23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone purchased a vehicle in my name and got over {$3000.00} worth of tickets and I have no idea how when I don't have a license and my id is expired since 2020, and I lost it 6 months ago
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX & XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found Unauthorized inquiries on my credit report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}
Product: Checking or savings account

I have a certificate of deposit account opened at Capital One online bank in XXXX of XXXX by doing ACH transfer from my XXXX XXXX XXXX, personal saving. This CD matured on XX/XX/XXXX of this year, and I called on XX/XX/XXXX and requested them to release CD money in total back to my account. My identity was confirmed by XXXX people online and I have to upload my driver license, front and back of the card to the link sent to me by Capital One. Funds were received on XX/XX/XXXX. But yesterday on XX/XX/XXXX, this whole amount of was debited from personal checking account of this amount without even contacting me. I did not make aware of this debit until I checked my checking account. I have contacted them, but I am not satisfied with their answers. According to representative at Capital one Bank, she will contact me on Monday for any answers and she could not do anything about it over the weekend. I have Mortgage and Credit card payments to be made next week and now my account has XXXX balance and I done know how i am going to pay and it might affect my credit history and may end up paying high interest rate for credit card payments. I was given a case ID number. Thanks
Product: Debt collection

NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.
Product: Credit card or prepaid card

Received several emails from ChimeXXXX to verify my email and credit card direct deposit option also says I have an account .....
Product: Checking or savings account

I opened an account ( checking and savings ) with Citi in XXXX. About a week before receiving a closure notice, I contacted Citi 's fraud department because I was unable to add my debit card to my mobile wallet. The representative confirmed there were no alerts or holds on my account at that time. 

However, a week later, I received an unexpected email notifying me that my account was being closed, and I immediately lost access ( This is on XX/XX/year> ). There was no prior warning or reasoning provided for the decision to close my account. 

I reached out to the personal banker ( XXXX XXXX, Citibank XXXX XXXX XXXX ), who helped me open the account. The banker reviewed my transactions and found no reason that should have resulted in account closure, and they submitted a request to the fraud department to stop the closure. Unfortunately, on XX/XX/year>, this request was denied by the back office. 

I reviewed my transaction history, and nothing is out of the ordinary except XXXX large outgoing ACH transfer to the institution labeled as XXXX, which is the university that I am currently attending with the full name XXXX XXXX  in the City of XXXX XXXX. The transaction of around $ XXXX was to pay off my tuition. All my funds and transactions are legit and I can prove that if needed. 

I also contacted Citi 's Executive Response Team after the request denial, and my case number is XXXX.
Product: Debt collection

Subject : Request for Debt Validation and Assignment of Contract To Whom It May Concern, I am writing to request validation of the debt referenced under account number [ XXXX ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stipulated under 15 U.S.C. 1692g, I am requesting that you provide me with the following information : Proof of the debt : Please provide me with a copy of the original signed contract or agreement that establishes my responsibility for this debt. 
Assignment of Contract : Please provide a copy of the assignment of contract, showing that the current collector has been legally assigned or purchased the right to collect this debt from the original creditor. 
Until I receive this verification, please cease all collection activities, including reporting this debt to any credit reporting agencies. According to 15 U.S.C. 1692g ( b ), I am entitled to dispute the validity of the debt, and I request that the information about this debt be removed from my credit report if you are unable to provide the requested documentation. 
Please send your response to the address listed above within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My previous complaint about Bank of America systematically forced applicants to change the fact of the purpose of the mortgage application so that they could charge higher fees. Bank of America was aware that I was represented by an attorney, but they have refused to contact my attorney despite the fact that I originally stated that everything must go through my attorney. Bank Of America has not sent any communication or response to me and my attorney but simply closed out my complaint on CFPB to satisfy the CFPB 's requirements.
Product: Student loan

XXXX. Submitted a request to change repayment plan from XXXX to XXXX in XX/XX/year>. 
XXXX. Submitted a buyback request on or before XX/XX/year>. 
XXXX. Submitted Request to change repayment plan from XXXX to XXXX in XX/XX/year>. 
XXXX. Submitted reconsideration request for being denied credit for XX/XX/year> even though I was in an administrative processing forbearance. 
XXXX. Phone call to XXXX regarding status of loans and buyback. Informed that they have received my application, and it is in review, but can take XXXX business days to process. 
XXXX. Submitted a complaint and request for more information for which XXXX told me they can not provide me any additional information or updates. 

Other individuals are having their repayment plan change requests processed. This includes people who applied after I did. Other individuals are having their loans forgiven being given credit for months that I am lacking credit for with the same factual circumstances. Other people are receiving responses to their buyback requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct 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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Debt collection

I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.
Product: Vehicle loan or lease

I had a car loan with Westlake Financial and the car was totaled. My insurance company sent Westlake a check and then Westlake was supposed to cover the remainder of the loan with GAP insurance. Well they are now harassing me with calls almost every hour and all times of the day and night. They are now calling from multiple different phone numbers. It is XXXX on a Saturday night and they just called again! They have yet to submit an explanation of the claim and still want me to pay a full balance on a totaled car loan.
Product: Debt collection

Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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: Student loan

After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. 

This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. 

I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. 

I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to Transunion last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/XXXX they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Transunion doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for inaccuracies and unverified information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). My dispute includes an erroneous public record of a XXXX  XXXX Bankruptcy, incorrectly reported accounts associated with this bankruptcy from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX, and unauthorized credit inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my rights under the FCRA, these items remain on my credit report without proper verification or any proof of permissible purpose for the inquiries. I request an immediate investigation and removal of these disputed items within the statutory timeframe of 30 days, and confirmation of their removal in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Product: Debt collection

Discover Student Loan has been holding onto {$17000.00} of my money for over 3 months and is not returning the money to me or the company I used to refinance my student loans. 

I took a loan from Discover to cover my tuition ( Loan ID : XXXX ) Discover sent a payment for my tuition to my school ( XXXX XXXX XXXX for {$17000.00} in mid XXXX 2015. In XXXX 2015, I refinanced all my student loans with XXXX ( XXXX ). So XXXX sent a check for all my outstanding balance to discover on XXXX XXXX, 2015. XXXX XXXX has a rule that they wont accept funds from loan providers if the the student is enrolled in less than XXXX credits. Since I was n't enrolled in XXXX credits, XXXX XXXX returned the tuition payment of {$17000.00} back to Discover in early XXXX, 2015. I paid my tuition out of my pocket. 

Since then, I have been calling Discover on a weekly basis to have them return this {$17000.00}. I told them they can either send me a check or send it back to XXXX. 

Every time I call Discover I get assurances that this matter has been resolved and the check will be mail out soon. To date I havent seen this money in my account ( personal or XXXX student loan ). 

Please help me resolve this issue with Discover. It have been over 3 months and I need to money to pay off my student loans. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of address : 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 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 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  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplainXXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated address and name information on all three credit bureaus.I 've contacted each credit bureau individually via phone and postal mail services with no resolution. The inaccurate information has caused a financial blockage which has added additional stress to my day-to-day life post-pandemic. With limited access to resources, I am currently living house to house with loved ones as I attempt to survive.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX