23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good morning, when I called, who I believed I was talking to XXXX ( Nelnet ) department of education about my student loan, but I am now realizing I was transferred over to a scam. They transferred me over to a company called XXXX XXXX XXXX XXXX. This company had all my information from Nelnet, including the exact number of my student loans and my address and social, so they convinced me I was talking to the right people. I was calling about loan forgiveness and they put me on hold, came back and said I qualify and would only have to pay {$490.00} down and then {$59.00} for the next accrued months. This was in 2021. I signed a E - contract and everything, filled with all my personal info that they had already from Nelnet, including my social on XXXX XXXX. I have been paying for what I believed were my student loans from the department of education since XX/XX/2021. They not only were taking XXXX out of my account they doubled it through different names like ( XXXX XXXX ) and ( XXXX XXXX XXXX  ) making my monthly payments 2x. When I looked at my statements, I started to realize this pattern and contacted my bank. I then had received a notification that I was to start with paying my " Student loans " with ( XXXX XXXX  ) after XX/XX/XXXX. So, I reached out to ( Student loan processing center, and no one answered me. I stopped the payments and started to do my research and noticed a lot of other individuals have been targeted by this company through Nelnet ( XXXX ). They have a site that states to file a claim against them for doing this! They are now trying to reach out to me since I stopped my payments which was doubled without my knowledge. 

When I reached out to them what my current balance is on my loan and they never answered my question just texted me saying they emailed me with it, but the email is requesting my XXXX due to the stopped payments that were ensured from my bank. 

The way I was scammed through a government department of education site has caused me so much stress that they have my information my social, my families address, and date of birth. And being that I thought my loans were being paid this whole time I am lost on the next steps I have to take. 

I would like my money returned to me. I would like this company shut down and charged for doing this to people who work hard to repay their debts. A investigation should be put into the company at Nelnet transferring protected calls over to these scammers. Please help me I don't know my next steps other than I believed was paying this whole time for 2 years almost 3. 

I will attach files only to a trusted government official. The files I have attached are not the only evidence I have that show clear scamming has been done to me through the department of education ( NelnetXXXX ) and this third party they connected me with ( XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent inquiries. Someone stole my identity and opened up the fraudulent inquiries in my name. 

Please DELETE the following fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2024 XXXX XXXX, XXXX XXXX XX/XX/2024 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 under the following circumstances and no other : ( 2 ) in accordance with the 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 unauthorized inquiries listed IMMEDIATELY! 

15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( B ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation 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. Code and 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

If your company fails to respond to this request within 30 days from the date of your receipt, all references to these inquiries must be removed from my credit report. I'm sharing a copy of my ID, and bank statement to verify my identity. Also, I have included relevant documents, including an ID Theft Report from the Federal Trade Commission. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX
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 Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXDate of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX  ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.
Product: Student loan

My employer was going to pay $ XXXX on behalf as an employee. However, this amount would be reduced due to the taxes withheld. The amount should be close to {$5500.00}. 

The payment was made to aidvantage approximately 30 days ago. However, the payment has not been posted to my account. Interest continues to accrue at approximately 5 % interest. 

I have contacted aidvantage via their website help page, and after each submission the website thanks you for your email to aidvantage. I have contacted them three times in the last three weeks and no response has been received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " As indicated by the Fair Credit Revealing Demonstration 15 USC 1681 segment 602 a states " There is a need to safeguard that buyer detailing offices practice their grave liabilities with decency, unbiasedness, and a regard for the shopper 's on the right track to protection. '' XXXX and XXXX are purchaser detailing offices and I'm the Shopper. I reserve the privilege to ensure my confidential data isn't shared which is supported by 15 USC 6801 which states '' It is the approach of the Congress that each monetary establishment has an agreed and proceeding with commitment to regard the security of its clients and to safeguard the security and classification of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary foundation by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any buyer revealing organization might outfit a purchaser report under the accompanying conditions and no other : as per the composed guidelines of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Shopper detailing offices XXXX and XXXX don't have my agree to outfit this data and they certainly don't have my composed assent. All agree to XXXX, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or in any case is renounced. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the buyer is given a clarification of how the purchaser can practice that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no shopper detailing organization might make any customer report containing any of the accompanying things of data Some other unfavorable thing of data, other than records of convictions of violations which predates the report by over seven years. '' This record is an unfriendly thing they are detailing again without my consent which is illegal. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a shopper to any customer detailing office on the off chance that the individual knows or has sensible reason to accept that the data is erroneous. 15 U.S. Code 1681e states '' Each shopper announcing organization will keep up with sensible methods intended to stay away from infringement of area 1681c of this title and to restrict the outfitting of buyer reports to the reasons recorded under segment 1681b of this title. '' XXXX and XXXX are not keeping up with sensible methodology. Likewise 12 CFR 1016.7 states that " A shopper might practice the option to quit whenever. '' I'm quitting your revealing administrations. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Capital One is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Kohls report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Kohls please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Product: Credit card or prepaid card

