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

The Department of Ed ( Nelnet ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report shows they were opened in XXXX, which I do not understand. 
I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, Nelnet is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. 
I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. 
The loan amounts are {$2800.00} and {$570.00}.
Product: Debt collection

The company is Critical Resolution Mediation, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ), this debt was for a loan taken out from XXXX XXXX. On XX/XX/20 I was contacted by this company at around XXXX XXXX   central time. I was told that if I did not pay a settlement in the amount of nearly {$2200.00} by noon on the same date, they would be forwarding this to the XXXX XXXX County, Missouri court system for garnishment and criminal charges for defrauding a financial institution. I told them that there was no way for me to come up with that money in that time frame. I then reach out to a local attorney and asked if it was possible for them to file criminal charges and was told to not give them any further information. I ceased all communication with the company and they called at least 5 times after my " deadline ''. 

Today ( XX/XX/20 ) I have received several " Restricted '' phone calls that I have not answered. They have also called my mother today ( XX/XX/20 ) and told her if I did not reach out to them by XXXX XXXX, that they would have me detained and I would spend 3 months to 6 years in jail. They gave out all of my personal information in regards to the debt to my mother and frightened her. This has been harassment like I have never seen before. In my opinion this is a total violation of the FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) .I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXX  XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Receivable Management Partners, LLC Debt collectors account number : XXXX XXXX Alleged Debt Amount or Balance : {$440.00} Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX Dear Receivable Management Partners, LLC I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Debt collection

On XX/XX/22 I was sued by a company called Credit Corp solutions for the amount of XXXX on a XXXX account they claimed as mine. I explained to the courts and debt collector I have never opened a credit card account with XXXX. In court XXXX XXXX. Solutions had no verification of the debt or any proof the XXXX account was mine. The court ordered a continuance to be investigated for fraud and go back to court on XX/XX/22. I immediately ran my credit reports XXXX, XXXX and XXXX. I could not find the account they are claiming I owe. I also called Credit Corp solutions XX/XX/XXXX and they told me it was under fraud investigation and I needed to wait 30 days. I also asked for extra information on the account to be able to research the debt but was told is under fraud investigation. All I have is the last 4 digits of the credit card I'm missing the other XXXX digits. I still tried contacting XXXX directly and they have no record and could not help me without a full account number. I have contacted Credit Corp Solutions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They continue to tell me they don't know anything and that the account is under fraud investigation. After begin told it would only take 30 days to conclude the investigation. I feel my hands are tied I ran the credit reports as well as contacting XXXX and Credit Corp Solutions and have gotten no information on this account.
Product: Checking or savings account

I opened a bank account at Simmons Bank I had funds in the account, after a few weeks I swiped my card at a gas station and a few days later I saw charges that were not from me. I reported it both to the gas station along with Simmons Bank, I was given a new card and went on, I then learned that my account was hacked by someone inside my house, after learning this I reported it to Simmons Bank and was told that I would need to come to a bank center to report this, after doing that I then which noticed that I was getting charged overdraft fees along with NSF fees. I was told that I wouldn't be charged and my account information would be removed along with getting a new account.
Product: Credit card or prepaid card

This is the second CFPB complaint I am filing because I have not heard from American Express and my second try at coming to a resolution with customer service was unsuccessful. I recently tried to transfer XXXX membership rewards points to a partner airline program, but my request was rejected by the system. The system notified me that my point transfer was denied because my account was membership rewards were under review. I contacted membership rewards and a representative tried to help me transfer the points over the phone. They were unable to transfer the points and received the same message about a review, so they transferred me to customer service. A customer service representative then told me that membership rewards had to help me with membership rewards-related issues, so they transferred me back to membership rewards. The new membership rewards representative again tried to transfer the point over the phone, only to be met by the same notification that my points were under review. After a lengthy hold, the representative was able to explain to me that my membership rewards were undergoing a " standard review '' and that this was normal. I have never heard of this happening to anyone else I personally know who has American Express membership rewards. For context, I earned the XXXX membership rewards after meeting minimum spend requirements as part of a promotional sign-up bonus. All of my spending has been through legitimate purchases and I have never participated in manufactured spending. My understanding is that American Express has stated in its promotion terms that it reserves the right to review the promotional bonus in the 6-8 weeks after the bonus posts to the account. My XXXX membership rewards bonus posted on XX/XX/XXXX. It is now XX/XX/XXXX. We are well beyond that 6-8 week period. I find it extremely unfair and disturbing that American Express would arbitrarily choose to freeze what a customer does with their legitimately earned membership rewards after the standard review period has passed, under the guise of a " standard review ''. I am very disappointed in American Express ' business practices regarding this issue, especially considering that I wanted to transfer these points before a significant loyalty program point devaluation. American Express was unable to provide me a timeline as to when the " standard review '' would be completed, but I have read online from other victims ' experiences that this process can take up to 2 months. The only reason I even signed up for the American Express card in question was to use the promotional sign-up bonus to transfer to points to the loyalty program before the devaluation. Clearly that is no longer a possibility and I feel as if I have been duped by American Express into signing up for one of its high annual fee credit cards after being offered a misleadingly restrictive rewards program.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt XXXX and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. 

Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. 

XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 

3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. 

Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never sent a method of verification letter. This is a violation of my rights there are no proof of how the debt was validated. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had XXXX to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that Santander account # XXXX has put this vehicle on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, # XXXX # XXXX # XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXXXXXX 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under en open end consumer credit plan as late payments
Product: Mortgage

Fall of XXXX my home appraisal & taxes increased by 400 % by Ohio. from $ XXXX to $ XXXX. Adjustment made by mortgage company. " I have paid that inflated amount since. '' I went to XXXX mediations with XXXX of Ohio that ended XX/XX/XXXX. House went from XXXX to XXXX. I contacted Selene Finance in XX/XX/XXXX to report final adjustment and request new escrow analysis. I sent new information on line as requested and kept rep on line to confirm received. I was told they thought I would be getting a check for about {$1000.00}. due to over payments made during mediation. Was told do not be surprised if I get a second refund check at end of year. 

Called back in XXXX to check on progress, none completed. Representative stated that check for over payment should be in the mail any day now. New analysis requested due to decrease. 

Called back the beginning of XXXX to check on progress. No analysis completed, was told analysis was now scheduled XX/XX/XXXX. 

Called back beginning XXXX, told now that a check was sent to me in XX/XX/XXXX. I did not receive this check, requested new one to be sent. 

Called back in XX/XX/XXXX, first customer service rep says no analysis was done and not needed due to small difference. Says they do not see anything about reimbursement check. I say I did not know it was an option to ignore the XXXX analysis requests at that point. Then I am connected with the tax dept, that all reps previously say you can not speak to directly. I spoke to a wonderfully concerned rep by the name of XXXX. He states that he is going to escalate, and that a new check will be generated. Also, a supervisor will call me when new analysis is completed and when the check is sent. 

XXXX weeks later I get a letter stating I OWE THEM an additional {$1100.00}. with XXXX weeks to pay. 

XXXX. A customer can not get a straight answer and gets different information each time the call. XXXX. This mortgage company makes it literally impossible to speak to the people that are specialized. They also do not complete any promises made, with little to no concerns to correct a problem. Call go unreturned or the call disconnects under many options pressed. Unless, a payment is owed ... .they are all over you for payment. 

I am a XXXX veteran that gets my payment from Social Security every month at the same time. I make my payment end of month every month, paying the {$30.00} late fee due to date I am paid. Every month practically for the last XXXX  years they call me to ask why my payment is late. ( always claiming to note acount ). There has been ZERO concern to get my problem rectified from them when they owe me. Please note all calls are supposedly taped, so you can request all calls since XXXX on account XXXX. ( I hope you do ) There is probably more, yet I can give if requested. I would NEVER pick this company for a mortgage. My loan was sold by XXXX XXXX XXXX due to small amount to them. The customer service is nonexistent/inconsistent!! Thank you in advance for your assistance!
Product: Vehicle loan or lease

C # XXXX XX/XX/XXXX was closed?. Capital One Still has not resolved this on my credit, or Refunding me back, Capital one Fees for this Car was/is to much even this New year for a XXXX XXXX, I lose my Job due to not having my car.
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit report that were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These few items on my credit report aren't mine
Product: Debt collection

They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER FILED XXXX XXXX XXXX AND XXXX AND TRANSUNION CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...
Product: Debt collection

I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?
Product: Mortgage

Father does not have the XXXX to sign any loans. Was added as a cosigner to a loan with Quicken Loans. We ca n't get information from what 's going on. However, there is some sort of loan going on.