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

In accordance with the fair credit Reporting act XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an updated report, So Equifax requested identification, I sent all the documents that were requested but after 90days I havent gotten a response.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under XXXX U.S.C. XXXX ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX - XXXX - {$140.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

Transunion sent me a credit report ( re complaint : XXXX ). 
I found that there was important information missing on my credit report related to my credit card payments. 
I attempted to submit a dispute online ( XX/XX/year>? ), but the website showed " We're unable to complete your request online. ", I got this option before even entering what the dispute was related to. ( It still shows this error ) I then contacted an agent via the website 's chat feature. The agent said they would be happy to submit a dispute for me. I gave them all the details as they requested and they said the dispute had been submitted. 
I heard nothing from Transunion and checking my account now it does not show that I have submitted a dispute.
Product: Debt collection

Attempts to collect debt not owed ( debt was only {$50.00} and paid in full/satisfied almost ten years ago ; XXXX, Wachovia ( Wells Fargo ), and I have proven documentation of this ) Written notification about debt ( never received any notification in writing of a 1,000 plus debt as it NEVER existed ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Took or threatened to take negative or legal action ( threatened to sue, arrest, seize property, deport, collect exempt funds, damage your credit ( report to XXXX  again with a fabricated amount, XXXX is aware it was paid, satisfied, AND ALREADY REMOVED years ago and was only {$50.00} NOT 1K plus )
Product: Student loan

I received an email on XX/XX/23 from my previous student loan lender, Great Lakes, informing me that they were merging with Nelnet. In this email I was also advised that the transfer would begin on XX/XX/23. On XX/XX/23 I received an email from Nelnet informing me that my information had been successfully transferred to Nelnet from Great Lakes and I could set up my account. I did set up an account through Nelnet and was very disappointed to see that they had not added any of my previous payment document to my account. I sent them an email right away requesting they send me that information. I did not receive an email back until XX/XX/23 and it was very impersonal automated response : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit XXXX. 

Im a former Great Lakes borrower and looking for my payment history. How do I get it? Were in the process of obtaining payment histories from Great Lakes and making them available to view through your XXXX account in the coming weeks. Please look for new documents to appear in your Inbox once your payment history is available. 

After I received this email I have been patiently waiting for those documents to appear on my Nelnet Account. I am not pleased that student loan payments have resumed and I still dont have this information. I looked at my account today XX/XX/23 and my account actually stated that my loans should be available if I opened my inbox on my account and after following their directions and only seeing the history from this past months statement I preceded to email them again stating that I had not received any of my past payment history and that if I didnt in the next 30 days I would be opening a lawsuit against them. That is why I am filing this complaint. They are withholding information that I am entitled to have full access to and it is simply unacceptable.
Product: Debt collection

My checking account was overdraft after I had asked them to stop payments and they refused to do so putting my account overdraft they did this for 6 months after the last stimulus payment went in and my account had a XXXX balance I asked for that account to be closed they failed to do that and just let the same stop payments continue over drafting the account I had asked to be closed again now they want me to pay that
Product: Credit card or prepaid card

Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43  years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.
Product: Credit card

Letter sent to Big Lots XX/XX/XXXX XX/XX/XXXX Big Lots XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Account XXXX Ending in XXXX I am contacting Big Lots to advise I will not be paying the Late Charge from the XX/XX/XXXX statement and now the interest on the XXXX statement. I have numerous credit cards ( XXXX XXXX, XXXX, XXXX, etc ) and have never had a late fee charge on any of these cards. I continue, every few months, to be charged with a late fee from Big Lots. 

Quite frankly, I have no idea what is going on with your Accounts Receivables, but I believe mail is being held in order to charge late fees to consumers. I am sending a copy of this letter to the XXXX & FTC for further investigation. 

You may contact me with any questions. 

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

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

To a period following that of XXXX - XXXX, either prior or following of which I would have made a few to several consumer complaints ; of which some matter of material would have applied or been held applicable to that of Bank of America practices towards consumers ; which would have otherwise resulted in examinatory scrutiny taken against such institution to the result of Consumer issue attentioning and for failure to otherwise meet such. Wherein either prior or following of which to such stated period, former President Barrack O'Bama would have non-directly signaged towards self to switch to an otherwise Banking solution to some guise of therein examined election ; perhaps relevant whether or intention to the futured identity XXXX and future livelihood or liveable XXXX of life to self regarding financial foundational wellness ; therein towards removal of orientation to that of furtherwise detiorating Health to a sense of organ kidnapping and murder relational interesting. Such is to simply highlight the manner of which to such causal occurrence that the former President may have engaged in actioning therein orienting to deterring consumer examination towards Bank of America practice as America 's leading financial institution ; to political or otherwise relational interests, be such to any regard of so.
Product: Debt collection

Repeatedly calling a family members phone number even when payments are mailed to them. Not identifying themselves when they call my phone number.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues I have encountered with my Bloomingdales Credit Card account which is serviced by the Citibank. 