I have bought many prepaid gift cards from American Express ( over 30 in the last decade ). I never had an issue with them until recently when XXXX of the cards I tried to use had a {$0.00} and {$3.00} balance when they each should have had {$300.00}. Because they were bought over a year ago ( but not attempted to be used until recently ) the credit card company whose credit card I used to pay for the prepaid cards said they could not help me in filing a dispute. When I called the American Express gift card customer service, they told me they could not help. They said to contact the merchants where the cards were used. I told them that I could not do so because I did not make the purchases that drained these XXXX cards and so I dont know who the merchants are. All I know is that whoever stole the card numbers and made the fraudulent purchases did so online because I had the physical cards with me and had never lost them at any point. They said there is nothing they could do. I tried twice more to talk to XXXX other customer service agents in case someone perhaps with more customer service experience knew how to go about solving this fraud case but no one was helpful or even sympathetic. I dont understand how in good conscience American Express can say that it is my problem to try and fix this when they are the ones that sold me cards with compromised numbers that didnt deliver the amount that I had paid for fair and square. You can not pocket my money and then turn around and essentially tell me that you didnt do a good enough job to keep the product safe but that is somehow now my problem. It is not and it should never have been.
Product: Consumer Loan

I had a negative mark on my credit and wells fargo wont take it off. My car was un a total loss and my insurance paid. And it shows that i still owe XXXX dollars. It has made my life impossible the past 3 years.
Product: Debt collection

Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.
Product: Checking or savings account

JP Morgan Chase processed and cashed a forged and fraudulent check issued against my companies bank account with XXXX XXXX XXXX  in the amount of {XXXX on or about XX/XX/year>. 
JP Morgan Chase was notified by our local bank XXXX XXXX XXXX  in writing on or about XX/XX/year> after failing to respond to multiple phone inquiries. 
To date, JP Morgan Chase has refused to respond to peoples South or local authorities regarding the fraudulent transaction or take any corrective action. Nor have they refunded the funds as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4a section 2 also states a Consumer Reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

experian has the most complex and limited system to access your account if you forgot your password. you can either verify through your email or number but if those dont work there is not another option. The automated service is even worse and hangs up on you.
Product: Debt collection

Midland Credit Management Regarding Final Settlement for a Debt Collection I contacted Midland Credit regarding : Account : XXXX XXXX I contacted their offices regarding a settlement for {$300.00} for these accounts apiece. I spoke to XXXX XXXX. He transferred me over to XXXX XXXX. She in detail told me to fax over a handwritten letter indicating to cancel the dispute from a credit agency for which I did on XX/XX/XXXX. I in turn contacted them again on XX/XX/XXXX to follow up. I was told again to re-fax another letter over for which I did. I contacted them again today, and I told the CR that I am in the process of filing Chapter XXXX and was trying to settle these XXXX accounts for {$300.00} apiece. The lady CR said that nothing had been done and to refax another letter again, I told her NO! I had already done what they requested, and still no action. XXXX hit my credit report again, playing games, from XXXX to XXXX. 

I did what they requested for me to do in order to move forward with the final settlement and they are purposely ignoring it and play games on the telephone.
Product: Debt collection

Convergent outsourcing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX has been sending me collection notices of XXXX the collection is being reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Membership ID # XXXX Case Numbers : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I am writing regarding incorrect and unsubstantiated information on my Experian credit report. I have made multiple phone calls and 3 disputes with Experian regarding the incorrect information, with no success. The information is from XX/XX/XXXX and is from XXXX, which appears incorrectly on my credit report as XXXX. As I have stated in multiple phone calls with Experian representatives, XXXX is no longer in business ; the company no longer exists. It was absorbed by XXXX XXXX in XX/XX/XXXX. I have had great difficulty getting this information across. Because Ive had no success with Experian in resolving this issue, Ive also been in contact with XXXX XXXX ( who no longer holds my mortgage ) to get this resolved. XXXX XXXX has kindly provided a letter requesting that this information be removed from my credit report, as they have no proof of its accuracy. They have provided the letter to you, although your representatives are unable to find it. Therefore, I am submitting the request letter by registered mail; please see the attached copy. Additionally, I received an Experian Alert email on the morning of XX/XX/XXXX stating that my credit score had increased by XXXX points, from XXXX to XXXX ; approximately 12 hours later, I received an alert stating that it had dropped XXXX points, back to XXXX. I am quite perplexed by this. The other two credit reporting bureaus, XXXX and XXXX, report my score as XXXX ; they also do not list the reported late payment from XXXX. I can only assume that this information has caused my Experian score to drop tremendously, which of course affects my credit rating and financial health. 

I would truly appreciate your assistance in resolving this matter and having the incorrect information removed from my Experian credit report. 


Thank you, XXXX XXXX The preceding letter was sent by certified mail, along with the letter from XXXX XXXX requesting this late payment be removed from my credit report. The letter has been sitting at the post office in XXXX, TX for 3 days and has not been picked up.
Product: Mortgage

XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.
Product: Credit reporting or other personal consumer reports

Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 XXXX and the Department of Education are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). 

I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information to Equifax, XXXX, and XXXX without my written consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made XXXX and even 60 days past due with XXXX. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XXXX XXXX XXXX XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX
Product: Mortgage

I sent a QWR to JP Chase on XX/XX/2015. Chase acknowledged receipt of QWR on XX/XX/2015. They never sent any documentation to answer the QWR.