23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX : I completed SAVE application to begin paying loans for the education I received. Note that I am approved for {$0.00} payments until XX/XX/XXXX, which is 15 months from the time this application was completed. Said differently, I am not required to pay anything for another year due to my situation. 

XX/XX/XXXX : XXXX weeks after my SAVE application had not been finalized by Nelnet and 3 weeks since their last update on my application, I submitted a CFPB Complaint regarding the change in my plan, monthly payments, and for clarification on any information they may require for me. Note that Nelnet promised they would provide 10 day updates and it had been 3 weeks since their last update. 

XX/XX/XXXX : Nelnet responds with completely misdirected information about my current plan, all of which I am fully aware of. They provided no helpful information related to my CFPB Complaint. They proceed to tell me my current payment which I already know through my account and do not need any specialized advice for. The complaint I submitted previously should not have been closed because no useful information came out of Nelnet 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran twice by the company Mariner Finance without my consent on XX/XX/2019 and again on XX/XX/2019. 

I had an account with this company so they had no reason to run my credit again without asking me with is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. 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 120 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Product: Credit card or prepaid card

On XXXX XXXX 2017 I took my car to XXXX tuning to get an upgrade to my exhaust system. I was advised that it would take 3 to 4 weeks to complete the work. I tried to reach the owner of the business multiple times, left several messages no answer from the company. OnXX/XX/XXXXi went to the shop and saw that there were no work done on my car. The owner was very apologetic and stated that he was unable to complete the job within the time frame that we agreed. He also stated that he would give me a full refund of XXXX USD to my original method of payment Bank of America credit card ending XXXX. 
On XX/XX/XXXX he called me and told me that full refund had been made and that should reflect on my credit card within 7-10 business days. And since then my refund has not been made. 
After waiting couple of days, I contacted Bank of America to initiate a dispute as the merchant never refunded me or provided any service or products. Bank of America has not done its due diligence to resolve this matter. I have contacted them several times and sent all the required document multiple times, but the bank of America never provided any resolution to this matter. Moreover they never provided my temporary credit for disputed charge and it affected to my credit rating and payments. This type of service is not acceptable from banking institution because the customers should not chase the banks to have their problems resolved. The last time i contacted them they were not able to find the documents which i faxed them multiple times. Finally they confirmed over the phone that they found everything they needed but till now the issues was not resolved. Such a disorganized service from Bank of America is very ridiculous and very frustrating.
Product: Mortgage

I placed a complaint previously and the mortgage company did not do anything to correct it. The mortgage company basically regurgitated the same information I provided without acknowledging we have already paid the FULL YEAR of property taxes. I paid XXXX XXXX a full amount of {$3000.00} in XX/XX/2023. Planet Home Lending also attempted to make this payment, but XXXX XXXX refunded that payment to Planet Home Lending. 

I am enclosing screenshots that show we do not appear to have been in any 'shortage ' as Planet Home Lending would like to say. We were told our payment for XXXX would be {$1000.00} due to a shortage of {$1000.00}, yet we were sent a check from Planet Home Lending ( PHL ) for an 'overage ' of {$330.00}. If you subtract our regular payment of {$670.00} from the XXXX payment of {$1000.00}, that leaves {$330.00}. If you subtract the payment we received from PHL as 'overage ' of {$330.00}, that leaves {$2.00}. PHL 's math makes no sense- especially since we are exempt from property taxes as my husband will never NOT be a XXXX veteran. 

I am enclosing screenshots of everything. I want the FULL REFUND OWED TO US. 

Further, I will break it down to even more simpler terms that I hope everyone can understand. 

The property tax bill was {$3000.00}. Person A ( me ) paid throughout the year to my mortgage company to cover this bill. Person B ( PHL ) has my payments sitting in the account. Person A went to the tax building in XXXX and paid a full amount of {$3000.00} for the year. Person B also tried to send a payment to the tax building that was REFUNDED TO THEM as it was already paid by person A out of pocket. Person A has literally paid this bill TWICE which means Person B owes a refund to Person A in the amount of {$3000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NM XXXX Experian Dispute Division XXXX XXXX  XXXX XXXX, TX XXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized XXXX completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX XXXX. XXXX XXXX # XXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within 30 days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. Three examples include : XXXX. XXXX  v. Experian Information Solutions , Inc . 

Outcome : Plaintiff awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : 1. Immediately delete the fraudulent accounts and inquiries listed above. 

2. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Money transfer, virtual currency, or money service

Hello Good Day Ma'am / Sir, Me and my client were using Paypal as our payment transaction and he sent me {$2.00} yesterday XXXX XXXX, 2022, he sent me his payment twice so the total I received was {$4.00}.. But Paypal hold the money and asked me to update the shipping details and I did that and they advised me to wait for 3 days .. And today I received an email from Paypal and they told me " you can no longer do business with Paypal XXXX.. I'm asking myself why? I do verified my email and my contact number and I also did submit my valid ID and Paypal hold my funds for 180 days .. Why Paypal did this to me, I didn't do anything wrong or against there term and conditions, Hoping to resolved this issue as soon as possible and I can continue using Paypal as my Online payment transaction. Please me.. Thank you very much.
Product: Debt collection

I am trying to buy a house and it's a defamation to character and livelihood by ruining my change to improve my life. A company claiming to be " Credence Resource Management. '' called me under the number : XXXX called me then asked me to confirm my name and my address. Then pursued to request a payment of {$460.00} related to nonpayment for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX consumer did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately
Product: Student loan

My Nelnet account went into repayment in XXXX of XXXX. They split up my monthly payment into two separate payments. One of {$120.00} on the XXXX of the month, and XXXX of {$170.00} on the XXXX of the month. This was not something I chose, Nelnet set my payments up this way. 

On the XXXX of XXXX, I logged into my account and it reflected that I had a late payment of {$120.00} on my account, even though I am on auto debit. I called and was told that since the XXXX fell on a Sunday, the bank couldn't release funds and it should be released sometime that Monday. This is my first concern because I should not have any indication of late payments on my account when I am set up for auto debit unless the charge is declined, which is not the case. 

The second issue was that the total account balance I had due on XX/XX/year> was {$410.00}. This is {$120.00} more than my agreed-upon monthly payment of XXXX. I was told that this was a discrepancy that would be resolved after my first payment of {$120.00} was withdrawn from my account, and if that did not become resolved to reach back out. 

On XX/XX/year> at XXXX XXXX, I logged into my Nelnet account and was shown the following things : My payment of {$120.00} was paid, my second payment of {$170.00} is in the process of being withdrawn from my account, and my remaining amount due for XX/XX/year> is {$290.00}. This is not correct, as I had already paid the {$120.00}, so the remaining balance should be {$170.00}. 

I called back to Netnet to get this resolved and was told that there is nothing wrong, and that since I paid the first half of the bill for XXXX, the reason why it's still {$290.00} is because they added the payment for XXXX onto the " Current Amount Due on XX/XX/year> ''. I told them that this makes no sense, and is incorrect because if it includes the payment from XXXX, it should not say it is due on XX/XX/year>. 

This practice is unethical and predatory, and the only explanation is that they are trying to trick people into paying more than what is actually due. I have asked them if this is something they can fix, so my Current Amount Due is correct, and they just continued to tell me that this is how they do things and there is nothing wrong with it.

*I have attached a screenshot showing the agreed Due Dates & amounts, A screenshot of my payment activity showing the amount paid on XX/XX/year>, and a screenshot of the " Current Amount Due on XX/XX/year> '' discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES THROUGH EMAIL ABOUT ID THEFT, HOWEVER THIS INFO IS STILL REPORTING TO MY CONSUMER REPORT, I HAVE PROOF WE EMAIL AND THEY TOLD ME VIA EMAIL THEY REMOVED THIS FROM MY CONSUMER REPORT WITH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM UNABLE TO PLACE A SECURITY FREEZE FROM INNOVIS WEBSITE, THE WEBSITE IS PROMPTING ME TO SEND A LETTER, I HAVE SENT THIS COMPANY NUMEROUS LETTERS, THEY ARE REFUSING TO RESPOND.
Product: Checking or savings account

Background : I have a couple of business loans ( about XXXX ) in my corporations name with Wells Fargo that have been suspended since the pandemic began. I made regular payments on them before the pandemic. For three years since, I have made no payments. 

In XXXX of this year, the bank suddenly took about XXXX from my personal and business accounts and applied it to the loan. I called them and asked them to create a payment plan. They refused. They said they would come after my personal assets for the rest of the loan. I have no personal assets. In fact, after they emptied my accounts, I was at extreme risk of financial collapse. It was tantamount to a sudden and unproved violation that left a family of 4 on the brink of disaster. I pleaded with Wells Fargo to structure a repayment plan ( as I have done with many of my other credit lines ), but they intended to engage in this aggressive posture. My pleas fell on deaf ears.

The outcome I am looking at from this part of my complaint is for Wells Fargo to restore the funds to my accounts and engage in good-faith negotiations to structure a reasonable payment plan. At this point, I am faced with their belligerent threats to drive me into abject poverty by confiscating any and all of my existing or upcoming funds. I am at a loss as to why and how this is allowed. I am not a corporate entity with deep pockets. I have no employees. I am essentially a self-employed individual who has incorporated because of the demands of my profession. Please help me gain mental and emotional stability by limiting the banks ability to violate my family and me.

As an IT professional, I have a limited income and have struggled financially through the pandemic. I need assistance to stay on my feet and continue being a productive member of society. Please do what you can to provide guidance or move to remedy my situation with Wells Fargo to help ease my mind. This has been very difficult for my family and me emotionally, and I need any help I can get to navigate this challenging situation I have been thrust into.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following inaccurate details, but as of today, I have not received a response. I am providing the specifics of the inaccuracies and the necessary corrections below : The account labeled " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) requires further investigation due to incorrect reporting. The reported balance of {$390.00} appears to be higher than the balance I recall. Additionally, your agency has marked this account as closed, so the past-due amount should not be included. I believe it is imperative to address this misleading information directly with the creditor. I am prepared to take appropriate action, but I kindly request that your agency mark this account as disputed while I seek resolution. 


The following account, listed as " COLLECTION '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}, Original Creditor : XXXX  ), is not mine. I request the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been receiving intimidating collection notices after I filed a cease and desist letter by certified mail. In where they threaten to reopen some old resolved debts as a negative mark on all XXXX credit bureaus. These were old debts that I settled with the original companies as product of identity theft many years ago. these debts are old so they know they because of the age of the debt can not hold legal action against me, so instead I receive these letters and harrasing calls. After I submitted a cease and desist letter they have responded threatening to reopen on my credit report as unpaid and undisputed when it was settled long ago. Actually I received XXXX additional letters after cease amd desist letter as to some unknown debts that are also noted as old debts which are not mine. Here is a copy of the cease and desist letter that was mailed as certified mail and a response sheet was sent back. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Midland Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Re : XXXX Dear Debt Collector : I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. This account is closed and settled. It was You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the XXXX Attorney General 's office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Original creditor is XXXX XXXX XXXX XXXXXXXX, Michigan. 
Date of service XX/XX/XXXX  for ambulance service in the amount of XXXX XXXX XXXX XXXX dollars. They claim to have billed XXXX, medicaid, and XXXX XXXX XXXX. The only active policy during this time was XXXX and it has been confirmed that they never received a claim. XXXX XXXX XXXX had already expired and medicaid had not started yet This claim was never billed. 
2 months prior in XXXX, the same service was provided by the same creditor and they billed correctly. They billed the correct insurance, and they got paid ( that was on XX/XX/XXXX  ). All information was available to them however it appears they did not file the claim.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.