23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have applied for the SAVE program and selected the option of deferment for {$5.00}, as the application explained. 

I received two emails from Nelnet, one when the application was put in, XX/XX/2023 saying nothing further is needed from me, and one on XX/XX/2023 stating that my application is in process and they will reach out to me if anything is needed and/or in ten days. 

I have received one further email which was not in regards to my application, but to my billing statement. My first payment is due on XX/XX/2023, for {$420.00}. I am unable to make this payment. I was pulled off of the deferred status I was in to apply for the SAVE program. I have checked all email folders for any subsequent attempts of communication, and there were no attempts. 

I emailed them over a week ago to determine what is going on with my application and have received no reply, nor confirmation of aforementioned email from them. I have attempted calls, but wait times are currently over 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and Equifax. I filed a dispute with both XXXX and Equifax to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Product: Mortgage

My brick was messed up from the hurricane in XXXX of XXXX My lawyer got us a settlement and my portion of it was $ XXXX. I received $ XXXX. This new mortgage company that took over in XXXX has held the remaining XXXX XXXXXXXX requesting other repair documentation before releasing funds. I explained that this was a settlement and not just a repair check. Now its almost two months and they arent budging. I requested to hire an inspector but they need documentation first. I still owe my brick contractor $ XXXX and he will put a lien on my house if something dont happen soon.
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( Equifax XXXX XXXX ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ).

Reporting unverifiable items as verified without proper substantiation.

2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or
abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]
Product: Credit card or prepaid card

Comenity Bank 's contract with XXXX expired XX/XX/19. Comenity closed all of their XXXX credit card accounts. I was late I admit a couple times and comenity kept adding extra fees to the account. I was making my monthly payments as agreed, but they were still charging interest and fees as if the account is still open, so the balance kept rising instead of going down. I contacted them and questioned it and by then the monthly payment was higher and I told her I couldn't afford what they were asking that I could pay my original {$25.00} mo. Long story short. My balance was under {$500.00} when my account was closed it is now {$730.00} and they want a min. of {$180.00} mo. due on a closed account so I couldn't pay it. I will be glad to pay what I owed when the account was closed. How can comenity close all of their accounts when their contract ended and charge you ridiculous fees? Its gouging the consumer.
Product: Credit card or prepaid card

The claim number for dispute with netspend is XXXX This was reported to the police as soon as i was aware of the unauthorized charges o my Transact XXXX prepaid card by Netspend in the month of XX/XX/2020 because of the restrictions i was at home in quarintine at the time of these charges it was mandotory due to covid 19 restrictions my claim was denied any errors because the XXXX XXXX says i used my card which is false i was in XXXX XXXX Ca and no my card booked this room online as the charge says XXXX XXXX XXXX XXXX in XXXX Ca did not have me as a guest and someone stole my card information i filed a idenity theft report for this account with the ftc idenity theft the charge was for over {$600.00} i want my money back on my account i am a victim of fraudulant charges and i should not be charged according to the goverment we were told to not travel thats what i did i stayed in XXXX XXXX Ca i filed a XXXX XXXX police report as well. my netspend account is XXXX
Product: Debt collection

XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed information on my Experian consumer report with respect to incorrect information about my accounts ( attached ). Experian acknowledged receipt of my dispute by initiating a dispute of XXXX XXXX XXXX ( results dated XX/XX/2020 XXXX and declining to investigate XXXX XXXX XXXX in a letter dated XX/XX/2020. However, I have not been notified of Experian 's actions with respect to my other two disputes contained in the same XX/XX/2020 letter on page 2 ( XXXX XXXX  and XXXX XXXX XXXX. I attached relevant information of my disputes with XXXX XXXX  and XXXX XXXX including court records.
Product: Bank account or service

I recently checked my credit report and noticed a Hard Inquiry from CBNA on XXXX/XXXX/2016. I was incarcerated and was not released until XXXX/XXXX/2016. XXXX told me they could not remove the unauthorized inquiry, that I would have to contact CBNA. I contacted CBNA and very clearly explained I wanted the inquiry removed. It was not made or authorized by me and it is a criminal act to run someones credit without their consent. I was told by " XXXX employee # XXXX '' that XXXX would have to contact them. I explained I simply want this removed. It is not my responsibility to contact anybody besides who made this inquiry. I asked for a supervisor and was given a phone number to what I was led to believe was another Citibank office. It was a phone number to the FTC. After talking with them it was agreed upon that this is in fact illegal, and I should file a complaint with CFPB.
Product: Mortgage

I spoke to a mortgage specialist at USBank on XXXX about refinancing my existing FHA mortgage. After submitting my details, I was quoted an interest rate of 3.25 % and approx. {$2700.00} in USBank closing costs. I asked the specialist to proceed with an application and to provide me with a loan estimate sheet by email. On XX/XX/10, I had not received the loan estimate. I called USBank to check on the status of the application and the loan estimate, I was told the 3.25 % interest rate was no longer available and my application could not be processed as quoted. However, I confirmed USBank did initiate a hard pull to my credit report.
Product: Debt collection

I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : 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 or other personal consumer reports

XXXXXXXX XXXX  Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a checking account at US Bank on XX/XX/2023, with the promotional code " XXXX. '' In US Bank 's then advertisement ( archived in https : XXXX ), I would received {$500.00} bonus on XXXX conditions ( XXXX ) enrolling U.S. Bank XXXX App within 90 days of the account opening, and ( XXXX ) direct deposits of total {$10000.00} within 90 days of opening this account. 
I enrolled their mobile app immediately and complete the direct deposits of {$12000.00} by XX/XX/2023 ( please see the attachment ). 
The {$500.00} bonus has not been given to my account by now. 

I've called US Bank XXXX XXXX. During the first XXXX times, I was told by the representatives that all conditions had been met and " I just have to wait. '' The fourth time, however, the representative claimed that I was not qualified the the bonus, because the direct deposit was made in XXXX, when the promotion had ended. After I refer the representative to the timeline in the terms to correct their wrong-claiming, the representative said US Bank would open a ticket and respond to me request in XXXX week. 
Now it has been XXXX weeks, and no one from US Bank has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Truist Bank ( Formerly LightStream ) Acc. # 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 an account without my written instructions 15 USC 1681s-2 ( a ) ( i ) ( a ) - Responsibility of the Furnishers on my Consumer Reports 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) - the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXhas violated my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX County Office of Child Support Enforcement and The State Dispermemr Unit sent funds to an account that was closed with Bank of America on XXXX XXXX. I have been working with a supervisor at XXXX to locate the funds and have been unsuccessful. It has been almost 4 months now and they have yet to resolve this error and issue the funds to me. The case was closed for over 6yrs and BofA has no open accounts for me and no one can find where the funds went.
Product: Mortgage

I have multiple loans with Loan Depot and have had for years. I moved banks earlier this year and forgot to update my autopay to my new bank account, loan payment was returned, I immediately made a new payment and updated auto pay that cleared. In XXXX on one of my mortgages, I made payment but when presented was returned ( had made purchase with debit card, however the merchant processed 5 times in error ), so it held 5 times the amount causing my payment to be returned, I was notified transferred funds from savings and made replacement payment that also cleared ; subsequently Loan Depot put me on certified funds payments only. I am traveling for over a month and had no way of getting to bank to get a cashier 's check to get mailed out as I didn't know any of this until mid afternoon on Saturday. I called my mortgage broker and she suggested making a payment through my bank as long as it was electronic, so I did. I made my current payment with my bank ( XXXX ) and the fees with the return item in XXXX, both went out and cleared paying what was due. Loan Depot received but didn't credit my account and said they were returning via check next week both payments as it was not certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this collection company to validate this debt they were unable to provide adequate validation. This is not a valid debt. I do not owe that company that money and I have also filed a dispute with the credit bureaus at the same time that I was requesting debt validation and they responded to the credit bureaus which is also a violation. I would like to have this account removed from my credit reports because it is not a valid account and I do not owe this money.
Product: Mortgage

My property is in Deed of Lieu and they are claiming that I have missed fourteen payments. I have not missed any because I have re-modified my loan. Could you please correct this on my XXXX and XXXX reports. The account number is XXXX.
Product: Vehicle loan or lease

i got a title loan around covid time now the title company is not doing titles any more they are trying make me go to another loan company to get them to buy my title from them back and thats putting me in bigger debt i cant afford it
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and validation of a bankruptcy entry reported on my TransUnion files that was verified as accurate by on XX/XX/XXXX. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Gramm-Leach-Bliley Act ( GLBA ). 
Disputed Bankruptcy Information : - File number : XXXX - *Bankruptcy Case XXXX - *Filing Date* : XX/XX/XXXX - *Status* : XXXX through Bankruptcy XXXX  XXXX Basis for Request : Fair Credit Reporting Act ( FCRA ) Compliance : 1. Accuracy and Completeness : Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The bankruptcy entry in my TransUnion file must meet this standard of accuracy and completeness.

2. Reinvestigation Requirements : Pursuant to 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of any item of information in their file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. I am requesting detailed information about the reinvestigation process conducted by TransUnion regarding this bankruptcy entry.

3. Unverifiable Information : According to 15 U.S.C. 1681i ( a ) ( 5 ), if, after a reinvestigation, the disputed information can not be verified, the consumer reporting agency must promptly delete the information from the consumer 's file.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Compliance : 1. Deceptive and Unfair Practices : The reporting of inaccurate or unverifiable information may constitute deceptive and unfair trade practices under FDUTPA, Section 501.204. TransUnion is required to ensure that all reported information is accurate and fair to prevent consumer harm.

Gramm-Leach-Bliley Act ( GLBA ) Compliance : 1. Privacy and Safeguards Rule : Under the GLBA, 15 U.S.C. 6801, financial institutions are required to protect the privacy and confidentiality of consumer information. The reporting and verification of my bankruptcy must comply with the GLBAs Privacy and Safeguards Rule to ensure the protection of my personal information.