23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or about XX/XX/XXXX I graduated from school of which at that time all of my loans were paid in full with Federal Direct Loans. 
Since then the loan was sold to NELNET INC EIN XXXX-who has been monetizing and trading on it-using my SS number without giving me any tender-securities or dividends-or even asking for my permission to use or access my trust, then has the audacity to attempt to ask me for a payment of a loan of which has been paid more than ten years ago. 

However, I ask can NELNET INC-who is in breach { of UCC 3-302 holder of due course-This is a crime } send me a contract between myself and them stating that we have any type of agreement? If not of which they have still not giving me anything in it's original form, why? Because they are committing FRAUD. 

In addition According to HJR 192 of 1933 at XXXX -ALL DEBTS ARE PREPAID. 
If this fallacy of debt is not removed I am prepared for legal action against them and have the IRS audit this NELNET INC company. 

Again kindly remove this false XXXX { XXXX XXXX XXXX XXXX } debt that stains my credit report ASAP. Please and thank you XXXX XXXX
Product: Credit card or prepaid card

We, XXXX XXXX  and XXXX XXXX XXXX had joint stores credit cards with XXXX XXXX  for XXXX stores and XXXX and XXXX   stores, respectively. Our accounts were opened in 2017 and we had planned to use the credit for a new air conditioning unit and a riding lawn mower. However, while in the market research phase of our pending purchases, our home and state were hit with a devastating hurricane Irma. As a result, we had to delay the pending purchases, due to damages suffered from hurricane Irma and to perform said needed repairs.

Today, we were informed by our credit monitoring service XXXX  that both our accounts were closed by XXXX XXXX. We were never informed by XXXX XXXX or given any opportunity to keep our accounts open. It is very disappointing and financially devastating to us that XXXX XXXX  chose to close our accounts without notifying us. In addition, we were in the process of finalizing our purchases of a new home air conditioning system and a riding lawn mower ( XXXX  is a XXXX  veteran with XXXX XXXX ).

We are seeking assistance from this agency to get our accounts reopened and our credit lines restored!!! Thanks in advance for your kind assistance.

Regards, XXXX XXXX and XXXX XXXX XXXX.

XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 18 financial loss, and I seek appropriate redress
Product: Checking or savings account

My td bank account get close and the dont tell me any updated about this, more the 1 month almost XXXX and I still waiting my check and I really need my savings
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX hereby make a legitimate complaint against two collection agencies that are bypassing my rights under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In 2015, after multiple federal case losses by national collection agencies properly licensed in the state where the complaints were filed, a proposed amendment was filed in the US House of Representatives known as HR6363. That law never got out of committee, but is now back before congress known as HR435. The Credit Access and Inclusion Act is a joke as it states that a public utility is a credit.  To date, it is not considered a credit, and never should be. All public utilities are governed by public service committees in each state. The Fair Credit Reporting Act has never been associated with public utilities. So today public utilities are bypassing a consumer 's rights by assigning any debt collection to a collection agency. The Fair Credit Reporting Act is therefore bent but not broken. Public utilities being posted on a credit report are without exception a violation of the Fair Credit Reporting Act. The governing bodies of public utilities are within each state, and there is no federalism attached to such reporting, either on a standard or sub-standard reporting status under FDIC Regulation 5000. The fact that there is still federal legislation to submit utilities or their collection status on a consumer credit report is not legitimate and will not be so until such a law known as HR435 passes both congressional houses and is signed on by the President of the United States. These posted collections on my Experian credit report are a true violation of my rights under the Fair Credit Reporting Act, which extends to the Fair Debt Collection Practices Act. Both of these collections posted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act, and both are in violation of their subscriber agreements with Experian in general. These agencies must be sanctioned by the Consumer Financial Protection Bureau for serious violations on credit reporting, and the Federal Trade Commission must cease and desist this activity. Both collection matters must be deleted from my Experian credit report immediately and permanently. Both of these accounts were satisfied, but they should have never been reported on a credit bureau to begin with. DELETE THESE ACCOUNTS!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

GREENSKY INSTALLMENT XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by GREENSKY XXXX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Student loan

This is the 3rd time I'm making an official complaint. I do hope that this is the last time I have to do this. Here is the timeline. On XX/XX/XXXX, I received an email from Fedloan stating that a new loan had been disbursed. This is odd because I've not taken out a student loan since XXXX and hadn't been enrolled in a college since XXXX. I contacted FedLoan and the school in question ( which I am not enrolled in ) and neither party could provide any specific information. I have since contacted FedLoan, the Ombudsman, and the CFPD multiple times seeking to find any information regarding a fraudulent loan placed into my credit history and have not received any documentation or reasoning. I have received a way to discharge the loan, however this does not inform me if my personal credit has been compromised, which has been one of my main issues. I'm tired of getting the run-around and do not have time to continue to get answers. I am truly fed up with this situation and am just seeking answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