Every months, I am not unable to access my account online to view statements or make payments. Each time I attempt to log in, I receive an error message that says, " Sorry, it looks like there's a problem on our end. For assistance, please call XXXX. '' I have waist a lot of time and efforts to try accessing my account. I have to use various devicesan XXXX computer, a XXXX computer, and both XXXX and XXXX phonesacross multiple browsers and via the Bloomingdale 's app, but the problem persists across all platforms. 

On XX/XX/year>, after receiving my monthly statement, I again attempted to log in to make my payment but was unable to do so. I contacted Bloomingdale 's Citi Credit Card customer service, and despite following their troubleshooting suggestions ( resetting my password, rebooting devices, uninstalling and reinstalling the app ), the issue was not resolved. I was informed that my case would be escalated and I would receive a callback in 7-10 business days. I find this delay unreasonable, as customers should always be able to access their accounts to view balances, check statements, and make payments in a timely manner. 

While customer service offered temporary solutions, such as sending me a PDF of my statement or accepting payments over the phone, I believe that these workarounds are insufficient. I expect to have reliable access to my online account, which is essential for managing payments, rewards, purchases and tracking packages. 

This is not the first time Ive encountered problems with my online account, and the inability to access my account has caused me significant frustration and inconvenience. I expect a company on being high-end to offer a seamless customer experience. Unfortunately, the technical difficulties and lack of prompt customer service response Ive experienced are far from that standard as they are failing to provide adequate service to their customers by not resolving this ongoing technical problem. 

I would appreciate your assistance in investigating this matter and ensuring that Citi Credit Card which is affiliated with Bloomingdales will provide a satisfactory resolution.

Thank you for your attention to this issue.
Product: Student loan

Dear Sir/Madam, XX/XX/XXXX. Good Morning. Happy XXXX XXXX. I am still awaiting on the forms to file a complaint on my student loans. I only owed about {$360.00} on my student loans and I have proof of my balance. I tried to contact Nelnet student loan services about 24 times with no success. My social security # XXXX XXXX XXXX and my e mail is XXXX and my telephone # XXXX, My address is XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, NY XXXX. Please send me the forms to file a complaint that I applied for since XX/XX/XXXX. Thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawBANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent pull of my consumer reports I noticed the furnishing of inaccurate information being reported that is damaging my credit score tremendously. After I disputed it, the information came back verified. However one look at the supporting documents clearly show it is not accurate. I also disputed with the furnishing company but to no avail.

This is a junk debt buyer who is furnishing a 1 month term even though I have no agreement with them. They are also reporting failed to pay every single month in an attempt to damage my credit, even though I've never agreed to pay them anything. They are also reporting a past due balance which a junk debt buyer can not do. A collection should be reporting as such. The account statues also states closed on two reports and open on another. It is the furnisher and consumer agency who is responsible for reporting accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : 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. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

this is dated last XX/XX/2020. 
regarding the credit amount of {$4800.00} plus transaction fee and penalty fee. 
because they didn't resolved the disputed amount but I sent already and provide all the documents that they request. 
the reason why I wanted to refund was because I was in a subtle way cheated and deceived with all of my hard earned money. In fact, I have an evidence to prove that they were lying about the price on their website. The price has not been updated up until now.
Product: Vehicle loan or lease

Check was delivered to Chase Auto to payoff an auto on XX/XX/2020. As of XX/XX/2020 this check has not be processed. Have confirmed with Chase Auto that the check was received ( an have proof of delivery of receipt ). 

Have called multiple times and each time get a different answer as far as when the payment will be applied and the title and overpayment amount will be sent. This payment was send overnight delivery and according to the first customer service rep would be processed in 1-3 days. Then was told 7-10 days. Then within 10 days. This is the 13th business day and still nothing. 

I called to escalate the issues with Chase Bank. Was told there was no escalation options. Each time I am told there group is understaffed and behind on processing payoffs. Each time they say how sorry they are but that they can't do anything to speed this up.