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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/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 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: Student loan

On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contaips the personalInformaion of millions of XXXX enrolled in the federal XXXX  aid program. My information was among that dataset that has been compromised.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis provides information to the different credit reporting agencies regarding public records, and background checks. LexisNexis is reporting a chapter XXXX bankruptcy on my report from XXXX which is now reporting on my three credit reports, and is ruining my credit. I have made dozens of attempts to correct this information, unfortunately LexisNexis is refusing to help me. They have only provided me a letter stating there " research '' shows it is correct. There " research '' is incorrect. 

First and foremost I filed chapter XXXX bankruptcy in XXXX, Federal Law prohibits filing chapter XXXX again within 8 years. So what they are claiming isn't even legal. In addition to this I also received a letter from the Superior Court of XXXX ( the same court, they are claiming this BK was filed in ) that letter clearly states it is an error, and goes into detail regarding the same Federal Law mentioned above. 

I will say in there defense the chapter XXXX is real, however it is my ex wife 's chapter XXXX so I can see how they are confused. But I believe considering the law, and the evidence I have provided them I believe they need to correct there error. And provide an update to all three credit bureaus. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is using my Personal information without Consent I'm a victim of identity theft this is not right this fraud needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX 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 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

- Found out our XXXX  account was closed -Found out my individual business debit card was to make unauthorized transactions -called my bank ; they had me bouncing from every single department they have and no one helped me fix the issue. 
-I have no access to our XXXX account to see the unauthorized transactions. 
-our company would like to file claims for the unauthorized transactions, reopen our account and make our deposit/transactions as usual. 
-we had no notice/alerts or any other warning of fraudulent transactions being charged to our companys account. Otherwise we wouldve taken action towards it.
Product: Bank account or service

I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.
Product: Mortgage

I received two postcard notifications in mid XXXX from the " XXXX XXXX XXXX  XXXX XXXX XXXX Settlement Administrators office informing me that a check representing a settlement award was mailed to me on XX/XX/XXXX and remains uncashed. 

In no way did I receive any such check/settlement awards. 

The notification also went on to say that if said checks was not deposited by XX/XX/XXXX, that the check ( s ) will become void and the checking account will be closed.

I immediately called, emailed and wrote the Settlement Administrator numerous times before the mentioned deadline dates, with no success nor responses.
Product: Student loan

Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















XXXX
Product: Student loan

Nelnet recently acquired my student loans. I applied and was approved for the SAVE program, with {$0.00} income due to being recently laid off. Under the SAVE program, I am entitled to {$0.00} payments, with no interest accrual, until the next re-certification period. Nelnet has sent an email on XX/XX/23, encouraging borrowers to make payments to avoid the accrual of interest. This is misleading and deceptive marketing and advertising, quite literally untrue, and creates pressure on the borrower, despite the fact that interest is not actually accruing. Other financial institutions would be penalized for such behavior and student loan issuers should be held similarly accountable. I implore the CFPB work with Nelnet to improve their marketing compliance program, and prohibit their predatory marketing tactics. Given the lack of traditional consumer protections surrounding student loans, consumers deserve straight forward information regarding their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it.

Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My reason for reaching out to your agency is that I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XXXX XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX XXXX on the behalf of XXXX XXXX XXXX XXXX XXXX a law firm to be exact. I am aware of the rights that I do have as a consumer. And as consumer, after you request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/2023 as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My Answer I requested certain information to be showed to me and still I have yet to receive that requested information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to a debt validation request in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company gave an potential employer wrong information. Said I was convicted of a XXXX in 2014. What the XXXX!!! Not true. That is not good at all. XXXX XXXX XXXX. On XX/XX/XXXX I received an email from this so called what ever company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about Experian not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX
Product: Student loan

Hi On XX/XX/XXXX XXXX,,,, I called Navient ( XXXX ) XXXX Student loan ( formerly Sallie Mae ) and I informed them about my difficulty of making payment and please I need forbearance until the pandemic is over. 

Prior the pandemic of Covit-19 I been making my payment on time with out any delay and established a great history as always making my payment on time. 

Going back to my call i told Customer service since i can not make this payment because of my unemployment status and can you please pause my payments without any late fees or can you please extend my loan period until this pandemic is over and SHE TOLD ME IN UPPER CASE THAT I WILL SUBMIT YOUR REQUEST BUT YOU STILL NEED TO MAKE A PAYMENT of small percentage of loan payment, which the loan is {$310.00} and we agreed only {$100.00}. So based on that i had no choice and made a payment of XXXX dollars on XX/XX/XXXX, which took away my food allowance money for my family. 

