23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to file a formal complaint regarding Nelnet, the loan servicer for my federal student loan related to my attendance at the XXXX XXXX. I am extremely frustrated with the lack of communication, unclear updates, and absence of a clear timeline regarding the status of my loan discharge and when I will receive my refund check for what I've paid, specifically in relation to the Art Institutes involvement with the U.S. Department of Educations loan discharge program for defrauded borrowers. 

I have made multiple attempts to obtain clear information from Nelnet regarding the status of my loan discharge application, but I have received little to no meaningful communication or updates. There have been significant delays in providing responses, and when I do receive communication, it lacks clear details or a specific timeline on when I can expect a resolution. This has created undue stress and confusion regarding the future of my loan discharge and has left me uncertain about the next steps in the process. 

Despite my repeated inquiries, Nelnet has failed to provide adequate transparency or a reliable timeframe for processing my application, leaving me with little information on the status of my case. This lack of clarity and communication is causing significant concern, especially as the loan discharge program is meant to offer relief to borrowers who were misled by their educational institution. 

I am requesting your assistance in addressing this issue with Nelnet and ensuring that they provide clear and timely updates regarding my loan discharge status and refund check. It is crucial for borrowers to have a transparent process and reasonable expectations, and I would greatly appreciate your help in ensuring that Nelnet fulfills their obligations and adheres to proper communication standards. 

Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Nelnet Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus. 
So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. State law may impose additional requirements.

The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of person
al information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681.

According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs
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 : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my Experian file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my Experian file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have previously reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documents and screenshots of my credit report to highlight the inaccuracies and substantiate my claim. Please investigate this matter promptly and update my credit report with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to all XXXX credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a 1099C which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.
Product: Debt collection

Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
Product: Credit reporting or other personal consumer reports

I lost my wallet back in XXXX around XXXX. I didn't notice any of these inquiries on my report as i am always on top of my credit report. i was getting a little busy with work and had my wife managing my credit. So these inquiries went unnoticed and I chose the fastest route to handle this situation.
Product: Credit card or prepaid card

This is a complaint about the Home Depot credit card issued by Citi. I opened the card because of the promotion to get {$25.00} during the first purchase. I was not able to use it during the first purchase because.I have not received the card. When I used it after the second purchase, there was no {$25.00} credit. I called right away, and as in many instances afterward, was promised that the credit will be within the next one or two billing cycles. The time frame for this is XX/XX/XXXX-XX/XX/2019. I had at least ten interactions with Citi and one with Home Depot. Some of the interaction was in writing. I paid everything above {$25.00} and every monthly statement all the fees were reversed with a promise that {$25.00} will appear soon. Suddenly come XXXX, the representatives starting to say that I was not eligible for {$25.00} because my purchase was made more than a month after opening the card. I did not know about this restriction, and if the representatives were to tell me that right away, I would just return the merchandise. When I requested in writing copies of notes from my account, I was denied. So my complaint is that I was repeatedly promised credit for 3 months and later was denied of it ; and that Citi refused to share account notes despite a written request.
Product: Money transfer, virtual currency, or money service

to whom it concern there was a {$65.00} transaction on cash app someone had cash app someone and it came into my account the individual ask for the money to be refunded after they realize that they had cash app the wrong person I reported it to cash app and they told me what to do and that did not work so I reach back out to them and the rep was very unprofessional and very rude and then hung up the phone on me. I want this person to be refunded back there money so so they can send it to the person it was intended for..I pray and hope that you can help me solve this issue I've been there before and I know what it feels like to lose your money.. thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting that I owe someone named credence resource manage a third party who I have no contract with. I do not owe them any money where is the Contract? Yet all three credit bureaus are let them put this on my report and its not mine I spend to much time trying to fix my credit and this keeps happening.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX  debt bondage, which falls under trafficking according to Trafficking-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 XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$140.00} XXXX XXXX XXXXI Account number : XXXX Balance : {$300.00} XXXX  XXXX  XXXX Account XXXX : XXXX Balance : {$270.00} XXXX XXXX XXXX Account number : XXXX Balance : {$540.00} XXXX - XXXX Account XXXX : XXXX Balance : {$8000.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$8300.00} XXXX XXXX Account number : XXXX Balance : {$510.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$180.00} XXXX Account number : XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account number : XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account number : XXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account number : XXXX Balance : {$1900.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX Account number : XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$240.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$290.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX Balance : {$440.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX Balance : {$8600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) Account number : XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX- I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from XXXX and equifax
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial 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: Money transfer, virtual currency, or money service

General Law Enforcement and Other Government Agency Requests Information for Law Enforcement and Other Government Agencies These guidelines are for law enforcement and other government agencies seeking records from Block , Inc. ( formerly known as Square, Inc. ) and Square Capital , LLC.

Requests For User Information In accordance with our Privacy Notice and Terms of Service, non-public information about you is not released except as lawfully required by appropriate legal process such as a valid subpoena, search warrant, court order, or other valid legal process etc. Upon receipt of appropriate legal process, we will search for and disclose data and information that is specified and which we are reasonably able to locate and retrieve. We are unable to process overly broad or vague requests. Please include as much specific information as possible that would identify the relevant Square accounts and transactions. Learn more about the Square Reader or Squares Information Collection Policies.

Contact Information For Law Enforcement Law enforcement and other government agencies may submit requests by using this request form. ( Recommended Browsers : XXXX, XXXX, XXXX, and XXXX XXXX ). Please note that acceptance of legal process by any of these means is for convenience and does not waive any objections, including, but not limited to, lack of jurisdiction or proper service. Currently our minimum response time is 60 days from receipt of legal process. Please use our request form above to assist with the production of timely responses. Submissions received by mail result in inherent delays and additional processing time. If serving a legal process by mail please serve us via our national registered agent. 

Block , Inc . 

Attn : Law Enforcement Response Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that Block , Inc. ( formerly known as Square, Inc. ) and Square Capital , LLC, do not accept service via email. 

Important Note : Effective XX/XX/year>, Block, Inc. ( formerly known as Square, Inc. ) will no longer accept legal process served to Square , Inc. 

Important note : We do not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/21, I was at work and was alerted that the phone number on my bank account through Chase Bank was changed. I did not make this change. I immediately went on to the banking app and saw that there was a new joint savings account opened in my name by someone named XXXX XXXX ( clearly a made-up or stolen identity, as I have no relations to anyone by that name ) ending with XXXX. {$15000.00} was already transferred out of my savings account. While I was on hold trying to get on the line with a customer service representative, an additional {$30000.00} was transferred out of my savings and checking accounts into this fraudulent account. I immediately filed a complaint and initiated a claim with Chase and went to my local police department to file a police report. I subsequently locked all of my credit bureaus. Two days later I went to a local branch to submit another complaint and to continue with the claim. Five days later I received the official police report and went back to the XXXX branch to submit the official report. The banker stated that she faxed over all the necessary paperwork for the claim to Chase 's Identity Theft Department. Three days later I had not received any updates so I called to follow up on the claim, and I was informed that NO official claim was submitted and no paperwork was received. The next day ( Saturday ), I went to a different branch to follow up once again. All the paperwork was re-faxed, but the bank did not " start working on it '' again until two days later ( Monday ). Two and a half weeks later from when the fraud was completed, I receive a notification that my claim was rejected because the transaction was 'processed correctly or authorized ' and that no adjustment was going to be made to my account. I authorized no such transaction and am hence submitting a formal complaint against JP Morgan Chase Bank.
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.
Product: Credit reporting or other personal consumer reports

Experian inside fraud by employees and managers the facts is were is the information to verify this fraud fake made up name to my experian credit report employee and management XXXX XXXX, XXXX XXXX This name above listed is inside fraud done by employees and management How are experian employees allowed to add inaccurate false made up names to your Credit Report to commit Fraud then press save the name to your credit report Why is Experian employees and management doing this if higher management didnt already OK make it make sense cause it dont inside fraud
Product: Mortgage

I have contacted Wells Fargo Home Mortgage several times requesting copies of monthly billing statements for the years XX/XX/XXXX through XX/XX/XXXX. I have also requested a copy of the XX/XX/XXXX IRS Form XXXX, which they had until XX/XX/XXXX to issue to me, but have failed to do so.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX calls me and my girlfriend about 6 times a day, about 20 times in the last week. I called to find out the frequency of the calls and was hung up and continuously put me on hold.
Product: Credit reporting or other personal consumer reports

Father has same name ( not to include XXXX ) He passed away 2 years ago. His debts and identity are on my credit reports and I can't verify my identity as some agencies have my fathers identity on mine.
Product: Credit reporting or other personal consumer reports

TransUnion declined a finance application I submitted with XXXX. 

XXXX emailed me to say TransUnion had provided a credit report against me that prevented an application from me with XXXX progressing. 

TransUnion unable / unwilling to provide me any report, information, reason about this report through their customer support because I am not XXXX. 

As I don't have a SSN they are unable to assist even though they have issued a report against me which I am unable to see or query.