
PLEASE DELETE THIS FROM MY XXXX CREDIT REPORT. 

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Debt collection

I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
Product: Checking or savings account

I went to my bank Truist on XX/XX/ and asked that my business 's checking and savings account be closed. I was told it may not happen until the next day until a check cleared, which was written on the same bank. The next day came and the bank lady called me at an inopportune time to talk to me for some reason. 
I could not talk and told her to close the account again! 
The next week I see that the account had some drafts against it for overdraft fees and I went to the bank again and told them the account should have been closed and those drafts would have gone back to the vendor and they would have notified me but instead the bank paid them and charged me a fee for which they said would be reversed. 
The bank could not figure out how to reverse the {$36.00} overdraft fee. 
I sent my husband to the bank with the cash to pay the XXXX 's that were not supposed to be paid but alas, they were, and for getting the account closed. 
They still have not closed the account and other drafts have come through and the bank paid them instead of denying them as the account should be closed. 
I have since contacted all agencies that have that account and changed the XXXX 's. 
The practice of keeping an account open when told to close is should be illegal. 
Please advise.
Product: Credit card or prepaid card

i have 2 debit cards with netspend and they refuse to let me use the money that i deposited in my accounts with my money. Even after almost 20 attempts and verification that i am the holder of the credit cards they still will not release the restrictions on my debit cards to get my money. This has been going on for two whole days. Even after verification and i want criminal prosecution of this company i have my social security checks and XXXX loan XXXX  loan and stimulus checks going to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX and XXXX Account # 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
Product: Credit reporting or other personal consumer reports

This is my XXXX requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$3300.00} I tried to dispute and still nothing has been done to resolve this issue.
Product: Checking or savings account

On XX/XX/23 I made a withdrawal from my account at Chase Bank in the amount of {$100.00}. However, immediately after I left an additional {$900.00} was taken from my account via an additional XXXX transactions, taking the account to very nearly {$0.00} or as close as the standard withdrawal amounts would allow. 

Upon discovery of the missing funds I immediately contacted XXXX and requested a new Debit/ATM card and that they investigate the theft. I was sent a new card and given a temporary credit for the amount stolen. 

A few days later I was sent XXXX letters from XXXX. XXXX saying the temporary amount had been added to my account and another saying they completed research on the fraud and found that " the transactions were processed according to the information you provided or was authorized. '' Ostensibly saying that I must have authorized the withdrawal because the information I provided was used. I suppose this means the withdrawal was made using my PIN number, but no evidence was given nor further explanation offered. 

I called XXXX again, upon receipt of these letters. Asking that they, again, review the theft. Sharing this time that 1 ) I unequivocally did not authorize the withdrawals and 2 ) believe my loss in cases of theft is covered by multiple pieces of legislation and at a minimum should be maxed at {$100.00} 3 ) that they would find if they checked the lobby cameras that someone else must have accessed my account through the same terminal or at a minimum that I was not the person who did 4 separate transactions at the same time. The representative said they would open a new investigation. 

XXXX weeks later, on XX/XX/XXXX I received XXXX letters from XXXX with the exact some information from the first investigation. One letter saying that I was given a temporary credit and another saying the temporary credit would be taken back because " the transactions were processed according to the information you provided or was authorized. '' I did not authorize these XXXX withdrawals and I can not afford to lose {$900.00} at this moment in my life. It is unacceptable that a massive, international financial institution can not protect its account holders in this minimal way.
Product: Checking or savings account

I received an alert that someone tried using my personal information to obtain extended credit ( credit card ) from a personal USAA checking/saving account unable to pass the security questions. USAA pulled my XXXX consumer file without consent and proper authorization. My XXXX report was already had a freeze and all reports had a fraud alert at time this cyber-crime was committed on XX/XX/2022. USAA was contacted to further investigate. When I disputed the inquiry on my credit file, USAA claim the account was valid and refused. 

I received a letter dated XX/XX/2022, the person that drafted and sent the letter is unknown to USAA customer service and fraud dept. The fraud dept rep became hostile and unprofessional claiming she is not permitted to provide me with documentation used to open the account. 

USAA did confirm today XXXX that I am not eligible to open an account unless one of my parents was a member. USAA claim they are unable to provide me with any further information for investigation they will take care of the problem. I received no confirmation of the person and/or persons involved with opening an account in my name at a bank that serves the military. There must be an associated member attached to the fraudulent account USAA opened without my consent or proper identification.
Product: Credit reporting or other personal consumer reports

Equifax reinserted a previously disputed fraudulent account from XXXX XXXX XXXX  on my credit report without notifying me, violating the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies notify consumers within five business days if a previously disputed item is reinserted. This lack of notification left me unaware of the accounts status, depriving me of the opportunity to re-dispute or address the issue further. This lapse not only risks damaging my credit rating but also limits my ability to manage the consequences of fraudulent activity effectively. Moreover, Equifaxs data breach was a contributing factor to the fraud on my credit report, making their failure to notify me even more concerning.
Product: Debt collection

XX/XX/XXXX a letter was received by me from a collection agency claiming I owe an alleged debt of {$1700.00}. The name of this collection agency is " Creditor Advocates Inc '' and is licensed in Minnesota, and Wisconsin, while I have never lived in either state and have resided in Iowa for the past 5 years. I responded to the letter in about a week in compliance with the FDCPA. In response to this letter I request for verification and validation of the alleged debt per the FDCPA. Creditor advocates Inc failed to respond within 30 days to my request for validation of debt. Creditor Advocates Inc failure to respond to request is taken as this debt is false. 
On XX/XX/XXXX, I received a letter from attorney XXXX XXXX XXXX. This attorney is located in Iowa and licensed in Minnesota, Illinois, and Colorado. This letter was sent on behalf of Creditor Advocates Inc. This letter, sent seeks to intimidate, by being sent from an attorney, and requested the same alleged debt of {$1700.00} from XXXX, that Creditor Advocate Inc failed to respond to when I requested validation of this debt. 
Over two years has elapsed and Creditor Advocate Inc has failed to validate the alleged debt and respond within the requested time. Creditor Advocates Inc continues to contact me with the demand of payment. This companys continued contact is harassment, and has cost me time with my family for response, money, and stress. This continued contact is harassment, is in violation of the FDCPA.
Product: Checking or savings account

I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.
Product: Mortgage

We have opened a missing XX/XX/2021 payment investigation with XXXX XXXX XXXX that is still outstanding and not resolved despite it now being XXXX and having provided all the information requested. Previous cases just keep getting closed without notice and we have to reopend them only to find out they needed something else and we have then always complied. Also despite the investigation, we keep getting calls daily for late payment and even after telling the callers to stop calling as we have an ongoing investigation and they agreeing to do so, they keep calling for late payment almost daily. 

Our bank has provided them a copy of the check that was sent and cashed. The latest excuse was full banking statement was not provided so when I went to do so for all the months they requested, I found a sent email where I did previously sent them a full banking statement for XXXX. 

I feel the case keeps getting closed and we have to reopen it and nothing is getting done. I also feel the company continuing to call us despite this investigation for late payment is wrong.
Product: Debt collection

i HAVE CONTACTED ALL XXXX CREDIT BUREAUS AND FILED DISPUTES REFERENCING RESURGENT A CREDIT COMPANY WHICH BOUGHT AN ACCOUNT I HAD. APPARENTLY THE ACCOUNT WAS PURCHASED TWICE AND THE AMOUNTS ARE DIFFERENT. THEY ARE REPORTED DIFFERENTLY ON MY CREDIT AS XXXX DIFFERENT ACCOUNTS AND XXXX DIFFERENT AMOUNTS. I HAVE REQUESTED THE ORIGINAL DOCUMENTATION FOR THE ORIGINATION OF THE LOAN AND THEY HAVE NEVER PRODUCED SUCH. THEY JUST WAIT A FEW MONTHE THEN RESUME WITH COLLECTIONS. THEY HAVE GOTTEN MORE AGGRESSIVE MORE RECENTLY.
Product: Credit reporting or other personal consumer reports

my ex-wife Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used
Product: Credit reporting, credit repair services, or other personal consumer reports

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distress and inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous and misleading. 

Moreover, it is important to note that these inquiries and accounts have been reported without a permissible purpose. According to the FCRA, credit inquiries and account reporting must be conducted with a legitimate reason, such as in connection with a credit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. 

The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. 

I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. 

Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. 

I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g., 30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX  ; Experian and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

After again reviewing my consumer report I noticed the U.S Bankruptcy is still reporting on my consumer account after I requested a reinvestigation. XXXX stated that they validated the account. Per the FCRA 623 ( a ) ( 5 ) if the credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The ORIGIANL CREDITOR IN THIS CASE is the U.S Bankruptcy Court. The Bankruptcy court Sent me a letter stating they do NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. 

So please provide me the name of the person you spoke to at the U.S bankruptcy court, or provide me with any documents that was provided to you to validate this account. 

Public records information is NEVER validated by the Recorder of Deeds nor the U.S Court system due to the Fair Credit Reporting Agency Privacy Law. 

XXXX is breaking the law and are Committing Fraud as you have Never Validated or verified the public record. 

15 usc 1681a ( e ) An investigative consumer report is when any portion of which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Can you please provide me with the names, address, phone numbers of each neighbor, friend, associate that you interviewed as you conducted your investigation into this matter. 


Furthermore the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX are revoked. 

USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. ''
Product: Student loan

There are two issues Im having with Nelnet. First being that when I consolidated my loan their system mistakingly put me on the standard repayment plan when it should have been the extended repayment plan. The second being they took my first payment on XX/XX/XXXX when my first payment wasnt schedule until XX/XX/XXXX. They have send multiple emails showing {$0.00} due for XXXX and in my portal it has always shown a XX/XX/XXXX date as the first payment date. In them taking out the payment a month early I was not prepared to pay the {$540.00} out of my account and they ended up taking my car payment money and some of my mortgage payment money that I had in that account that will be taken out in a day or two. I have tried to call them at least 4 times for the consolidation thing and 1 time for the payment with no luck of getting through with hold times of 35 minutes, an hour, an hour and 20 minutes and an hour and 55 minutes today for having to hang up. Ive then tried to email them multiple times to address both issues and just receive back a generic email stating they arent responding to emails right now. With no reasonable way of getting ahold of them I havent been able to resolve anything. I also didnt receive an email notification stating a payment was coming up for the {$540.00} on XX/XX/XXXX or a payment confirmation email after they took it out which I believe is a mandatory thing they have to do as a servicer. It has been nothing but stress after I got transferred to them.