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

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$15000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$13000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$14000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$8900.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$4100.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Mortgage

I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.
Product: Checking or savings account

Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IAM A VICTIM OF IDENTITY THEFT.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00}
Product: Student loan

I requested a switch to the SAVE plan in XXXX, XXXX, and filled out the requisite form on Nelnet 's website. I have not received any updates or correspondence from them since. Three weeks ago, I logged into my account at Nelnet and saw a notice ( attached below ) that they can not process my application unless I pay a fee. However, they do not state the amount owed or provide a means to pay this mystery fee. The notice says I should have received something by mail or email re : the amount due and how to pay it, but I have never received anything from them. I emailed Nelnet two weeks ago and requested clarification on this issue, but never received a response. Attempts to reach them by phone have proved futile due to hold times in excess of four hours with no call-back option. Presently, the Nelnet site says I don't have any payment obligation until XX/XX/XXXX, but that makes no sense. It says I have {$0.00} at this time despite the notification to the contrary ( the mystery fee ). 

According to posts on XXXX XXXX  interest may be accruing during this time, yet I have no idea what amount I need to pay to cover my interest each month.
Product: Credit card or prepaid card

Did not receive notice for interest rate increase and when I called they explained nothing they can do couldnt even tell me when interest rate increase took place and could not negotiate with me could not even look into their own system to tell me. 30 % apr
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized XXXX  parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), XXXX U.S.C. XXXX ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
Product: Credit card

Hello, on or around XX/XX/XXXX and between XX/XX/XXXX I notified TD Bank USA N.A. that an unauthorized user had access to my card. I also advised them that the same unauthorized user also had access to my mailbox. Furthermore, I started I do not have access to my mailbox at this time. I advised them to shut the card off, until I can get the keys changed and I will call them back to my issue the new card. they told me that it could not be shut off, without mailing a new card. I once again reminded them advise them I do not have access to my mailbox if you issue me a new card the unauthorized user will have access to my new card. so I need you to please shut the card off for now. They did not shut the card off, and continued to put my ( PII ) It personal identifiable information at risk. By providing the unauthorized user with my ( PII ) and allowing the unauthorized user to continue to name purchases with my card. On XX/XX/XXXX nearly a year after being notified of the incident. They negligently approved an unauthorized transaction in the amount of {$32.00}, placed by the unauthorized user that gained access to my account. They did not freeze or place the card on hold after they were notified of the breach of ( PII ) and physical use of said card on or around XXXX nearly 1 year later they continued to allow the card to have unauthorized charges for an entire year after they were notified and continued to deduct non-consensual payments from my bank account. 
This is now led to a civil action and the card was subsequently charged off in XXXX of XXXX almost 2 years after being notified that an unauthorized user had access to my card. They failed to uphold their requirements as a US banking institution under the land of the United States and ultimately should be held accountable for all incurring charges and interest applied after the date of XX/XX/XXXX. This needs to be made aware of. So that others may not have to suffer the same. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is Equifax by sending XXXX written request As XXXX XXXX ( Vice President of advocacy management office )!

However XXXX  Never responded to my request!!!!
Product: Student loan

Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXXXXXX University - XXXX XXXX XXXX XXXX campus. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
Product: Debt collection

I am filing the complaint as I was alerted to a new collection reporting to the bureaus via my credit monitoring site for {$180.00} on XX/XX/22 and that I received no communication via USPS or phone attempts prior to it hitting my credit. I reached out to the collector who advised they would delete their collection with payment, with that understanding I then paid. However, my grievance is due to the fact they only updated the collection to paid status with the bureaus when it was paid with the intent and understanding it would be deleted with payment. Due to erroneous & misleading collection practices I would like the collection removed post-haste.
Product: Debt collection

Midland Credit Management is in violation with a collection account amount increase. No collection accounts amount owed can increase. This has happened several times. Ive reported this on several occasions. Every time I report on this collection account. The collection amount increases on XXXX Credit Report. This account was removed on XXXX and XXXX Credit Reports. I have a recent complaint about this account. Now, a few days later. This collection account on XXXX Credit report. Has increased again. I know a collection accounts amount can never increase. This is a clear violation of FCRA. Why hasnt the CFPB? Done something about these clear violations by Midland Credit Management?
Product: Debt collection

While going through a divorce in XXXX my ex-husband and I were told by the judge to separate our combine debts and pay the debts off. There was a debt from XXXX XXXX 's XXXX XXXX XXXX XXXX that my ex-husband advised he would pay in the amount of {$760.00}. Therefore, my ex-husband advised he settled the debt with a company called XXXX XXXX XXXX. at XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ). In XXXX of XXXX I started receiving harassing phone calls from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) stating this is an attempt to collect a debt for XXXX XXXX  in the amount of {$760.00}. XXXX XXXX filed bankruptcy years ago. After several harassing calls I decided to settle the debt for a lesser amount of {$370.00} on XXXX with XXXX XXXX XXXX ' agent XXXX XXXX, who I gave information to my bank account to make a one-time ACH. On XX/XX/XXXX, at XXXX, I received a call from an agent name XXXX XXXX this is an attempt to collect a debt for Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) for XXXX XXXX. I advised XXXX XXXX that I settle this debt for a lesser amount with XXXX XXXX XXXX XXXX. I advised XXXX XXXX that I could provide a confirmation number. XXXX XXXX advised that anyone could give numbers, which I felt was unethical considering that XXXX XXXX XXXX provided the confirmation number after the ACH. This debt is being reported incorrectly ; therefore, I contacted all three credit consumers to dispute the account because it's been paid twice.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received 2 inquiries from Capital One and I have never applied for any credit cards or auto loans through them. They couldnt even produce an application showing I applied with my correct information.
Product: Credit card

This is another update to the original complaint : XXXX XXXX The following attachments show there was no USPS investigation until the buyer, XXXX XXXX requested one XXXX The USPS responded with a letter, attached. XXXX XXXX told me on the phone their records show no inquiry or claim was made by the seller. 

Another attachment will show my response based upon this investigation, that was sent to executives at American Express.
Product: Debt collection

A debt collector by the name of XXXX XXXX XXXX also known as Roosen Varchetti and Oliver sued me and obtained a default judgement against myself and proceeded to garnishing my wages on debt that was never verified. I received notice of the garnishment XX/XX/XXXX without receiving a summons for the garnishment more than 3 days after date of service. XXXX XXXX purchased my account from the original creditor and the creditor never sent notice of this information nor did either the creditor or debt buyer send me in writing proof of a deficiency balance, and they never verified the debt with myself and I have reached out to the debt buyer to advise of this information and filed a motion on the underlying judgment to stop the garnishment in which I was required to mail to the debt collector as well. Debt laws require verification of the debt to be sent to the debtor before pursuing the debt or collecting on said debt. XXXX XXXX failed to prove they own the debt or why I owe them more than {$8900.00} + {$1000.00} in interest fees and it makes no logical sense nor have they provided documentation proving the debt. I also filed a bankruptcy in which I received a discharge yet they were able to bypass this and garnish my wages. I called XXXX XXXX XX/XX/XXXX to let them know they are wrongfully collecting on debt that was DISCHARGED and debt that was never verified.
Product: Student loan

On XX/XX/2023 Navient student debt collection called my personal cell number for someone elses loan. They left a message claiming it was urgent, and that I needed to call them back regarding a business matter as soon as possible. When I called back and asked how they received my number for someone else 's loan, they claimed my number was listed as a contact on the account. That is untrue, and I told them so. Being single and not listed as anyones contact, I knew they were being deceitful. After asking 3 times where they received my number and stating I was filing a complaint, Navient then changed their story and reluctantly stated they received my phone number from " skip vendors '' but wouldnt be more specific. I demanded my number be removed from her database as I have not had student loans in over XXXX XXXX. They are obtaining numbers in a malicious and dishonest manner.
Product: Credit reporting

i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.
Product: Debt collection

Under XXXX XXXX XXXX XXXX asking that debt please be removed from my credit soon as possible.