23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a Robin Hood account and I have a spending account with them and my debit card was lost or stolen and fraudulent transactions happened in that time period they denied me a refund but I did not have fault in this I do not know how someone can steal my information and use it they emailed me and denied me a refund when I should not be charged for something they could have stopped after multiple declined transactions they still let others go through and let these people steal my money Case ID : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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: Student loan

On XX/XX/XXXX, I contacted Nelnet in regards to what my repayment options were for my student loans. The representative asked for my updated contact information, which I gave them. After explaining what my repayment options were, I was emailed an application for income based repayment and told that it would be pre-filled out with my current contact information. 

Later on that day, I received the application as the representative stated with the correct contact info, filled the rest of the form out and sent it back via email. 

For the following 4 months, all of my loans remained in good standing and were listed as current on my credit report. Flash forward to just a week ago and I find out that I am suddenly 2 months behind and have negative marks added to my credit report due to both XX/XX/XXXX and XX/XX/XXXX payment statuses being reported as late. I had no idea I had fallen behind since I had not done anything differently on my repayment since first contacting them in XX/XX/XXXX. 

When I contacted Nelnet again on XX/XX/XXXX, the representative I spoke with read off the wrong contact information to me when we connected on the phone. I once again gave him the correct info and he relayed to me that the reason why my payments were marked as late is because they did not have updated contact info for me. 

I let him know that I had electronic proof of them having the correct contact info from the pre-filled form they sent me back in XX/XX/XXXX. He apologized and told me there was nothing he could do to remove the marks on my credit history and once again forwarded another application on to me to fill out. 

I once again filled out another income based repayment application and sent it to the proper email address as instructed. It is presently XX/XX/XXXX and I still have not heard back from Nelnet about what my repayment options are. I'm extremely worried because I do not want to have any additional negative marks added to my credit report and I am making the effort to communicate with this company to responsibly resolve my debts. 

I contacted Nelnet again on XX/XX/XXXX via chat about once again disputing the information posted on my credit report and the representative I spoke to even gave me another address they had listed for me that was incorrect and had never been one of my former addresses. He also told me there was nothing he could do to correct matters and that I'd have to type up a letter and fax it to the disputing department. 

Seeing that I have made attempts to contact Nelnet and have proof of them messing up my contact info, I am requesting these two derogatory ratings be lifted off my credit report due to their own errors in updating my records. I should not have to deal with a drop in my credit score because of something they did incorrectly.
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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax issue involving 145 million people. Confirmed with Equifax that my information was compromised.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/year>
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 XXXX ( XXXX XXXX XXXX XXXX Account Number : 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 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 XXXX 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: Credit reporting or other personal consumer reports

I'm trying to get my free credit report but the site is not working and gives me an access denied error. I've talked to some representatives and they said to file a complaint. I'm living overseas right now so I think I'm being XXXX blocked. 

I'm also having trouble getting my free XXXX score as most sites require a sign up and a XXXX phone number, which I don't have. 

I have the same issue trying to verify my IRS account... is there a way around this? 

How can I get a valid XXXX phone number overseas ( XXXX )? A lot of sites seem to require it. I'm unable to apply for banks, credit, loans, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX  XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts In accordance with the Fair Credit Reporting act XXXX accounts, 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( XXXX ) and included with this letter. 
In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : See FTC report in attachment I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC. 
These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-complian ce ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. 
I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

It has come to my attention that items previously deleted from my credit report have been reinserted without following the legal requirements. Specifically, you failed to provide written notice of the reinsertion within 5 business days as mandated. Additionally, you did not certify that the reinserted items were accurate and properly validated, according to the statute. Under 15 U.S.C. 1681i ( a ), you must complete reinvestigations within 30 days and ensure that any inaccurate or unverifiable information is immediately deleted from my file. I demand that you remove these items from my credit report without further delay. Failure to address this issue promptly will leave me no choice but to seek legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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: Debt collection

XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX  who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} LXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Debt collection

On XX/XX/ from Pinnacle Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Left Voicemail Message ( XXXX ) XXXX Account # XXXX Due to XXXX XXXXXXXX XXXX had to adjust payments to XXXX XXXX. In XXXX  all insurance from XXXX XXXX XXXX XXXX as paid to XXXX XXXX XXXX XXXX. I have paid my full out of pocket and XXXX covered all other medical costs including any appealed items. 

As of XX/XX/ I was told my total amount due is {$75.00}. 

I should not receive any collection calls or letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ i paid off this account but it ; s still showing that iowe a balance
Product: Credit card

I received from my employer on XX/XX/XXXX a letter indicating they were required to withhold from my check 25 % of my disposable earnings until my debt is satisfied. They were directed to withhold {$10000.00} in total from my wages. I contacted the attorney representing the plaintiff but {$500.00} was taken out of my account on XX/XX/XXXX. They were successful in taking another {$500.00} on XX/XX/XXXX. I had this credit card more than XXXX years ago. I believe it was closed in XXXX or XXXX. A Default Judgement was issued in XX/XX/XXXX. 

1. The statute of limitations for the credit card debt is closed. 2. I previous lived in XXXX  that has 4 years of open-ended accounts statute of limitations. I moved to XXXX in XXXX  that has a statute of limitations of 5 years. The debt is a time-barred debt, therefore no longer legally collectible because the statute of limitations has run out. 3. I am certain at least 30 days would be required for us to settle this matter before funding could be garnered out of my account. 4. I am quite certain the credit card in questioned had a credit limit of {$2500.00}. And, 5. The information submitted to the court was dated XX/XX/XXXX. I had a XXXX in XX/XX/XXXX. I did not move to the address on the paper work until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681b , and 15 USC 1681e ( b ). The issue concerns the inaccurate reporting of charge-offs on my consumer credit reports by Transunion.

On XX/XX/scrub> 2024, I discovered that the account XXXX XXXX XXXX XXXX XXXX has incorrectly reported as a charge-off on my credit reports. 

On XX/XX/scrub>, 2024, I formally disputed the incorrect information with both the credit reporting agencies and the creditor, requesting an investigation and correction under 15 USC 1681i.

Despite my dispute, the creditor continued to report incorrect information, in violation of 15 USC 1681s-2, which mandates that furnishers of information must correct and update inaccurate information. Specifically, the account status is listed as a charge-off, which is incorrect. Additionally, key account information and balances are missing or incorrectly reported. 

The incorrect reporting has negatively impacted my XXXX XXXX and has caused me undue hardship in obtaining credit. The incorrect account status also violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain maximum possible accuracy in their reports.
Product: Debt collection

I received a call from Halstead financial services from XXXX The caller repeatedly hung up on me before I got a woman named XXXX told me that I was in dept and I need to pay it because I 'm in the last stages before legal action I ask to speak to a manager she said the manager would call me back demanded to speak to one right away they gave me to a woman named XXXX she told me all the information on the account none of it is my information but the name they got my number and address from a skip trace of some sort
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for identity theft/fraud and requested that the information be removed or blocked. They refused to do. I filed a complaint with the CFPB last week and experian updated the dispute today indicating that the information had been verified however when i called they said it was ongoing and they wanted me to submit a police report or FTC report to which I had already submitted to them as well as attached to my CFPB complaint from last week. When i spoke the rep today he indicated initially he saw both the ftc and CFPB complaint however then he said he only saw the CFPB complaint and couldnt remove the account without a police report or FTC report. I tried to submit the documentation with the experian.comXXXX  site however after two tries that were unsuccessful i tried using the experian dispute option thru the app and website and that didnt work and the only other option was mail which i am not doing as i am not waiting anywhere near that long. 

So i am submitting yet another complaint and dispute about the issue as well as i spoke to another rep in the fraud dept. who detailed all of this including my intentions to file a lawsuit for FCRA violation if the account is removed within 48 hours. I have been beyond patient. So if Experian wants to waste the time and money going to court im all for it. 

Account in question is listed a collection : XXXX XXXX  XXXX Original creditor : XXXX Date Opened : XX/XX/2021 Balance : {$5500.00} I am also adding XXXX in this as well seeing as I just checked my report with them and it still has yet to be removed as well. So they have the same timeline before i file suit.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$17.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$200.00}