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

On XX/XX/24 my car was stolen along with my wallet. I notified my bank as soon as I was made aware of the fraudulent activity to report it and use the lock feature. They said they couldnt file a claim yet, but to call back once the money had posted. At this point, a police report had already been filed. On XX/XX/24 the claim had been made. On XX/XX/24 I went into a physical regions location to get a new card but they said they werent able to do it at their location and I had to go to another branch. I went to a different branch a day or so later to retrieve a new card. The bank said on XX/XX/24 that they closed the claim out because I had told them that I was the one who used the card at the gas station, I authorized the charge and that I still had the card in my possession. I never said any of that and Im happy they have it on recording if you need to request it. What do I need to do to reopen this claim to get my money back? Regions will not open another claim for me. I have a police report, I reported my card stolen multiple times with the police as there is a supplemental report as well and with the bank.
Product: Debt collection

******NOT A DUPLICATE*********** I do not have a signed contract nor any contract with Portfolio Recovery Associates . I have never done business with this company. I am not liable for the collection from this debt from XXXX XXXX Bank. I am not responsible for any debt with Portfolio Recovery Associates. On XX/XX/XXXX I have disputed the two accounts with PRA. PRA still fails to provide VALIDATION or a CONTRACT which holds me liable for these debts. I have attached documents that are sent to me which may VERIFY where the debt originated and give info on when PRA acquired the debt however they still fail to VALIDATE that this belongs to me. No signed contract only a single credit card statement that shows the balance in question. No full history of the account showing how it originated. This debt does not belong to me. Portfolio recovery also has now said that they refuse to process any disputes regarding these accounts which seems to be a violation. As a consumer I have the right to dispute accounts which I believe are fraudulent especially when it has not been proven to belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already had a Best Buy credit card, and when i XXXX  to a new state I did not get a new card in time. They have a cool feature that if you give them your social they can look up your card info and charge that Bestbuy card digitally. The person ringing up my items tried to get another card in my name, or just negligence on his part but he ran another credit card resulting in a bad pull. I was denied obviously since I already had a card, but the inquiry will not drop off for two years. I have emailed citi Best Buy services during the time of XX/XX/2022. They told me it would take 90 days for them to respond to the claims. Ive been trying to reach them for months with no updates, and the hard pull is still on my record.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Student loan

Im writing today regarding an ongoing issue I am having with the Department of Educations Public Service Loan Forgiveness program and my federal loan servicer, Nelnet. As an XXXX employee, I am eligible for this program. When former XXXX XXXX signed the law into effect in 2007, I called Nelnet to verify I was in the right program to qualify for loan forgiveness after 10 years of service and XXXX payments on an income based payment plan. Nelnet assured me I was in the correct loan and correct payment plan to qualify. I even called a few extra times throughout the past 10 years to verify everything was still in order. Once again they assured me it was and everything is correct. 

About a year ago I called Nelnet and they told me Im in the wrong type of loan and I dont qualify for the federal loan forgiveness program. Ive tried everything to try and get Nelnet to take responsibility for their mistakes for providing me incorrect and misleading information over the years. They have even acknowledged that I called when I said I did and have records indicating the reason for my calls. The customer service representative on my most recent call admitted they made a mistake and that the program was new and they didnt have proper procedures in place to manage the program. Now they have a whole department that handles it. Even after they are apologizing for the situation and apologizing to me, they claim there is nothing they can do. 

I still have a loan balance of {$20000.00} that should and would have been forgiven if not for their error. Im very frustrated with the entire situation and I dont know what recourse I have. I feel I did everything I could have done in order to assure I would be able to take advantage of the program benefits I am eligible for and entitled to. 

Furthermore, Nelnet deceived me into changing my repayment plan to the Graduated payment plan. This stretched my repayment period as long as possible while still qualifying for the federal loan forgiveness program. Which turns out I wasnt in the right loan category after all. This is costing me more money than it originally would have under the standard payment plan I was in before calling XXXX XXXX, XXXX. 

I am writing to your office to seek help in resolving this issue. I feel Nelnet is mismanaging federal loans on behalf of the Department of Education and taking advantage of individuals in Public Service.
Product: Debt collection

Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX
Product: Debt collection

This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, XXXX, and Experian in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
Product: Credit reporting or other personal consumer reports

Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Please Update my address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

i did not oprn this account under setion 605 b remove now thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/PAYPALEXTRASMC  Inquiry : XX/XX/XXXX JCP also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
Product: Money transfer, virtual currency, or money service

Venmo froze my account permanently with {$340.00} in my account if my money and refuses to let me withdraw these funds and will not respond to my emails or answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with TransUnion, XXXX, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with TransUnion, XXXX, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in XXXX DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Credit reporting

XXXX aka '' XXXX '' shows on both XXXX as well as XXXX that i have an eviction twice showing on my name that was recently placed back on my name after the discharge of the debt, and i never received an eviction for this property. This is an illegal eviction if such papers were filed after me leaving the subject property. The debt was discharged but had no knowledge of any evictions at this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to update my contact information. I have requested several times by phone, mail, and fax to update my contact information. 
XXXX XXXX does not have physical locations to personally ID people to transfer service from one home to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to respond to several disputes submitted to them on the following dates : XX/XX/18, XX/XX/18, and XX/XX/18 it is currently XX/XX/18. Equifax also failed to notify consumer within 5 days for an additional 15 days of time. Here are the following tracking numbers for XX/XX/18 XXXX, XX/XX/18 via XXXX XXXX, XX/XX/18 XXXX none of these disputes have been responded to via mail or any other form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, Equifax and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 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. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent money to someone through VENMO in the amount of {$1300.00} that turned out to be fraud. 

Venmo said they could not help and proceeded to pay out the fraud/scammer. They agreed to " investigate '' but in the meantime have done nothing for 2 weeks. Their customer service team passes me to account specialists who pass me back to customer service and " supervisors. '' They have been taking me in circles this whole time. 

I had to call XXXX XXXX  XXXX to block these charges. Meanwhile, my friends on venmo sent me money without knowing about my account investigation. VENMO proceeded to take that money ( {$200.00} XXXX to pay themselves back. Today, Saturday, XX/XX/XXXX, another friend paid me {$50.00} for a birthday collection and VENMO proceeded to steal that from my account, and sent me a bill saying " by the way, you still owe us {$1000.00} from the previous charge '' with no update on the fraud investigation. 

Anything that hurts their bottom dollar they are quick to to chargeback customers, but anything that they may owe goes through weeks of investigation.
Product: Payday loan, title loan, or personal loan

I received a loan from advanced 24/7 in XX/XX/2017. I am a disabled individual that lives on a fixed income. I did not realize that getting this loan was going to put me into a viscous cycle of having to borrow from this loan to make ends meet because the payment on the loan was extremely high. Especially seeing as I make only a little over $XXXX a month. The percentage rate for the APR on the loan is ridiculous at 279.5%. I am not able to pay the $XXXX that they are asking per month and buy groceries, my medication, toiletries, etc that are needed for me to live my life.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX || XXXX XX/XX/XXXX XXXX XXXX || XXXX XX/XX/XXXX XXXX || XXXX XX/XX/XXXX XXXX XXXX || DATE- XX/XX/XXXX XXXXXXXX || DATE- XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronics Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern 's about the consumer protection laws, and i request your assistance in investigation this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

I requested a complete and fully executed set of documents pertaining to our loans because I discovered that we were not given copies of all documents. I learned this when Mr. XXXX read from a screen information that was never disclosed to us. Flagstar emailed partial documents that are not fully executed. I requested a fully execute set again and Flagstar has refused to provide me with a fully executed set. Instead, it claims it sent a set of the documents to me already. In reards to the incomplete docs that Flagstar emailed, there are missing signatures and amounts as well as the Broker Commission disclosures. Further, all Disclosures that were prepared by Flagstar bank for us to sign were not included. I have requested a complete and fully execute set of any and all documents that pertain to our loans more than three times and as of today, XX/XX/19, Flagstar has not provided a satisfactory set of copies.
Product: Debt collection

On XX/XX/, I made a payment of {$2400.00} to ProCollect Incorporated. Subsequently, they assured me that they would remove the associated debt from my credit report.Certainly, here 's a template for a complaint letter to a debt collector requesting the removal of a paid debt from your credit report.I kindly request that you promptly investigate and correct this matter by removing the debt from my credit report. Furthermore, I expect written confirmation from your agency once this correction has been made.