Few days later i received nasty, disgusting calls for collectors representing Navient which i had no clue it was a collectors and representing Navient, but soon after speaking to them and their tone i found out that they were collecting agencies, and you know these people have no mercy and no passion even at time of Covit-19. 

Today XX/XX/XXXX i was checking my account on line and i saw late fee charge for the month of XX/XX/XXXX = XXXX XX/XX/XXXX = XXXX total amount due for XXXX ... ... 

On XX/XX/XXXX i received another email indicating you need to make payment and your account is past due. 

on XX/XX/XXXX as a consumer i post a payment of only {$210.00} ... .. which this is all i can afford. 

This company is horrible and they have no compassion the way they treated me at the time of COVIT-19 ... .. what it really frustrates me THEY ARE NOT WILLING TO WORK WITH YOU EVEN IF YOU MADE YOUR PAYMENT ON TIME IN PAST AND ESTABLISHED A GOOD HISTORY WITH THEM.
Product: Credit card or prepaid card

On XX/XX/20 I used my citi simplicity credit to withdrawl {$300.00} at the XXXX XXXX at XXXX XXXX XXXX. The casino was having problems with their computer systems and couldn't get the transaction to go through. They tried 4 times to withdrawal {$300.00}. The casino assured me that the transactions did not go through but when I checked my account there were 4 transactions of {$320.00} ( total {$1200.00} ). I contacted citicard immediately and let them know what happened. I have been bounced around to security and the dispute department several times. The credits from XXXX XXXX XXXX have shown up on my credit statement but Citi has charged me 4 more times than they have credited my account. Most of the time when I call there I can not understand the person very well due to the language barriers. Twice I have spoken with someone and they assured me that they see the same thing as I do on my account and they will send this to the dispute department to fix. It is now almost 6 months later and no resolve. I do get emails stating that I'm over my credit limit and need to pay them over {$1000.00}. I'm afraid this is going to hurt my credit but I'm also hesitant to fork over {$1000.00} at XXXX time for a mistake that they won't even contact me to resolve. I have also recently gone to my account on line and all of my statement between XXXX and XXXX are no longer available for me to see. I would appreciate any help that you can provide. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am trying to link my bank account with the XXXX app which is where I pay my rent. But it said there was a problem linking the account and my rent is due tomorrow XX/XX/XXXX so this is very urgent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

I opened a citi bank account package on XX/XX/XXXX and there was a promotional offer for this account package, which is depositing at least {$15000.00} and keeping them in the checking account for at least 60 days and I will receive {$400.00} as a bonus. I have met this deposit requirement on XX/XX/XXXX but I still haven't received the {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. 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.

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: Mortgage

My FHA loan was previously owned/serviced by XXXX, and has been sold to LoanCare. I am a XXXX years old, XXXX, female that has applied for a loan modification with XXXX ( of which I am quite concerned there may be unauthorized default rates and charges ), which did not transfer over, I then had to re-apply again for a loan modification with LoanCare. I have diligently supplied all my financial documentation along with all of my daughter 's ( non-borrower contributor ) financial information, however LoanCare has denied my modification application with no explanation, figures or breakdown. I believe they are deceptive, and cut many corners. I have attached their response to my application, where there is no reason stated for my denial. How do I know they have calculated our income and expenses property. I have an FHA loan, there are certain guidelines they must follow, ( which I have researched extensively ) there is no way to see if they have accurately processed the application, because they did not supply a figure breakdown. This is outrageous, I have owned this property since 2001 and am a senior citizen XXXX female. I do not  want to lose my home. I have done the calculations and I DO qualify. LoanCare has failed to provide accurate calculation of ineligibility. I believe they are acting in BAD FAITH and have IMPROPERLY denied my application for a loan modification.
Product: Credit card or prepaid card

Accompanied with my monthly Capital One statement for XX/XX/XXXX - XX/XX/XXXX I received the customary personal information privacy statement, which allows me to limit the sharing of my personal information. This document has been disseminated in ALL consumer credit card statements for AT LEAST the past decade. I called customer care on XX/XX/XXXX at XXXX MST and when I asked the associate to update my privacy preferences he had absolutely NO IDEA what I was talking about. Furthermore, this person failed to follow my instructions and cold transferred me, instead of warm transferring me, so my account needed to be verified yet again. So aggravating dealing with poorly trained employees from a non-US based call center. The second associate also did NOT know what I was referring to and put me on hold for nearly 10 minutes to look for help. After spending over 32 minutes on the phone in order to complete this very simple task, as is afforded to me by law and my credit card agreement, I was UNABLE TO UPDATE MY PRIVACY SETTINGS so that Capital One can not share my personal information with ( 1 ) Affiliates for everyday business purposes ( 2 ) Affiliates to market to me ( 3 ) Non-affiliates to market to me.