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

It currently shows that I owe an alleged debt with Nelnet. I have no idea who these debt XXXX are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that DEPTEDNELNET aka Nelnet, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Product: Student loan

Nelnet has been an absolute XXXX  of information. 

- I wasn't able to get a clear answer on a serious concern before having to finish my XXXX  XXXX  consolidation paperwork - you can not get a phone agent on the line AT ALL. Everytime I call them I'm on hold for more than XXXX minutes, up to an hour and a half. 

As of today, I was on hold for XXXX minutes on XX/XX/XXXX. I was told my XXXX XXXX consolidation ( in order to enter the XXXX XXXX  ) would be processed by XX/XX/XXXX. There is no information on the status of my application. I only have until XX/XX/XXXX to submit my standard XXXX form if the XXXX request hasn't been approved. The Student Aid.Gov site just has it stalled " In review ''. NELNET WON'T ANSWER THEIR PHONE. 


I don't know how many XXXX months of Nelnet never answering their phone it will take before the government investigates and cancels their contract. They are completely derelict in providing any shred of customer service at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( s ) in question are as follows : XXXX XXXX XXXXXXXX # XXXX If the accounts can not be properly verified or XXXX XXXX XXXX XXXX XXXX deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within XXXX days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Back on XX/XX/23 I sent a letter to transunion to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.
Product: Credit reporting or other personal consumer reports

After viewing my consumer report i noticed inaccurate information regarding late payments I was a victim of identity theft i found accounts not opened by me please remove these items
Product: Student loan

I was transferred to Mohela... they asked me to set up a new account so I attempted and got an error message. On the error message page it says " contact us '' with this reference ID. When you click to contact them and go through the hoops .... they will not let you contact them via web without logging in, which I can not do in the first place, that is the error. So I call the number... the number after waiting 10 minutes to hear the spheel about how you can access all these things online I finally get the option to choose a number to get help. They say it's a 71 minute wait. But! I can get a call back, so I choose that option. Before I can say " yes '' to confirm my phone number the auto voice immediately says " im sorry I didn't catch that '' and puts me into the que without any other chances to get a callback. It feels like they are intentionally limiting their contact options and putting folks through an outrageously long wait time in hopes that they will just give up and not have to be contacted. It's really not accessible to have that broken feedback loop on the website in terms of contacting. 

I also went to get feedback on studentloan.gov and the feedback page for that site is also down .... it just seems so suspicious to me that there is no way to flag these very apparent contact issues.
Product: Mortgage

Approximately six weeks ago, I applied for a home refinance with Bank of America that required a fee of {$470.00} to conduct an appraisal. At the time, i was told that the fee would not be collected until the appraisal was done. My refinance was not approved and the appraisal was never done. In fact, the order with the appraisal company was cancelled. I made three written requests to my loan officer to get a refund of my appraisal fee during a period of two weeks, and there was no response to my request. I have an email from my loan officer promising a refund if the appraisal is not done, but he has subsequently ignored my requests for the refund. 

The purpose of my claim is to get the promised refund of {$470.00} for the appraisal that was never done. 

Attached are XXXX supporting documents. The first is the set of disclosures for the loan. The second and mroe relevant document is a diary of all of the emails between me and my loan officer that show my numerous unanswered requests for a refund of the appraisal fee, the pormise from the loan officer that I would get a refund if the appraisal was not done, and the acknowledgement that the appraisal was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received the attached dispute results from Experian, dated XX/XX/XXXX, for my XXXX XXXX XXXX account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myXXXX XXXX XXXXXXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Debt collection

I am writing to file a formal complaint against CREDENCE RM XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request.

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
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 consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 address for these violations.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

XXXX  cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

Transunion shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Product: Debt collection

Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.
Product: Debt collection

I continue to get calls from debt collectors and fake lawyers offices saying the debt is now in their hands. They keep saying they are going to serve me with papers and garnish my wages but never send me anything or serve me. They are going to put a lien on my property if I don't pay. I have told them to send me papers so I can see what it is cause I did not take out a loan or line of credit with these creditors ever. They say it was from 2010 with Citibank and XXXX. They want me to make a payment then they will send me the paperwork to sign. They have now started to call my family members. It happens every few months. When I asked them to not contact my family they told me they can contact whoever they want. They get very XXXX when I start questioning them. They say I owe {$8000.00} but will take {$2000.00} as a down payment. The numbers they call from are disconnected a few days or weeks after. The number they called from today was XXXX and asked me to call XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an american express card for 28 years, about 2 years ago there was fraud on the card and American Express closed the account and issued an new account number. At the time of the fraud I spoke with American Express and stated that no subscriptions should be carried over to the new card. However for the past two years, charges for XXXX XXXX  were charged to the cancelled card and transferred to the new card despite my express instructions at the time of the fraud that no subscriptions would be transferred to the new card. During the interim I contacted XXXX but they had my boyfriends information linked to the cancelled card number so I was unable to verify the information. I would like the charges to be reversed as they did not have my permission to charge on the new account with the old account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists XXXX XXXX  - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all three bureaus XXXX, XXXX and Equifax are reporting inaccurate information on credit report account open on XX/XX/XXXX by XXXX while XXXX and Equifax reporting date open as XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last reported as XX/XX/XXXX by XXXX while XXXX reports XX/XX/XXXX and Equifax report XX/XX/XXXX. 
Date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX while Equifax reports XX/XX/XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stated incorrectly. Stating the date of last payment as XX/XX/XXXX while payment history is reporting OK as agreed all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment. This here is a huge mistake that is hurting my credit score and holding me back from obtaining credit. there is no possible way that XXXX XXXX can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. 
how is it possible that this account is meeting our requirements when you can clearly see that Equifax is reporting payments up to XXXX and date reported on date of last payment stops XX/XX/XXXX total mistake here. Theres no way that all three bureaus can be right if information is coming from the same furniture data. This account is only updating the date last reported re aging and pushing back the date it should fall off. It is not acceptable delete immediately account as a total mistake itself.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is reporting the account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXXXXXX XXXX is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.
Product: Checking or savings account

I closed my chime account. A balance of {$1500.00} remains. They will only send me a check to my old address and not allow me to update my address. The check is then returned to chime " do not forward is on the envolope ''. So i can not have my money!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated XXXX XXXX XXXXXXXX Balance Owed : {$470000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance Owed : {$980.00} -You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$4700.00} -This is a duplicate account please investigate this and make a correction
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX 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

I filed a dispute with the company for two XXXX accounts that XXXX found to be placed on my credit in error the company has refused to remove these inaccuracies after I provided proof from XXXX the company falsely used the FCRA to keep reporting inaccurate accounts on my credit profile when requested proof of accuracies the company failed to provide any documents to support the inaccurate accounts, XXXX {$1300.00} report date XX/XX/XXXX XXXX XX/XX/XXXX {$5100.00}. refer to 1501 U.S. Code 1692 ( g ), 1501 U.S. Code 1692 ( c ).