23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

1.I have never had an account with this company NELNET from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion regarding unauthorized inquiries on my consumer report. My complaint addressed inquiries from XXXX XXXX XXXX. TransUnion decided to send me a report stating " been verified '' on accounts that I didn't dispute. I already know that I have a truck loan, also the XXXX card I'm aware of these accounts. TransUnion has given me information that I'm completely aware of this is not what I disputed. What aspect of Metro 2 was used for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a representative at XXXX XXXX XXXX that multiple fraud checks were attempted to be deposited into my account and were returned as frauds. 

They informed me to contact consumer agency reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX taking more than 30days
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app, ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Fairness 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I have sent correspondence to the relevant parties more than 30 days ago, but have not received any response, nor have they adequately validated these entries. I am seeking your help to address this issue.
Product: Checking or savings account

Wells Fargo Bank NA, made a " temporary deposit credit for negative balance prior to stimulus payment ''. This deposit credit will be removed in 30 days, thus unneedingly inflating my available balance. This means I thought I have more funds available to use than what I thought due to the inflated balance, which will result in additional fee revenue after the credit is debited from my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) has violated my rights! Also i would like this inaccurate public information removed ( XXXX  XXXX Bankruptcy Reference # XXXX ) and i made no credit application with these companies ( XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX  XXXX  XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit card or prepaid card

Please, Help me to with that issue. 
I have amount sent by unemployment for those period bud i never received the card. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 Thanks in advance for your assistance.
Product: Debt collection

XXXX XXXX XXXX had reported on my credit report that I owed them {$1500.00} which I disputed and submitted documents to them and all XXXX credit bureau. XXXX of XXXX, Today is Thursday XX/XX/XXXX I checked my credit report and noticed that Source Receivable has placed a collection account on my credit report, for the same debt as before, I reached out to them asking for a written contract between them and myself. I then reached out to XXXX, XXXX, XXXX, which I submitted documents before explaining that this account is not mine and its someone using my information, the collection account was removed from my credit report and now XX/XX/XXXX its back on my credit report. Stating that I owe XXXX  {$1500.00} Ive never had XXXX and this is not my debt. I also submitted a copies again to all 3 credit agencies of the letter that I had sent to each credit bureau before explaining to them that I had disputed this account before and now its back on my credit report.
Product: Student loan

This complaint is about the student loan debt I acquired from XXXX XXXX XXXX in XXXX, Illinois. The school was a fraud school that lied to me about job placement if I attended there and graduated. 
I took out student loans in XXXX to XXXX to attend XXXX. in XXXX, Illinois, XXXX. 
After graduating from XXXX. I made several attempts to figured out what job they were going to find me, but all the attempts were met with lies of having to call back or being sent to the voicemail. 
I found out that U.S. XXXX XXXX XXXX has gotten involved and deemed XXXX XXXX XXXX a fraudulent school that lied to a lot of us. 
As of today XXXX XXXX is shutdown, because of the federal government and I'm stuck with student loans because there fraudulent practice. 
On XX/XX/XXXX I was made to take out {$9400.00} & {$4300.00} in student loans. 
I am making a complaint, because this school was a fraud. 
Please release from these student loans. 

XX/XX/XXXX for {$9400.00} and {$4300.00}
Product: Checking or savings account

My scheduled direct deposit has not deposited into my checking account. I have it deposited into XXXX different accounts at different banks. I verified with my payroll it is a banking issue. Capital One is already over a day late and it will cause me to be late on payments as I'm unable to transfer at this time either.
Product: Mortgage

I already have a mortgage through NewRez ( XXXXNEWREZ LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and back in XXXX I started shopping around for a refinance. I turned down two lenders in order to refinance through my existing mortgage company, NewRez. I was given a loan estimate on XX/XX/ and I've had my closing dates rescheduled for months and my rate lock extended for months. The process dragged out so long that interest rates went up and I had to stick with the loan application I had with them or risk losing the rate I could only get through them due to the rate lock. Then, when I finally did have a firm closing date and time scheduled ( which is Friday XX/XX/XXXX), I'm being asked by a third party handling the close locally to wire closing costs in before the close but I'm 24 hours from closing and I still have not received a closing disclosure and I do not know what the final terms of the loan are or why my closing costs have jumped from the estimated {$3200.00} to {$5500.00} due. I understand that the pandemic has slowed things down but it's taken almost five months to close and for my conventional loan I'm supposed to have my closing disclosure three days prior to close. This company shouldn't be offering refinances or mortgages.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I requested debt validation and verification of a collection reporting on my credit report in the amount of {$XXXX} from XXXX XXXX. A proper investigation was not rendered by Experian and I did not receive proof of assignment or contract that grants legal authority to collect on this debt. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian highlights systemic issues with sham investigations, underscoring the importance of compliance with federal law. Per the FCRA, Experian must verify disputed information with evidence such as original creditor contracts or delete the inaccurate entries.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I am writing to formally dispute multiple inaccuracies in my TransUnion credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors have likely caused a mixed file and invalidate the accuracy of all reported accounts. Under FCRA 611 ( a ), you must conduct a reasonable investigation and delete unverifiable data. 

Critical Personal Information Errors Misspelled Names : Incorrect : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Correct : XXXX XXXX XXXX. 

