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

Fraudulent accounts, information, and activities have contaminated my Credit File, and I am once again requesting the removal of such information resulting from the fraud. It is important to note that my personal information was exposed in the XXXX data breach. I am submitting this complaint via the CFPB to request that the three major Credit Reporting Agencies remove the accounts and information that remain on my Credit File, despite the actions they have taken in removing a portion of the disputed items. I have been requesting that they remove the accounts and information resulting from fraudulent activities. While I appreciate their efforts in removing some of the fraudulent accounts and information, I am seeking help once more to request that they remove the remaining fraudulent accounts. 
The accounts, inquiries, and inaccurate addresses listed are not associated with me in any way. I have neither received any money, goods, nor services as a result of identity theft, nor have I authorized these accounts. I urgently request that the Credit Reporting Agencies promptly remove any affiliation of these items with my identity. I need the help of the Credit Bureaus in removing the following items from my Credit File : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. This is my numerous request for the Credit Bureaus to remove these items, and I do not lose hope in resolving this matter as peacefully as possible. If the Credit Bureaus ' investigation finds that the disputed items belong to me, I require them to send me copies of the documents they found during their investigation. In the absence of such documents, immediate removal of the disputed items is expected.
Product: Debt collection

Paid a collection debt in the amount of {$6500.00} on XX/XX/XXXX, XXXX and received a documentation letter stating my debt is PAID IN FULL from XXXX XXXX XXXX. I started receiving a collection call from a second collection agency telling me I was not paid in full on XX/XX/year>. This company is threating me to taking me to court. I sent them the documentation that I paid in full the debt. They said it was paid to a illegitimate collection agency. 
I called the first collection agency and they told me again, my account to XXXX was closed and paid in full. The second collection agency has called several more times and now is telling me I should be hearing from someone from our county clerks office. 
The name of the second collection agency is Future Judgements at FJS Global located in XXXX XXXX
Product: Student loan

I currently have student loans that are handled by Nelnet, and am on a XXXX $ repayment plan with subsidized interest. I would like to pay but I've been having an ongoing XXXX  crisis causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kept getting messages from Nelnet saying XXXX $ is due. I also got communication saying that I'm on a plan where interest will be subsidized by the government for three years. Then I found out that there actually was interest on the account. Nelnet has sent misleading communication repeatedly implying that nothing is due, while hiding interest accrual in the fine print. Apparently there were 2 months in XXXX  where interest was accruing, and they have not communicated this clearly. 

I would like this interest removed because it's unethical to clearly communicate that nothing is due when in fact, the interest needs to be paid. I would have paid it already if Nelnet had been honest. 

I have XXXX degrees, including a XXXX, and have published media articles in the USA, XXXX, and XXXX. If I didn't understand Nelnet 's communication, it clearly wasn't straightforward or clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX : {$XXXX} XXXX  XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows : XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

The account do not open by username and password since 3 years now. This account get my y Social every months. I need this bank to refund me my money in full about {$25000.00} or about the amount. Their do not reply clearly my previous complains, their need to refund me.
Product: Checking or savings account

Am having 4 issues with my chase checking and savings accounts.

1. they started charging me {$6.00} on a no fee checking account last month 2. they are now putting holds on 2 checks i deposited today. one from XXXX XXXX for {$500.00} and one from XXXX back for {$0.00}. yes i know crazy that XXXX would send a check for XXXX XXXX. the first {$500.00} is supposed to be immediately available 3. I was logged into my chase checking account when i opened my chase savings account. according to there website at signup time i was supposed to receive twice as much interest on my savings as they are paying me. they refused to resolve this at the bank a number of months ago nor could the rep who called me about it fix it unless i went to the branch which said they could not fix it and that some one would call me.

4. I am not getting interest on my checking account like they said i would receive if i opened a savings account with more then $ XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I have been trying to close my account with M & T Bank for several months. The company keeps taking monthly fees and makes it impossible to close the account. At first I asked for the fees to be refunded or I would be closing the account. I tried to bring new funds into the account to prevent the fees, but the system to valdiate the debit card to arrange external transfers was not working. I eventually was able to validate my debit card after about 2 months. I told them cancel the account via online banking, then via phone. The company tells me I need to go in branch - This is impossible as I am currently located in texas due to working disaster recovery for hurricane harvey. I was then told the only option is to send in an account closure request via mail. This is an absolutely ludicrous company. The online banking interface is sub par, and they seem to not be up to 21st century standards.
Product: Debt collection

I made a settlement with portfolio recovery for an account that they illegally bought from XXXX  XXXX. This company has been stalking me since XXXXby requesting unauthorized inquiries on my credit report through XXXX credit bureaus, in which XXXX deleted all inquiries in order to hide a paper trail but I have the screenshots. The only reason I settled with portfolio recovery was to move the process along with a potential mortgage lender. Portfolio recovery along with XXXX is trying to extort more money out of mean by putting comments on my credit report like potentially negative and they also reported false information that I owe a remaining balance of XXXX. The letter I received state that the debt was paid in full
Product: Credit reporting

