23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXXXXXX  I made a request to my service provider, Nelnet, to request a refund for the payments I made during the COVID forbearance. I was told it could take up to 90 days. I had found out I qualify for PSLF and getting the refund prior to XX/XX/XXXX would allow me to consolidate the student loans and apply for an income driven repayment program and one time IDR waiver/adjustment. However, after speaking with Nelnet on XX/XX/XXXX, the service representative informed me that it could take up to a year for them to process the refund, the accounting department has no timeline for when it will be done, and if it is not processed until XXXX, it wouldnt be subject to the one time adjustment and I would have to take that up with the department of education. The amount they owe me is XXXX XXXX Please help.
Product: Credit card or prepaid card

The credit card was issued by USAA. The credit card was used for general purchases and also was used to automatically pay my monthly auto insurance premiums with USAA. USAA is not SUPOSSED to assess interest, fees or charges on amounts in dispute. Over the years of being issued the credit card by USAA there were several times when I reported to USAA that a particular charge was being disputed. I would not pay those amounts in dispute but, would pay the balance of the amount due. Contrary to USAA 's started policy and legal requirements, USAA would always XXXX interest/fees/charges on the disputed amounts. When I would call USAA about the interest/fees/charges, they would acknowledge their error and removed the illegal interest/fees/charges. Several months ago USAA had interest charges on my monthly statement. When I asked why, I was told that I had not paid the previous month 's bill. I found that to be illogical since I did not receive notice that my auto insurance monthly premium was late or not received ( recall my auto insurance premium was automatically paid with my USAA credit card ). After several conversations with USAA employees I was told the illegal interest/fees/charges would be removed. I asked the USAA employee to let me know the balance due. When I did not get a reply to the latter request, I mailed in what I estimated the balance due. I thought all had been resolved but, the next statement I received still had interest/fees/charges in spite of being told all had been removed. I had numerous conversations with USAA. I was told there would be an investigation. Months would go by and no one from USAA would contact me about the results of the " investigation ''. When I called to ask about the investigation I was told the matter was closed. Finally, I was told that USAA would not remove the interest etc because I had requested on previous occasions a removal of such charges and these charges were indeed removed. But, the previous instances of interest etc being removed was interest illegally charged by USAA on amounts in dispute. Therefore, this is a baseless reason. I am requesting that USAA remove all interest etc. from my account and contact the credit reporting agencies to withdraw any reports fo delinquency.
Product: Credit reporting or other personal consumer reports

Delete this account for inaccuracy, because the date the account XXXX was opened for XXXX XXXX  is reporting XXXX different inaccurate dates, XX/XX/2018 and February 1, 2018.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my TransUnion score dropped XXXX points. From XXXX to XXXX with no explanation. The only change that happened was that my XXXX XXXX balance had dropped by 50 %. The only thing that I had done otherwise was to initiate a dispute regarding credit card balances being not reported. I had since tried contacting them via phone, chat, XXXX XXXX, and XXXX chat. Finally connecting with someone on XX/XX/2023, I asked why my score dropped. They could not tell me why and offered no explanation other than I had derogatory accounts and/or late payments all of which where there well before the points drop. They refused to provide me with an answer and asked me to send another request via writing just to be difficult. Over the last two years I have worked diligently to remove undue collections accounts, expand my credit portfolio, and reduce my revolving debt only to have them, once again, cut me down for no apparent reason. This has impacted my ability to first secure employment, and now to handle personal financial matters that place me at a financial disadvantage due to my score. Not my history, not my debt to income ratio, not my payment to income ratio, but just my score. Having reduced my revolving open credit from over 50 % to 6 % does not justify their reducing my score by XXXX points and not having a good or justifiable reason. I want my score to be fairly rated. As you'll see with another bureau, XXXX, I have a XXXX score as of today. In comparison, my TU score should be over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.
Product: Debt collection

AwA collection never herd of them. 
Didnt do anything with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and Transunion but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. Transunion reported twice the inquiry.
Product: Debt collection

{$81.00} dollars was adding to my account and lower my credit i don't really where it comes from..I think it's a fraud
Product: Checking or savings account

I recieved a check in the mail, and I had asked the teller to please check to make sure the check was good before depositing into my account, I also asked him to deposit my workman 's comp check.. The teller stated that he would, I later got a notice that my account was closed due to fraud and that I would recieve my funds in the mail by Cashiers check still no check and its been over a year I had a little over {$200.00} left to be returned to me. My wife just had the same thing happen to Her same bank same issue this time it was close to {$2000.00} owed. They need to go after the fraudulent people and not the innocent customer. The banks name I US Bank XXXX XXXX  XXXX and XXXX XXXX. XXXX
Product: Vehicle loan or lease

Credit Acceptance repossessed my vehicle and failed to provide any of the legally required notifications under UCC Article 9 and the Fair Credit Reporting Act ( FCRA ). I was never sent a right to cure/redeem letter, nor was I informed where my car was taken, how much was owed to recover it, when and for how much it was sold at auction, or whether there was a deficiency balance. 

They had my correct mailing address and email, yet I received nothing. This has caused significant confusion and financial harm. 

My credit reports now reflect a {$0.00} balance and the account is closed. However, their portal originally showed a full balance due, and just recently changed to Payment Info Unavailable, without any explanation. I submitted an internal complaint through the Credit Acceptance portal and have not received a resolution. 