Fraudulent Addresses : Incorrect : XXXX XXXX XXXX ( XXXX, CT ), XXXX XXXX XXXX XXXX XXXX, NJ ), XXXX North Av ( XXXX, CT ). 

Correct : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( no other addresses since XX/XX/XXXX ). 

Unauthorized Employers : Incorrect : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. 

Correct : Self-Employed ( no other employers ).

Legal Violations FCRA 607 ( b ) : Requires maximum possible accuracy. Misspelled names and fraudulent addresses prove TransUnion failed to verify data.

Texas Finance Code 392.304 ( a ) ( 8 ) : Prohibits misrepresenting personal information.

Risk of Mixed File : Errors like XXXX XXXX and out-of-state addresses suggest my file is merged with another consumers data. 

Demands Immediately correct all personal information to reflect : Name : XXXX XXXX XXXX ( no suffixes, typos, or aliases ). 

Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( remove all others ). 

Employer : Self-Employed ( remove all others ).

Delete all accounts tied to incorrect data, including : Addresses in CT, NJ, or any location other than XXXX, TX. 

Employers like XXXX or XXXX XXXX XXXX XXXX. 

Any accounts opened or reported during periods I resided outside Texas ( e.g., XXXX ). 

Confirm deletions/corrections in writing and provide a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : Citing TransUnions failure to maintain accuracy under FCRA 611.

Texas AG Complaint : For violating Texas Finance Code 392 ( statutory damages up to {$20000.00} ).

Lawsuit : Seeking damages for defamation, emotional distress, and FCRA violations.

Enclosed Documents ( Proof of Identity/Address ) : Copy of Texas Drivers License . 

Utility bill ( XXXX, TX address ). 

Social Security card. 

Contact Information : Phone : XXXX Email : XXXX Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Texas Attorney General
Product: Vehicle loan or lease

An advance payment, was sent and they changed the payment date.to XXXX XX/XX/2020 and the first payment was sent XXXX 16/2020.and they still charged more interest. and they do not give me an answer as to why they changed, the date to. The XXXX of the each month to XXXX & XXXX of each month and that is why they charge me more interest and they have not communicated with me. 


I just need you to answer.me why you are with more interest and why the dates changed. 
,
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

For several years, starting around the year of 2015, I opened an account ( checking ) with SunTrust. It was me we explained how much it would cost me if I overdraft my account. My paychecks came in on every Friday and by the next I had already accumulated many overdraft fees, which doesn't add up. If I would have been informed properly of overdraft fees and there would have been conversation regarding opting out, I would have done so. I brought this up to the bank and was brushed off. I called and spoke with SunTrust and was basically brushed off time after time. After a couple of years, I was finished with SunTrust and XXXX XXXX on to XXXX. XXXX  XXXX the very same, but made right of their wrongs and refunded my family for all the overdraft fees for two years, which accumulated almost $ XXXX. Then, explained the overdraft fee, how it works and how to opt out, instead of being taking advantage of. As an old SunTrust member, I feel that I am owed. It seems wrong for the bank to benefit off of it's members. Funny how all these banks have realized and are refunding their wrong doings after being pressured by those they knew couldn't meet these overdraft fees and live by meeting bills, feeding their families, keeping a roof over their heads and just taking advantage of people 's hardships.
Product: Mortgage

Back in XXXX of XXXX, I already knew I was going to have an issue with employment, so I called 21st Mortgage to see if I could possibly give back the property in lieu of payment. I was told that they can not do that. I informed them that XXXX 's payment may be late due to possibly being unemployed come XXXX. The rep said its ok as long as I make some kind of effort to pay the mortgage. XX/XX/XXXX, I get a phone call from 21st Mortgage telling me I have until XX/XX/XXXX to pay XXXX 's payment. I explained I had yet to find another place of employment and was working on not only paying them but other bills owed as well. XX/XX/XXXX I get a phone call asking what I could pay. I said I didn't have it yet. I was then asked why didn't I ask family members for it. I said I didn't have that option and asked if there was a way to put the owed amount on the back end of the mortgage or some other financial hardship option. The rep became rude and Proceeded to tell me that she could talk to her manager. Manager gets on the phone and proceed to be disrespectful towards me. I heated at this point. Manager then says since I was refusing to pay that they would repossess the home. Payment wasn't even 30 days late and she was already threatening repossession because I was " being rude, acting like a child, and unwilling to be responsible and pay on a vacant home ''. I hung up angrily ( I cussed her out ). I've refused to answer emails and calls because when I tried to complain about my experience to their customer service department, I was told 21st Mortgage doesn't have a complaint department. Gee, I wonder why? I finally received a last check from my previous employer ( I'm still looking for work ) and attempted to pay them XXXX 's payment. The rep was immediately rude to me ( as though previous conversations with the other reps were personal ), and told me until I answer whether or not I have an attorney I can't make a payment. I advised I was just trying to make a payment. The rep parroted me and said he was just trying to get an answer to his question. I'm flabbergasted by the rudeness of everyone I've spoken to at 21st Mortgage. No professionalism from any of them. It's like because I was XXXX off with a previous person I apparently deserve to be disrespected from now on and talked down to.