They opened. Credit card & loan illegally Also Someone illegally applied for unemployment under my name since XXXX this year 2022 I did filled a police report for it Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian continues to erroneously report inaccurate information on my consumer credit reports Specifically pertaining to a XXXX XXXX account. This account is reporting in a charged off status while reporting a balance of {$2600.00}. This account is also reporting that the last payment made was on XX/XX/year> however the payment history reflects the account was. Charged off on XX/XX/year>. This is a direct violation on codes 15 USC 1681 and 15 USC 1681 EB of the FCRA. This account has been reporting and affecting my score negatively and inadvertently causing denial of credit with other lenders. This account needs to be removed expeditiously due to MULTIPLE FCRA violations. Experian is currently being sued for this very violation at this time. I will also be filing suit against Experian with regard to this violation of my consumer credit report.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX and XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX and XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed on the attached document. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
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. 
Account name : XXXX XXXX XXXX Collections Account number : 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: Money transfer, virtual currency, or money service

I opened an account on wise.com on XX/XX/2022 because I was closing my bank account because I wanted to get a local one where I moved. I put my funds ( {$300.00} ) inside of wise until I found another bank. When I decided on what bank I transferred {$250.00} to that account they pushed the transfer date twice and I wanted to look into investing so I made another account for me to start investing and I made 2 {$10.00} transfers to it to open and fund my stocks. On XX/XX/XXXX which was one of the times I was supposed to receive my funds in both my accounts they delayed it again to XX/XX/XXXX, when I woke up on XX/XX/XXXX I had an email about my transfer being delayed again so I went to log into wise. Well they deactivated my account without even telling me in a email that they even did and I have been email and contacting them constantly with no response. I put in an appeal like their online help stated to do so they can get my new bank info to send my money to that was in the account, so I gave them that info and submitted my appeal. We'll today XX/XX/2022 the email that I finally received wasn't even to help or try to get me my funds. They just stated that my bank debit failed and they took my money and now they want me to pay it off when the day they deactivated it, it still had my {$300.00} in the account. I have no received my {$300.00} in my new account I put on the appeal like I was told to do by their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XXXX  i called my bank to tell them that my card, drivers license was stolen. money ( XXXX  ) was taking out of my account so i filed a police report and sent them that documents that chime was asking for! they told me i would receive a temp credit but they denied my claim right before they told me i would receive my credit
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account charge off which is a IRS Law ; Certificate of indebtedness is income and must be remove from credit report. 

If your debt is forgiv

en or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. In general, if your debt is canceled, forgiven, or discharged for less
than the amount owed, the amount of the canceled debt is taxable. 

XXXXXXXX XXXX XXXX, Canceled debt- IRS Law
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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

I noticed on my report few accounts which i did not recognize. As if someone else 's information got mixed up with mine. My accounts are all paid as agreed and should have no negatives showing. I wrote to all XXXX credit bureaus asking to correct my report and only some info was removed. I wrote few letters, each time some more information was corrected but as of today there is still wrong information showing and it is affecting me financial very badly. They 've been answering by what seems to be printout letters by codes. Their responses makes no sense and I am tired and frustrated from this process. 
All I 'm trying to get is to have my report corrected.
Product: Money transfer, virtual currency, or money service

Good morning, I start this new complaint because I have not receive a response from the bank nor the CFPB in over a month. 

I have already made two complaints before with the following number : XXXX XXXX. Last response XXXX still working on the issue. 
XXXX XXXX. Last XXXX XXXX still working on the issue. 

Both Complaints are for the same case, The Bank permitted XXXX Transfers to go thru which I did not authorized. 

This person took almost all my savings in just 10 days. 

I also have made a complaint with the information a gather of those transactions to the FBI, so they can look out this persons. 

I really would appreciate you help with my case and request to the Bank all the information which I have ask directly but they had not answer to me. 

Once again XXXX thanks you for all your good work, and will be specting a promt positive response. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently purchased a vehicle through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States on XX/XX/XXXX I had gone in with a pre approval with XXXX XXXX XXXX looking to purchase a XXXX XXXX XXXX and signed a credit application that was to be sent back to XXXX XXXX XXXX to allow XXXX XXXX and XXXX XXXX XXXX underwriting to connect on the same system but the credit application was used incorrectly and was sent out to multiple credit unions and lending companies. I only authorized the credit application for XXXX XXXX XXXX but Im seeing the application got sent out the credit unions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to have the hard inquiries removed from my credit report as they were not authorized to be pulled. Ive spoken with the credit unions and they have come back to me saying they would not have pulled my credit if I did not sign a credit application. I understand that is true but I did not authorize the dealership to send out my credit application to be sent out to those XXXX establishments, only XXXX XXXX XXXX.
Product: Debt collection

Collection agency is harassing me to pay a debt I dont know anything about. I dont know this agency or the debt.
Product: Credit reporting

Demanding a Credit Bureau InvestigateTo Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for EQUIFAX or agent of EQUIFAX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX  I am also attaching the Fraudulent Foriva account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$2100.00} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!
Product: Money transfer, virtual currency, or money service

It would n't let me use the app with my banking information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.