What I want to happen : I am requesting that Credit Acceptance : Provide a full breakdown of the repossession, auction, and any insurance ( GAP ) involvement Remove the repossession and associated late payments from my credit reports Acknowledge and correct their failure to comply with proper consumer notice requirements This experience has caused unnecessary hardship, and the account is now being reported inconsistently across different platforms. Im requesting immediate resolution. 

Legal matters will be taken if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I owed a company called Personify Financials. An amount of {$1300.00} went into delinquency in XXXX and was given over to a collections company called XXXX XXXX XXXX. I made the payment to the XXXX XXXX XXXX on XX/XX/XXXX. 

All attempts to remove the delinquency from credit has failed when the agency told me it will be removed after i make the payment. I called the XXXX XXXX XXXX and they told me to talk to personify since they are the original lenders. Personify isn't also responding to my requests. Please look into this for me Thank you
Product: Debt collection

I XXXX XXXX I reserve my right under UCC 1-308 not to be compelled to perform under any contract or any Commercial agreement not entered knowingly, voluntarily, an intentionally and I do not accept the liability of any compelled benefit or any unrevealed contract or Commercial agreement On XX/XX/year>, Absolute Recovery Services received an affidavit of violations of Arkansas code 4-59-101a ( 2 ), 15 USC 1692c, and 15 USC 1692e which will be attached with this complaint. Absolute Recovery Services has failed to produce any agreement between XXXX XXXX and Absolute Recovery Services obligating me to any debt as requested and continues to violate 15 USC 1692e with false credit reporting and 15 USC 1692c by failing to cease and desist collection efforts under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out investigation letters to XXXX, XXXX, and TransUnion on XX/XX/2019 ( Tracking # XXXX XXXX | TransUnion XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax XXXX XXXX on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Product: Debt collection

Auto insurance XXXX XXXX XXXX was taking monthly payments automatically from my account, for some reason they stopped taking them out. I was not notified about the payment being owed and my debt went to collection without notice. It caused my credit score to drop from XXXX to XXXX affecting my ability to lower my mortgage payment due to the lower XXXX score. I have paid the item, the debt went to collection in XXXX of XXXX according to my credit report and it was paid in full in XXXX immediately after i found out what happened, I'm requesting for this item to be removed from my credit report immediately here is the contact info, please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX  {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Product: Debt collection

Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXX 2020. I had an agreement to pay biweekly payments every 2  weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months. 
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases. 
They however sent notice to my employer as well notifying my employer of my debt. 
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this. 

On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination. 
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.
Product: Debt collection

XX/XX/2020 at XXXX XXXX  I received a phone call from a private number the person told me they were in the independent process server. They told me that they will be attempting to serve me at a address in XXXX where I dont currently reside. I asked what was the court action reference to they refused to tell me and told me if I wanted more information I had to call XXXX. Once I said I had a number the person said you have been served and hung up the phone. I then contacted the 800 number which belongs to AA Recovery Solutions XXXX. I informed them of the phone call I got from the unknown number they quickly denied that was associated with them. I asked him how would I know the number to call without receiving the information from somebody and again they denied the Previous phone call. This is a very deceptive practice to have somebody call threatening a lawsuit are delivering paperwork for a lawsuit just have a customer call them so they can then tell you about a debt .they never really identify their selves as a collection agency. I feel that no collect agency should threaten a lawsuit without first informing you of whats going on and give you some time to validate if the information is actually true
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Credit card Payment summary XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX score that's reported by my XXXX XXXX app, showed a 17 point drop within the last 30 days. I immediately ordered my credit report from all three agencies. Upon review I noticed some account inquiries that I did not prompt or authorize. 

I did not give permission, authorization or was aware Bank of America made an inquiry pulling/reviewing/requesting my credit history/report/information, Bank of America recently ( two weeks ago ) notified me that my home mortgage loan was sold to another bank. The transfer would take in effect on XX/XX/2021. I called Bank of America on XX/XX/2021. XXXX of my questions was 'did Bank of America do a credit inquiry? ' It was stated by the Bank of America representative " no, I don't think so '. I said well it's funny around the same time the mortgage loan was sold to another bank XXXX XXXX score dropped 17 points. I was advised to request a credit report. I replied I did and low and behold what do I see. Bank of America Account Review Inquiry made on XX/XX/2021. 

I was not aware Bank of America made a credit inquiry. 
I did not give permission or authorization for or to Bank of America to perform/request/pull/search/look into my credit.
Product: Credit card or prepaid card

I purchased driving lessons on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX on my Tj maxx rewards card. I was never scheduled for them. After contacting the company several times by ph, virtual chat, email ect. I showed up in person to a empty building to be informed by their neighbor they were filling XXXX XXXX and parents were coming by to investigate to see why no one can get ahold of them also was told to look up XXXX XXXX they were on the news for it as well. I called my credit card company on XX/XX/XXXX to start a dispute. I was denied and told I signed a contract saying no refunds no cancellations. So I sent another appeal saying I didn't cancel. They went out of business before I could get my services. I received another denial letter XX/XX/XXXX saying I received my services which I did not. Please help me get my refund
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to dispute incorrect information on my credit report that requires immediate attention. Specifically, there are accounts listed that I did not open, and I firmly dispute their presence.
Product: Credit reporting or other personal consumer reports

I have contacted both Experian and XXXX XXXX XXXX As I'm trying to get approved for a home loan and unable to do so as they're showing this account in dispute. I have requested the dispute be cancelled and remove the comment " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, no one is responding or correcting this and it's just stuck on my report. I need removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account