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

Nelnet/US Dept of Education is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. FERPA clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the three major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the Dept of Education and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me. 

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone. 
Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Product: Credit reporting or other personal consumer reports

I ASKED THAT MY NAME REFLECT ONLY MY BIRTH NAME INCLUDING MY SUFFIX THAT IS LISTED ON MY DRIVERS LICENSE AND SOCIAL SECURITY CARD, BECAUSE MY FILES ARE ALWAYS GETTING MIXED WITH OTHERS THAT SHARE A NAME SIMILAR TO MINE.
Product: Debt collection

Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. 

I would appreciate any help that I can receive.
Product: Money transfer, virtual currency, or money service

Despite many telephone conversations with their " technical support team " they are unable to operate the TV boxes. When I asked to send XXXX  TV technician to my house to fix the problem, their answer is that all the problems are solved via telephone .FYI all the phones calls are directed to XXXX not in the XXXX of that I have sent back the 3 TV boxes and cancelled their service in XX/XX/XXXX.All the details are included with the package sent to Capitalone bank to backup my complaint.Capitalone is the one who failed to protect my rights and kept credit my account one day and debit my account in the next transaction.This situation has been going on since XXXX until now as I am typing this message.I am retired and my only source of income is from my social security and this situation has created a very serious impact in my income. 
Looking forward to your help. 
Sincerely yours
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under fair credit report act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unfavorable accounts unresolved. The consumer financial protection bureau has recent filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishings, acceptable unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, when Equifax has neither corrected or removed despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 : {$670.00}.
Product: Mortgage

I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Checking or savings account

Subject : New Complaint Regarding Chase Bank - Prolonged Hold on Company Funds ( Over XXXX Months ) Dear Consumer Financial Protection Bureau, I am writing to file a new complaint regarding an unresolved issue with Chase Bank, building on a previous complaint that was closed without resolution. My company, XXXX XXXX XXXX XXXX, has had funds totaling {$48000.00} held by Chase Bank for over XXXX months, severely impacting our ability to operate. 

Background : Following my original complaint XXXX, a representative from Chase 's back office department, XXXX, contacted us and assured us that the issue had been resolved, and that a cashiers check would be sent shortly. However, instead of receiving the check, we saw the funds deposited into our Chase account on XX/XX/2024. Initially, we believed the matter had finally been resolved. 

Unfortunately, just XXXX day later, on XX/XX/2024, our account was restricted again due to Chase 's internal systems mistakenly flagging the funds as suspicious. Despite numerous attempts to explain that the funds were deposited by Chase 's own back office, the customer support team has not been able to resolve the issue. 

Since then, the account has been permanently closed, and the funds are once again being held " under investigation. '' This has created an endless loop of account closures and restrictions, with no resolution in sight. Our company urgently needs these funds to pay salaries and suppliers, and this ongoing hold is causing significant financial harm. 

Attachments : Screenshots of the deposited amounts. 
Screenshots of the restriction notice received on XX/XX/2024. 
Email from Chase stating that they are going to close the account.

Request for CFPB Action : I respectfully request that : The CFPB reopens the investigation into Chase Banks handling of our funds. 
The CFPB ensures the immediate release of the {$48000.00} currently held by Chase Bank. 
Chase Bank provides clear communication and a resolution timeline to prevent further delays. 
The repeated account closures, contradictory information from Chase 's departments, and prolonged hold on these funds are causing severe operational difficulties for my company. We kindly ask for your urgent assistance in resolving this matter. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Debt collection

I rented a car for a trip back in   XXXX   XXXX   XXXX     from   XXXX   XXXX   XXXX   XXXX  . I had the car for  two weeks. During the duration of having the rental there was a small hail storm. Upon turning in  the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received  XXXX  collections  XXXX  in the amount of {$1100.00} and  XXXX  in the amount of {$230.00} from  Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as   XXXX   XXXX   XXXX   XXXX  .
Product: Student loan

Unfortunately, I do not have exact amount and online payment history is limited to just the past three years.

Throughout the years of repaying Discover Student Loans, I had various unexpected costs that occurred that prevented me to pay Discover Student Loans. Whenever I would call to make arrangements, I was always presented with pay in full or utilize one of their several entrapping forbearance or payment pause solutions. 
My student loan payments with Discover started around the upper {$500.00} to low {$600.00} range and now increased to nearly {$1200.00} per month. 
After a few financial situations throughout the years when I would contact Discover for relief, I figured it out that their plans hurt me long term more than help. But trying to increase and/or preserve my credit score, I would obliged to Discover 's entrapping solutions. Nearly each time I would discuss matters with Discover, representatives would pepper me with questions regarding my student loans with other companies and would advise me to discuss relief with my other providers rather than Discover discuss my loans as my bill with Discover was three to four times more than my other loan providers and is now currently six times more.

When I would advise Discover my other loans were manageable and that Discovers loans were most troubling, Discover representatives would attempt to direct me to my Federal student loan provider. Again, when I advise my Federal loans payments are my lowest payments and most manageable, Discover representatives would then discuss ways to " help '' me. Per usual, the help was either pay in full or utilized one of their forms of forbearance. 
When I would ask is there any other method that decreased payments while also preserving the credit score I was attempting to rebuild, I would be told no.

I further questioned if I am having difficulties paying the amount owed at the time and monthly payments would increase once the program ended in a few months, how does it help overall. Of course they advised of the immediate " benefit '' but would be told those are the only options. 
Fast forward years later of attempting to stay afloat, I find myself in dire financial straits and owing nearly $ XXXX  month and exhausting every money option to stay afloat. 

Discover Student Loans should be held accountable for their predatory practice.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

FIRST CARD SERVICES Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. - As a consumer by law this account must be DELETED immediately.

Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated.
Product: Credit card or prepaid card

I recently got a Chase Amazon credit card back in XXXX. On XX/XX/XXXX I realized that I still had not received ANY paper work including an invoice from Chase Amazon card services. I contacted them on XXXX. I spoke with a representative who apologized and deducted the {$25.00} late fee that was applied to my account. She informed me that my account was in good standing and that I should see my XXXX Statement soon with the payment being due on the XXXX of every month. 

On XX/XX/2019 I tried to make a purchase at a car service business and my card was declined. I called Chase Amazon Card Customer Service and spoke with the manager- XXXX XXXX She told me my card was declined due to non-payment. I explained to her that I had never received a statement or anything from them and could not make the payment until I did because it was a new account and I had never made a payment with them before. She basically told me Chase couldn't do anything about my Non-payment status and until the payment was received it would be declined. 

This is absurd, considering it is of no fault of my own that the payment was not received. I explained to her that if they had my correct address which they are confident they do, then I would have received my invoice just like I received my card initially. I don't feel like the non-payment status is my fault and I feel like I am being punished for their mistake. I am seriously considering closing this account and opening a new account with a better company. I am not happy.
Product: Credit reporting or other personal consumer reports

Last week I submitted a complaint regarding COLUMBIAN DEBT RECOVERY. To reiterate, I felt that they never properly notified me, before reporting the debt to all 3 credit bureau 's. They reported on XX/XX/XXXX of XXXX, I did not receive initial letter inquiry until XX/XX/XXXX Via email. So by then, they had already started the credit reporting process before giving me the proper time to dispute or act on the debt. According to their email, the debt was assigned XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received no calls, emails, letters, etc. any form of communication. On the email, they listed my address as " XXXX XXXX XXXX XXXX '' In the city of XXXX in Arizona. Not only was I not living their at the time, I never lived their at all. I will attach a temporary drivers license that I ordered in XXXX of XXXX at the time. I had been living at this address for 3 months at this point. So They can not say I ever received letters from them. I also submitted an inaccuracy with all three bureau 's and XXXX is not properly taking the time to truly investigate. They received dispute via mail on XX/XX/XXXX and already have the dispute marked as complete. XXXX and XXXX have not done this yet so far, but XXXX is not doing as requested. Instead of trying attempting to investigate the inaccurate delinquency or delete the item, all they did was just erase the Delinquency date altogether.
Product: Checking or savings account

In XX/XX/XXXX, I inadvertently deposited a check from XXXX XXXX XXXX XXXX XXXX XXXX and made payable to XXXX XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$2900.00} ) Dollars into my personal checking account with Capital One. 

I am the owner of XXXX XXXX, a Rhode Island XXXX XXXX XXXX. I inadvertently deposited the check into his personal Capital One account instead of his business account. Funds were not available at any point after the deposit and CapitalOne froze my account. I immediately called Capital One and was provided a case number. The case number is XXXX. I called customer service several times referencing the Case Number and was told they were investigating the issue. 

In XX/XX/XXXX, my account opening balance was XXXX XXXXXXXX XXXX  and XXXX/XXXX ( {$3000.00} ) Dollars ; however, on or before XX/XX/XXXX, Capital One withdrew all funds and the account balance was XXXX and XXXX/XXXX ( {$0.00} ) Dollars. The funds were not returned to me and my account was closed by Capital One. I called customer service referencing the Case Number again and was told by Capital One that they could no longer talk to me about it because my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly the XXXX partial account number XXXX as ( 60 ) plus days past due. ( Please see page 18 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.