23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with Experian in regard to this account XXXX XXXX  {$1100.00}, XXXX  XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/2019 which is another inaccuracy! How payment history begins XX/XX/2019 and account opened in XX/XX/2019. The accounts for XXXX also showing various inaccurate late payment of 30, 60, 60 then 90, 90, 120,120 late. inaccuracy which shows Experian, XXXX, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that Experian, XXXX, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty 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 ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

Lack of Signed Promissory Notes XXXX has presented Master Promissory Notes ( MPNs ) as evidence of alleged loan obligations. However, these documents do not contain my physical ( wet-ink ) signature or an authenticated digital signature as required for a legally binding contract. Under contract law, an enforceable debt must include a clear agreement between the parties. In this case, no such proof of agreement exists. 

While XXXX references the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act, 15 U.S. Code 7001 ), they have failed to meet the Act 's requirements. Specifically : The Act mandates clear consumer consent to use electronic records ( 7001 ( c ) ( 1 ) ( A ) ) ; It also requires demonstrable proof that the consumer could access the information electronically ( 7001 ( c ) ( 1 ) ( C ) ( ii ) ).

Nelnet has not provided any such consent documentation. Therefore, their reliance on the E-SIGN Act is legally insufficient.

Violations of Federal Consumer Protection Laws Additionally, I believe XXXX 's continued reporting and collection activity on these accounts violate the following federal laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 Nelnet is furnishing negative information to credit reporting agencies without valid proof of my obligation or authorization. FCRA prohibits furnishers from reporting inaccurate information and obligates them to delete unverifiable data after a consumer dispute. As no signed or verifiable loan agreement exists, this reporting is both inaccurate and unlawful.

2. Truth in Lending Act ( TILA ), 15 U.S. Code 1601 et seq.

Under TILA, lenders are required to provide clear disclosures of the terms and conditions of credit obligations. XXXX has failed to provide any disclosures showing I agreed to loan terms, interest rates, repayment schedules, or disbursement details all of which are required for TILA compliance. 

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. 
To the extent that XXXX or any third party is engaged in collection activity on this alleged debt, doing so without verifying the debt and without a signed contract violates FDCPA provisions, particularly : 1692e Prohibition of false or misleading representations, such as claiming a debt is owed without proof ; 1692g Requirement to provide debt validation upon request.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for unauthorized hard inquiries appearing on my TransUnion credit report. i ve sent notices over and over since XXXX, XXXX These inquiries were made without my knowledge or consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you investigate this matter immediately and remove the fraudulent inquiries without delay. 
The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX
Product: Mortgage

Back in XXXX, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their fidelity bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo back in XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the association 's coverage. I made it perfectly clear that I do not want to pay any more upfront fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check. During the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominium 's fidelity bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Balance : {$10000.00} I recently received a response regarding a disputed item. How can report unverified and unvalidated information to consumer credit reports while disregarding requests for validation under the FDCPA. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA. 
Kindly refrain from simply responding and stating that the account has been verified, as I have never received any proof of such verification. According to my rights under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly removed. Therefore, if you are unable to provide me with verifiable proof of the mentioned account ( s ) within 30 days of receiving this letter, you must remove these item ( s ) from my credit report.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please remove these accounts ASAP.
Product: Student loan

I am a member of the XXXX v XXXX XXXX XXXX XXXX. I was supposed to have full settlement relief by XX/XX/year> and I still have not received a refund or even been able to get Nelnet to confirm the amount. I openened a complaint with the Nelnet ombudsman group on XX/XX/year> and they have been " escalating '' ever since with no answer. I recently spoke to the ombudsman on XX/XX/year> and they indicated that the original escalation was closed because I was not owed a refund because they stated i have not made payments to nelnet which is not relevant because i made all my payments to a previous loan servicer ( fedloan ) which they agreed to take my account from during the payment pause and they confirmed they have the payment history. The ombudsman confirmed I am owed a refund and even stated they do not understand why the processing dept is not doing the work. They indicated they have escalated to their manager many times and are veing ignored internally. I am owed at least {$33000.00} and still can not get confirmation of the refund amount from nelnet and that they are actually processing it to sent to the treasury dept and they are XXXX weeks past the court ordered deadline. There is nothing to figure out at this point so I want to know why they are refusing to do the work and respond to the countless escalations from their own ombudsman group.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect 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
Product: Debt collection

I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.
Product: Mortgage

This company stated I recently had a loan balance XXXX that was due and payable, I've never received statement. Why weren't you billing me I am suppose to know if my loan is due and payable. I have not had any correspondence. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries on my report that are not mine and I did not authorize.
Product: Debt collection

I have been paying this debt off little by little every month and this debt collector keeps calling and calling
Product: Credit card or prepaid card

Wells Fargo Fraud Claims Department will not process my fraud claim, and asked me to fax my claim its Reconsiderations Department. I filed an FTC Identity Theft Report, and was told by a supervisor named XXXX in the Fraud Claims Department that I could be liable for fraudulent purchases made on my account after I made a payment on my account. Mind you, both payments made were on concurrent days, one by phone and one online, and neither payment would show me account activity that could have alerted me to potential fraud. Further, I am being told, when similar fraud has occurred on my other credit cards, as in an entire account take-over, those fraud claims have been resolved, yet Wells Fargo tells me it will take 30 to 45 business days to resolve this claim. I am currently applying for mortgages and can not have this high revolving credit account appear on my credit report and bring down my credit score, affecting the kind of mortgage I could possibly get. In addition, I have sent proof to Wells Fargo verifying my whereabouts when certain fraudulent charges were made, making it impossible for me to have made these fraudulent charges. Please help me have Wells Fargo resolve this claim timely so I can apply for a mortgage and get the best rate possible, keep my credit score intact, and allow me to regain control of my life. The Reconsiderations Department at Wells Fargo does not have a telephone number where I or my Consumer Protection Attorney can contact them to discuss this claim, as I want to be proactive and not reactive, especially given the large money amount involved and the extent of identity theft with this and my other credit card claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

Hello. These were the actions taken... 
XX/XX/22 I downloaded the Venmo XXXX XXXX and created an account and added my bank XX/XX/22 I added my gift card then removed my gift card XX/XX/22 I pressed " close my Venmo account '' in app and it wouldn't. It said contact venmo XX/XX/22 I requested that my Venmo account be closed via email. Their return email bot sent me a email saying my account was frozen XX/XX/22 I requested that my Frozen Venmo be closed via email. Their return email bot once again sent me a email saying my account was frozen There has been no money received or sent from my Venmo account. I simply changed my mind about having an account with them Venmo used a 3rd party system called XXXX to link my bank to Venmo
Product: Student loan

Navient is my private student loan servicer. I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX and my school was found guilty by the federal government of misconduct. The federal government discharged my federal loans due to my school 's misconduct. I applied to discharge my private loans using Navient 's School Misconduct Discharge application.

My request was denied citing no specific details except the following reply. " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If my school was found guilty by the federal government of school misconduct why do I have to jump through hoops to get my private student loans discharged? I made sure to provide as much information in my application as possible and the level of detail they are requesting is intrusive and unnecessary to receive discharge. ( Bank records, credit reports, resumes, income history ) I also cited the Holder Rule stating Navient knowingly took on this bad debt from XXXX XXXX and is continuing to collect on this debt even though they know the practices of this school were fraudulent. 

I will be filing an appeal but I've seen many people experience blanket denial letters in community groups with no explanation of their reason for denial.
Product: Credit reporting or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

I am not sure why credit card companies have started a trend or reporting incorrect information on consumers credit report but Discover Card experienced a data breach and that the information reported is incorrect but they still continue to report 1 late payment on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 1 late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TRYING TO GET A CREDIT CARD AND THEY SAID I HAD COLLECTIONS. WHILE INVESTING I FOUND OUT USING THE NMLS WEBSITE THAT THE COMPANY IS NOT LICENSES TO BE A COLLECTION AGENCY IN THE STATE OF NJ
Product: Credit card

Fortiva Retail Credit charged me an annual fee for a credit card that I have not used in XXXX years. I had gotten the credit card when I purchased an air conditioning unit in XXXX. I paid my balance off by XXXX. 

I have not used the card in XXXX years and then get notified of a late fee. They sent me a change in terms via email that they would be charging me an annual fee. 

I cancelled the card and was told my balance would be XXXX. I'll check that tomorrow. 

However overall, this would be unfair treatment of a customer. I have not used that card in 2 years and they change the terms to charge me an annual fee. This seems to be a bad practice on their end to get customers like me. If anything, I should be considered a stale or absent cardholder since I have not used the credit in 2 years vs. getting a fee. 

I'm sending this complaint in so others don't have to deal with this like I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If Transunion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen that this company have been fraudulently charging me when the account has been closed forover a year now, it is also showing incorrect dates on all three of the credit bureaus according to the datesshown on each account, i will like this to show this as removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX