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

I am writing to submit a complaint the following information Nelet Inc. supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former XXXX, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Nelnet Inc. remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing concern. I have also reached out to Nelnet in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest
Product: Checking or savings account

I was expecting XXXXhree deposits. Capital One deposited my two small deposits but have not deposited my payroll deposit. My account is overdrawn now because they allow some transactions to go through but theyve also rejected transactions. They have provided little communication and that has been lies.
Product: Debt collection

I have two collections, from the same company, I have disputed them through the credit agencies but the companies keep saying that the debt is mine, but they have never sent me any notification or proof that it is mine. I asked them to delete it, but they refused. the company is called midland, and there are two collections, one for {$450.00} and another for {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number  XXXX XXXX XXXX Account Number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I am unaware of this situation, and the company proceeded without my consent.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT Bankruptcy XXXX XXXXdischarged US BKPT CT CA XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a problem on how XXXX XXXX XXXX XXXX has handle and how it has reported to the credit bureaus XXXX and XXXX, when we give XXXX XXXX XXXX back what we had purchase from them as a one week vacation per year. 

So first-able after paying 4 years of installment payments and maintenance fees, I came to the conclusion that the dream week vacation that was promise to us, it never came tru, we ware an able to book any vacation on another vacation villas, in another state, as it was promise. we could not choose a date, they always give us to choose the days that they want. 

So in XX/XX/2021 I stop sending payments, I wanted to give rid-off the timeshare, I call many times and ask if they would take the timeshare back and they told me that they were not able to do that, so I stop paying. 
So now that I'm checking my credit I saw two issues with the way XXXX XXXX XXXX XXXX has report it. 

1.- This purchase of a week vacation should not be report as a Mortgage, it should be report as Installment Debt. Timeshare is not a Mortgage. 

2.- The derragotorry payments shold have stop been reported on XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> I noticed my credit score dropped XXXX points. The reason they gave was as follows : The percentage of your accounts always pad on time has decreased by 50 %. Your percentage of accounts with no delinquencies decreased, which usually means since your last report there is at least 1 new delinquency on an account that previously didn't have any. 

The problem with that statement is I don't have any delinquent accounts at all. No accounts on my credit file is reporting not paid because all my accounts are in good standings and I have my accounts set up on auto pay. This drop in my credit score warns for restitution because this could prevent me from getting credit or a good interest rate when applying for credit. Or I could be turned down for credit due to false information this credit agency is reporting. I have documents supporting this claim. My score was a XXXX before this XXXX happened taking me from good to bad credit at a score of XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Mortgage

I have been trying to work with them and all they do in give me the run around. I recently uploaded a third party authorization as well for my counselor so he can help me save my home! They refused to speak to him over the phone.
Product: Money transfer, virtual currency, or money service

Hello, I recently decided to sell an item over ebay on PayPal and I also added funds to my PayPal account. Once I sold the item which was only a collectors edition video game my account was permanently limited because they apparently claimed they feel Im tied to another account.

After being told it would be fixed, I was told it wouldnt because Im considered a risk due to apparently sharing some sort of information with other acts that have negative balances which they couldnt go into detail about. They are planning on holding my {$510.00} hostage for 6 months saying I have a potential for possibly being disputed from my transaction. 

I dont u derstabd this practice of singling out people and claiming that they dont think theyre a bad individual but then in the same breath claiming that PayPal feels theyre a risk for simply selling an item that I bought at XXXX and decided to sell on XXXX. PayPal should be ashamed of themselves for doing this. I really would like my money now not 6 months down the road.
Product: Credit card or prepaid card

Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a housewife since married. Had been a housewife for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out to address the following incorrect information provided below. The items listed on this letter have been falsely reported to my credit reports. The accounts listed are incorrect and Id like them to be removed due to the inaccuracies. I am a victim of Identity theft and the accounts listed below are unrecognizable reports. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the items listed below that are reported in my credit reports. Please advise. Thank you in advance for your efforts. Take care.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX  2015-XXXX 2015 emails and in person visits to the local branch. 
I had a vehicle loan with Wells Fargo and I would be charged random fees which wouldnt be paid bc I made my car payment and no extra so those fees accumulated for fee and late fees that I was not notified about until I was threatened with a repo over a nominal amount. During this time I had to have a checking/savings account open to be able to have an auto loan so the bank would attempt to pull from that account as well again not having the correct funding it would decline and again with the fees. Due to having to finance the vehicle loan I opted in for XXXX insurance with this bank as well bc it was required and offered at a cheaper rate than the dealership, when it came time to trade my car in I was unable to get my partial XXXX  back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account with the credit bureaus. I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
Also according to the Fair Credit Reporting Act, other laws should be followed as well are below but, you have failed repeatedly to take action and delete this damaging information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681n
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED T0 LEARN I HAVE BEEN A VICTIM OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT CLOSED ACCOUNTS AND COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL THIS CLOSED FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS XXXX. XXXX XXXX  XXXX XX/XX/XXXX ACCOUNTS NUMBER XXXX, BALANCE {$890.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX, BALANCE {$1800.00}. XXXX Original creditor : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, BALANCE {$2300.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. 

THANK YOU IN ADVANCE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Subject : Violation of Consumer Rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I am writing to formally lodge a complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding multiple violations of my federally protected consumer rights. The following accounts have infringed upon my rights to privacy, confidentiality, and accuracy under 15 U.S.C. 1681 : Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Outline of My Rights Violated Under the FCRA : Right to Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure that information they report is accurate, complete, and up to date. 

Right to Privacy ( 15 U.S.C. 1681b ) : Your credit report can only be accessed by parties with a permissible legal purpose. 

Right to Dispute ( 15 U.S.C. 1681i ) : You have the right to dispute inaccurate or unverifiable information, and agencies must correct or remove it if it can not be verified. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary actions to ensure compliance with the FCRA. I look forward to a prompt resolution and appreciate your attention to this matter. 

Please keep me informed regarding the status of this complaint. Should you require any additional information or documentation, I am prepared to provide it. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX