23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A charge was made on a card at a hotel at a XXXX XXXX  on XX/XX/XXXX. I shredded the card I had in XXXX and never received a replacement card nor have I ever used the card since XXXX. I disputed the charge and they sent a letter saying that the charge was verified using a chip therefore I was responsible for the charge. They provided no evidence that I used the card. I later found that the card was used in XXXX XXXX Texas. I was working in XXXX Texas the day the card was used, which can be verified through my employer, and I filed a police report with the XXXX Police Department ( report no. XXXX ) providing a sworn statement that I had no knowledge of the charge nor did I authorize the charge. I also provided a statement that a card may have been stolen through the mail. The credit card company has continued to not consider this information and I can not get anyone to return my calls to resolve this dispute.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Requesting disaster relief due to Hurricane Milton. We had no gas at the gas stations and no electric due to the major hurricane Milton. Was assessed a {$35.00} overdraft fee. Called Wells Fargo this morning to reverse it and talked to 2 representatives over 15 minutes who told me the disaster relief was not yet loaded in to the system. 

Wells Fargo trades securities on my accounts and make millions of dollars doing so. They keep the security interest and give me nothing but fees. The least they can do is to reverse the {$35.00} NSF fee charged during Hurricane Milton.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of hurricane Irma and was offered to place my morgage payment on hold till XXXX XXXX/2017 with no penalty under the civil relief act. I made a agreement with XXXX XXXX to pay back by XX/XX/XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over XXXX website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
Product: Credit card

For the last XXXX years, the company has been charging me interest on cash advances. However, I have never received cash advances. The company claims that vendors sometimes inputs purchases as cash advances to expedite transaction. Resulting in cash advances being reflected in my account that were actually purchases. If that's the case, this is an issue that should be immediately addressed by the credit card XXXX. The company is fraudulently charging interest that they are not entitled to. If this is happening in my account, it's probably systemic in every customer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters informing Georgia Student Finance that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : Georgia Student Finance ( XXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) 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. 

Lets look at has reasonable cause to believe that the information is inaccurate. 

I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 

While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 

This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding persistent inaccuracies in my credit report that have not been resolved despite these attempts to correct them through direct communication with the credit reporting agencies and creditors. 
I am requesting that you could help me to : 1. Conduct a thorough investigation into the inaccuracies I have outlined.

2. Ensure that the credit bureaus and creditors involved take the necessary corrective actions.

3. Facilitate the removal of the erroneous late open accounts and outdated/inaccurate public records from my credit report.

Accurate credit reporting is crucial, and despite my repeated efforts to correct these errors, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on the CFPB to intervene and ensure these inaccuracies are rectified. The following items should be remove as soon as possible : XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.
Product: Student loan

In XX/XX/XXXX/XX/XX/XXXX I was contacted by a new student loan servicer to complete a re-verification for student loan repayment. Prior to this my loan was serviced by another company, I had never heard of Nelnet. I am on the Income Driven Repayment plan. After going over the information on the phone, they lady at NelNet said that my payment would continue to be {$0.00} ( this made sense because my wife has student loans through XXXX and her payment was also continuing to be {$0.00} and we both had to re-verify at the same time of year ) I was sent paperwork in the mail to sign and return, which I did. I did not receive any further communication from Nelnet. 

In XX/XX/XXXX I applied for an auto loan. The lender told me my credit score was XXXX ( it had been in the mid- high 600 's ) I was shocked. I asked how on earth that was possible. They said that Nelnet had reported 42 missed payments on my credit report. 

I pulled my credit report and verified that this was true. I contacted Nelnet. They stated that I do not have 1 loan ( which is how this had always been reported before ) but 14 smaller loans. These 14 loans had been reported as never being paid since XX/XX/XXXX but only once they had become 90 days or more past due. I had no idea I owed anything. Since my wife and my income are the same and we both filed the same paperwork, why would one servicer charge a payment and the other servicer not charge a payment? 
Nelnet refused to even consider that they had made a mistake. They admitted there was no correspondence but said they had tried to call - this is false - they did not ever try to call. 
My credit is ruined, it will take years to undo the damages caused by this company. We can clearly prove they are incorrect but it does not matter to them. We made the {$23.00} payment they wanted for the past 6 months today to try to repair as much as we can. We have filed to have all of our loans serviced by XXXX. Please help us.
Product: Debt collection

Midland Credit Management Inc is attempting to collect a debt that has not been verified.

Creditor is requested to cease all collection effort and return to " alleged creditor '' or furnish to consumer all personal information used to establish account.

per title 15 failing to validate the accuracy of information has not been established in addition I have never had a legal binding contract with with Midland Credit Management Inc or XXXX XXXX XXXX  the request to furnish evidence that I do, has not been honored or produce. yet has a frivolous civil suit in XXXX XXXX XXXX XXXX to collect on a debt that does not belong to me. 

15 U, S code 1681- " It is the purpose of this subchapter that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to the confidentiality, ACCURACY, relevancy and proper utilization of such information in accordance with the requirements of this subchapter ''
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach, which happened through Equifax. I fill my information has been leaked. Im getting all kinds of calls from insurance companies as well as letters from all kinds of loan companies as well. There are items and inquiries on my report that should not be there, and I would like them removed Due to this breach, I will attach the evidence of this data breach below. The engagement number for the file claimed is XXXX. I have tried to contact Equifax fraud department due to this issue they will not allow me to speak to a representative, they keep saying that my information can not be verified when I am giving them all of the correct information so I just keep going in circles trying to contact them and resolve this issue to remove these items off of my credit items that I would like to be removed is XXXX {$230.00} Which then sold whatever debt they are claiming to a company called XXXX  XXXX {$230.00} aaa the date XX/XX/XXXX, XXXX XXXX the date XX/XX/XXXX XXXX card {$9500.00}, XX/XX/XXXX XXXX  XXXX {$1500.00}, XX/XX/XXXX, XXXX XX/XX/XXXX {$50.00} and all inquiries, except XXXX XXXX  and XXXX XXXX XXXX should be removed, remove XXXX XXXX  XX/XX/XXXX inquiry XXXX XX/XX/XXXX I dont even know what these two inquiries are, or where they came from. Ive tried to call and dispute with this company being as though the data breach was through this company but I just keep getting automated systems and they keep saying they can not verify my information which was given correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

N/a There are car places that sell u lemons an double charge u also after they reposes the car which is all they want they turn a round an an charge you on your credit which is very unfair also there are so many inquiries that I have not made an they are still on my file which has been demanded to be clear and that should be removed ASAP as if form of payment if payments was due they would want it diligently when my file has been in identify theft since the breach 2016 I have not inquired about anything nor should I be in XXXX XXXX which is all not for the people
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX store to inquire about getting a new XXXX   and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Product: Mortgage

BWW Law Group is in violation of the CARES Act, RESPA, and FDCPA. 

BWW Law Group has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this entity. 

In addition, BWW Law Group has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which the servicer ( XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX. BWW Law Group can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from the servicer since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 

Please see attached letter with attachments.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was selling my items through XXXX XXXX. The buyer contacted me saying he wants to purchase my items. He asked me for my XXXX as it was the payment I usually make online transactions with. He sent me a screenshot saying he sent me the money of {$150.00}. Shortly after, I received an email from " XXXX '' saying my XXXX needs to be upgraded to a premium account. I didn't know that was such a thing at the time. The email said I need to receive {$350.00} more, in a total of {$500.00}, to make my account premium. He sent me a screenshot that he sent me {$350.00} through XXXX and that I need to send him {$350.00} through Zelle in order to have {$500.00} back from XXXX. Then, I got another message from the buyer saying he was double charged from XXXX and I need to send him {$500.00}. Then I thought something was off, called XXXX and confirmed that it was a scam. I have the screenshots of the email I received from him as well as the conversation I had. I currently filed a claim through XXXX and Zelle. I didn't receive the money back yet.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

Equifax is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me.