They will not respond to any of my disputes. 
XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report even after your investigation, I would like this item immediately reinvestigated. The inaccuracies are high injurious to my credit score, account number XXXX XXXX XXXXXXXX XXXX. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D please provide the names and business address in which individual with whom you verify the account so that I may follow up. Please send me an updated copy of my credit report after you reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX  XXXX XXXX Balance : {$1000.00}, XXXX  XXXX XXXX Balance : {$690.00}, XXXX XXXX  XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are continuing to report incorrect information. There are several late payments being reported on my consumer file that have not been properly verified as accurate. XXXX has late payments listed in XXXX XXXX XXXX of XXXX XXXX is not reporting any late payments and Equifax has late payments listed as XXXX and XX/XX/XXXX this account can not be correct. It cant report XXXX different ways. Remove these late payments immediately to reflect paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

I applied for SAVE in XXXX. I was told by Nelnet it would be processed accordingly. 

I reach out in XX/XX/XXXX whats taking so long. They said it will processed shortly. After calling a second time on the XXXX, they said they would finally switch me over after paying a {$5.00} transfer fee. 

I paid the fee and they had put me on a standard income driven plan instead of SAVE. Now they are asking me to pay a monthly payment of XXXX when my application stated my monthly plan would be {$0.00}. 

When I asked for information, they stated they are working on it but I would still need to make the payment. Why? As to not delay my change of plans. They made the mistake!
Product: Debt collection

This midland company sent a debt collection to MY FAMILYs home, in which I do not live and for a DEBT that was already found as to be FRAUDULENT by the original company BEFOEE THE DATE this letter claims they revived this account. This is ILLEGAL & Im going to sue this company if they do not cease their unlawful practices. And now I am official filing a complaint with a government agency showing XXXXXXXX XXXX illegal practice. 
Also attached is the letter from the actual credit card company SHOWING this was indeed a fraudulent account.
Product: Credit reporting or other personal consumer reports

Two years ago, I created an online account with Experian through their consumer website in order to create a Credit Freeze. I now need to temporarily lift that freeze so I can qualify for a loan. 
The Experian website login page does not accept my login credentials as correct. However, the website has no way to access technical support to correct the problem, such as a chat link or email address. 
I found two separate phone numbers for Experian support, but they only have the identical automated system to get a copy of a credit report : XXXX and XXXX Neither number allows an option for speaking with a live agent. 
Without access to my existing Experian account, I can not lift my credit freeze and will not qualify for any new loans or other financial services, which is a serious impact.
Product: Bank account or service

Wells Fargo offered {$100.00} for opening an everyday checking account by XXXX XXXX and fulfilling certain requirements ( XXXX debit card purchases or a total of {$500.00} in direct deposits received within 60 days ). Wells Fargo is now telling me I am not eligible for this promotion, saying it ended XXXX XXXX, which is not true. They have since removed the offer from their website, but the offer code was XXXX.
Product: Debt collection

XXXX continues to try to collect a debt I do not owe. They were sent a cease a desist notice. They have sent deceptive notices making claims that are not true.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my credit score was greatly reduced out of thin air and for no reason at all by at least XXXX and Transunion. I was given a XXXX point deduction by at least both of these companies. Looking at my credit report and calling the only credit card company that I use they even agreed that they did not know why my score was affect as I have an excellent rating with them. There is no reason for this adverse action to have been taken and I want it undone ASAP.
Product: Credit card

I received a letter from Wells Fargo saying that the volume of activity on my account was suspicious and if it continued they would close my account. I stopped using the card the day I received the letter, but they still closed my account. I would like for the account to be reopened.
Product: Debt collection

I was recently released from XXXX XXXX XXXX XXXX  after being XXXX  for XXXX XXXX and XXXX XXXX. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from Capital One which had been sold to XXXX XXXX due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in prison we did not have access to the internet. I have proof that I was XXXX  the entire time. I called XXXX XXXX on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with Capital One being that I was in XXXX  for XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CCS- ( XXXX XXXX XXXX ) calls me at least 3 times a day. When I XXXX their telephone number, it says they are a collection agency. Although I have never received anything in the mail from them. They never leave me a message and their number has been reported as scam calls. The last time they called me was Friday, XX/XX/2019. They usually call 3 times a day but never leave a message. How can you know if people are a legitimate collection agency if they never send you anything in the mail to dispute the validity of the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022
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, 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

Want to file complaint against XXXX, XXXX and TransUnion. These companies are not complying with their own policies in a timely manner. All XXXX companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also TransUnion was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submit this complaint today to apprise you of my identity theft victimization. Following a visit to the Federal Trade Commission website ( https : //www.ftc.gov ), I filed an identity theft report, denoted as # XXXX. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items enumerated in an identity theft report. Additionally, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate items in the consumer file identified by the consumer as information stemming from an alleged identity theft, no later than 4 business days subsequent to the date of receipt. Enclosed herewith are the ATTACHED documents and FTC Report, intended to facilitate the removal of erroneous information and inquiries presently affecting my credit reports. The following items, neither belonging to me nor authorized by my consent, are outlined below : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX