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

To Whom It May Concern, I am writing to formally dispute late payment records on my student loan account as reported to the credit bureaus by XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I discovered 5 late payments listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I believe were reported in error. I request that the Consumer Financial Protection Bureau ( CFPB ) assist me in investigating this matter and ensure that my loan servicer corrects or removes the inaccurate late payments from my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian multiple times in regards to fraud accounts reporting on my credit report. I have provided them with an FTC report and a Police report in regards to these fraudulent items but they fail to comply and are violating my consumer rights pursuant FCRA 605B ( 15 U.S.C. 1681c-2
Product: Debt collection

i want to work something out to build my credit back i was young and did n't understand my limits
Product: Student loan

edfinancial services started sending me automated emails me about some account balance after student loan repayments started up. I do not have student loans as verified by the financial aid website nor is it on my credit report. I've tried to explain this to them, more than once, and they just keep asking for an account number, which I keep telling them I don't have, as I have no student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a verifiable proof of the attached account and validation of debt. Neither was ever provided and it has been over 35 days. I request these accounts be removed per the Fair Credit Act or provide the legal documents that binds me to this accounts. 

The credit agency will be held responsible for the these actions as the are one publishing this information without supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with Fair Credit Reporting act XXXX  The XXXX accounts listed below has violated my rights CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I called my bank because my phone got stolen and my phone had all my information including my debit card. I reported this to Bank of America and told them that there were some unauthorized charges. The phone that got stolen had a phone case where you can store your cards and ID and it looks like a mini book type of thing. I thought only my XXXX XXXX XXXX  and ID was on that phone and phone case. I was able to replace and contact XXXX  and they had no problem giving me back the money that was stolen on that card and I had to replace my ID as well but when I noticed that there was unauthorized charges on my Bank of America card I contact them the moment I caught it. I have a lot more money on my Bank of America card including my savings account with them. They people who stole my phone and the debit card that was inside the phone case overtime purchased an amount that was {$8800.00}. I told Bank of America that I didnt not authorize those transactions and that my phone was stolen and my information was also stolen. Bank of America then quickly made the claim and then rejected my claim very quickly as if they didnt do any investigation and they didnt sent proof that I made the transaction because I wasnt the one that made them. I then call Bank of America again and I tell them that they are stealing from me because they are refusing to give me back money that was stolen from me and that I was going to report them because they didnt do a fair and legal investigation and they sent me a rejected claim without giving me proof and only saying that I made the purchases or someone I know when I told them that my phone and card was stolen and they still say it was my fault. Thats when I told them that they are refusing because its a large amount of money and I told them I was going to report them. I also told them that I would take them to small claims because I am not going to rest until I get my money back. Thats a lot of money that Ive saved up that some thief that stole from my belongings and its not fair that that money is gone and Bank of America refused to help me when it took me a long time to save up just for a thief to steal from me. I reopened the claim and it took them over 2 months investigating to send me that same thing. I believe Bank of America isnt really doing real investigations and the reject everyones claim without proof. If this doesnt get resolved I will take Bank of America to small claims because like I said I worked so hard to save up that money just for someone to steal my phone and debit card to just take it all like that.
Product: Debt collection

After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.
Product: Consumer Loan

Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!
Product: Debt collection

I had no knowledge of a debt with NCS debt collector until it was on my credit report. I have disputed on several occasions that I had no knowledge because I wasnt notified by the original creditor XXXX XXXX XXXX or the collection agency. On XX/XX/2019, I learned that the original creditor has been under new ownership twice when I contacted them so any questions about a debt is the responsibility of the original owner. No information on the owner during my residency can be found or provided by the two buyers. NCS was contacted, I requested the information of whom they was collecting the debt. XXXX XXXX at ext XXXX   told me she handles XXXX XXXX accounts and that she can not provide her client information. That I can dispute it with her and she will let her client know. She refused several times to give me the information which is a violation FCDPA Section 809. I suspect that they maybe also in violation of Section 812 reason being that I have never received notice of debt and the fact that they refused to provide the information requested.
Product: Debt collection

Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint for the following : I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX 's account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX creditor should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. 

Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply. 


I have demanded deletion of this account fully due to lack of providing investigation procedure and for the financial hardships this has caused me. 

the response i received to my request was " Collection : XXXX XXXX XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR IS CURRENTLY REPORTING A ZERO BALANCE FOR THIS ACCOUNT. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF XXXX DELIQUENCY '' They did not delete this account instead have been updating it after being in violation. 

Today I have found out that I am also a victim of data breach because of there practices and violations. 


I am demanding full removal of this account off of my credit report.
Product: Checking or savings account

XXXX XXXX transfer of XXXX i did not authorize it was not me please refund me
Product: Bank account or service

On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account numbers XXXX and XXXX, has violated my rights. 

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

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into a home purchase when I had my credit pulled last month and I found Fraudulent inquires and accounts with companies I have never applied for business with and I do not recognize these companies. I am not sure if someone is using my name for utilities or added me on accounts they are definitely not accurate. 
The following accounts are fraudulent please remove/delete : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX # XXXX 4.XXXX XXXX XXXX  XXXX XXXX 5.XXXX XXXX # XXXX Unknown inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.
Product: Checking or savings account

I closed a savings account at CitiBank in  XXXX  2017. For the last four months CitiBank has added a {$59.00} charge to this account that I 've closed, I get calls from CitiBank drones telling me I have a negative balance. I called CitiBank to close the account again, and again the same thing happens. I have closed this account four times and CitiBank will not close it. I just got three calls from the CitiBank drones for a negative {$59.00} balance. I want this account closed! It has a   XXXX    balance.
Product: Credit reporting or other personal consumer reports

Ally Financial date : XX/XX/2024 Ally Financial date XX/XX/2024 XXXX XX/XX/2024 These inquiries were never authorized by me. I went to this dealer with pre-approval acceptance from XXXX XXXX. They were only supposed to submit everything to XXXX XXXX and not run my credit for other companies. I tried to dispute with Ally Financial but they would not help me. In fact Ally is appearing twice as if it is two different companies. 

XXXX Bank XX/XX/2024 Bank XXXX XXXX XX/XX/2024 XXXX do not recognize these inquires
Product: Student loan

After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.
Product: Payday loan, title loan, or personal loan

So I had applied for a line of credit through pay pal approximately 5 years ago or more .. had the line used paid it, recurved a few increased. Back in XXXX of XXXX I was a victim of identity theft and someone attempted to apply for an additional line in my name. Pay pal credit flagged it because the email was different from the one I had on file. I called they said they were going to investigate, and freeze the account. No one explained to me that I would not only not be able to use the line, I cant even access it online to make the payment, how Ive been doing it for years. Pay pal credit changed owners they are now owned by synchrony bank. Because of that know one knows what they will do to reinstate the account for something that wasnt my fault. I applied for a line of credit, its an opened ended loan, and I have no access to it. Its now XXXX and they still cant give me an answer but to reapply.. have my credit ran again. I dont see how this is right. Im not happy at all, and I plane on seeking legal action
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX  XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX Has violated my rights 15 U.C. 1681 section 602 as stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Prepaid card

I received a {$300.00} Vanilla Visa gift card on XX/XX/XXXX. When I tried to activate it, I got an error, and the card was declined. I contacted customer service, who said the card was on hold and requested photos of the card, receipt, and ID. I provided everything, but they kept asking for more documents. On XX/XX/XXXX, their website said my case was resolved, but the card still didnt work. Later, they claimed a replacement was sent on XX/XX/XXXX ( XXXX business days ). As of XXXX, no card arrived. A supervisor then admitted no card was ever sent and told me to restart the process. After months of delays, false claims, and conflicting answers, they are now blaming XXXX and refusing to help. I want my funds restored or a full refund. 

Attached are documents that were requested by Incomm during the process. The documents were sent several times at the request of various representatives and supervisors/managers and multiple representatives and supervisors/managers confirmed they were received. Also attached are screenshots of the case status from the companys website, as well as the receipt from XXXX XXXX confirming the purchase and the packaging that came with the gift card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 

these are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I thought I was consolidating my loans so that I would someday be eligible for forgiveness after 20 plus years of payments. Now they are telling me that I don't qualify. This was my main reason for refinancing with them. The financial consultant for the Nelnet company mislead me into thinking I was all set. I diligently paid with automatic withdrawal looking forward to this being forgiven. Now they are telling me I do not qualify for any forgiveness. I don't even qualify for the CARES Act. I am XXXX years old and have worked as a XXXX and XXXX XXXX for 3 different low-income school districts. I was looking forward to retiring due to health problems and COVID issues. Now I don't know what to do. 
I have called NELNET for help several times and feel like I have been given the run-around. 
I am doing my best to survive this and don't understand what I should do. I hope that you can help me. I understand that there are other people who have been having the same issue with NELNET. 
Care you help me?
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft I have tried to handle this situation for years and only gotten worse this needs to get resolved XXXX XXXX  -open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX-open - XX/XX/XXXX XXXX  XXXX- open XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've formally requested XXXX XXXX to validate and verify the negative account they've reported on my personal credit profile, specifically asking for an acknowledged agreement and transaction history regarding the balance calculation. However, they've declined to furnish any documentation validating this account while still reporting this unverified debt on my credit report.
Product: Credit reporting or other personal consumer reports

The following info is the result of past and ongoing ID THEFT issues. 
Please remove and or block Immediately upon receipt of this letter. 
Per the FCRA if the disputed info can not be confirmed or proof provided to me that I supposedly opened these accounts and made these inquires then they have to be removed! The info is FRAUD and I demand that the following be removed! TRANSUNION DOES NOT TAKE FRAUD SERIOUSLY AND ACTS AS THOUGH ALL CONSUMERS ARE LIAERS. THEY CONTIUNE TO IGNORE MY REQUEST AND EVERYTIME I TRY TO MAKE CONTACT VIA PHONE ITS SOMEONE ON A CALL CENTER OVERSEAS WHO SPEAKS BROKEN XXXX WHO DOEST NOT KNOW WHAT THERE DOING OR TALKING ABOUT!! 
XXXX. XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX : XX/XX/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. XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX  Dc XXXX : XXXX. XXXX, XXXX XXXX. TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX