23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

CFPB - Have been trying to manage my loans ( XXXX XXXX ), spouses loans ( XXXX XXXX ), brothers loans ( XXXX XXXX ), and mothers parent plus loans ( XXXX XXXX XXXX in order to get a repayment plan established. Have submitted an application for the SAVE repayment plan for myself XXXX XXXX and my spouse XXXX XXXX but have yet to have any communication returned by Nelnet. Additionally, have been trying to help get my mothers, XXXX XXXX 's, account unlocked/ created and have yet to receive any correspondence from Nelnet in response to an email form sent to them in late XXXX. Nelnets call volumes and wait times are outrageous with approximated wait times of an hour that we can not and will not wait for, so we took Nelnets other approach of contacting them which was to submit the email forms off their website. We have yet to receive any correspondence. Action needs to be taken against Nelnet to implement Service Level Agreements in reference to returning communication. We don't deserve to be put at risk if the company can't handle it's call volumes and if the executives aren't taking an approach to acknowledge the issue.
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with XXXX XXXX XXXX XXXX, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I have not done any business with MIDLAND CREDIT MANAGEMENT ACCT # XXXX. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX
Product: Debt collection

i hired Tayne law group to settle my debts and paid them $ XXXX monthly for one year ending in roughly XX/XX/2017 they later ownly settled 2 two accounts but charged me for 12 account then tried to sue me illegally to try to claim they worked on accounts that were allready settled by another attorney .. so basic they took money without doing the work and tried to charge money for accounts that were allready settled which is both illegal and unethical and tried to sue in another county where the crime was not commited
Product: Vehicle loan or lease

I entered into a contract on XX/XX/XXXX at XXXX XXXX XXXX XXXX with GM Financial. I took classes regarding laws, at that time I realized my contract was an evidence of fraud. Specifically violations of the Truth in Lending act, Louisiana Consumer Laws, and Regulation Z ; involving misrepresentation of finance charge, not disclosing information regarding trust opening or securities, violating the right to rescind. I withheld payments due to the fraud I found in my contract. On XX/XX/XXXX I received a letter from GM Financial regarding XXXX XXXX stating I have until end of business day on XX/XX/XXXX to make payment. I then contacted Louisiana XXXX Clerk of Court for a copy of my finance statement, the representative stated he does not have anything on file for me. I sent GM Financial a letter stating I discovered evidence of fraudulent activity in the origination of the contract that GM Financial received on XX/XX/XXXX they did not respond. On XX/XX/XXXX @ XXXX my was repossessed, which was deceptive of the letter they sent me, which stated I had until XX/XX/XXXX closed of business day to make a payment. I then proceeded to contact GM Financial on XX/XX/XXXX to receive information of where the vehicle was located in order to get my belongings, the representative refused to give information and stated they are not allowed to give out that information. I then continue with legal actions at the time I realized they were retaliating against me for the dispute of fraud found in my contract. I filed a police report for unfair and deceptive business practices with XXXX County Sheriff Department ( Report # XXXX ). They did not have the rights to a vehicle they did not secure.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX ( Original Creditor : XXXX XXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXX XXXXXXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX Accounts in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  XXXX Accounts and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. They replied back that XXXX XXXX XXXX Accounts " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX   verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and Equifax with no successful resolution. XXXX, Equifax and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Other financial service

I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check
Product: Credit card or prepaid card

home depot credit service refuses to credit payment from account money debited from bank account refuse to answer repeated calls inquires home depot is a bad faith credit and sales company they also dely credit reporting by months at a time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have sent my FTC identity theft report and all other supporting documents that Equifax has asked for, yet I have not received an adequate solution. According to the identity theft government website, credit reporting agencies have to erase the fraudulent information within 4 days of receiving my FTC report, yet, Equifax is saying that it would be an additional 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove fraudulent hard inquires on my credit report despite me disputing multiple times. I have mailed in the requested documents ( letter, ID, police report, FTC report ) on 4 separate occasions, including a fax. They continue to tell me they have not received my documents and that I need to mail them again. I have delivery confirmation and fax received confirmation. I have been given run around for months and have been lied to by multiple representatives of the company.
Product: Debt collection

I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX  credit report as promised in your prior correspondence
Product: Debt collection

Today I received a phone call from DCM debt collection services on behalf of XXXX concerning my brother who passed away last month. 
Allegedly, my brother opened up a XXXX XXXX XXXX XXXX over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX who cant confirm if my XXXX  even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with 24 hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in 48 hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon Equifax I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to XXXX5 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.
Product: Debt collection

A collection account appeared on my credit report by Portfolio Recovery Assoc. I have disputed this item XXXX different times with PRA with no response to date.
Product: Credit reporting or other personal consumer reports

I have chosen to take the time to submit this complaint because I am extremely disappointed by the practices of this Consumer reporting agency. I am hoping the Consumer Financial Protection Bureau can be of assistance in helping me resolve this matter. I am aware that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and I am here to see that they are due. Recently multiple of my rights have been violated by this Consumer Reporting agency. I am aware of the Consumer Protection Laws that protect consumers against unfair trade and credit practices involving faulty and dangerous goods or dishonest claims or tactics by organizations. Due to this Consumer Reporting agencys incompetent and dishonest claims I have received numerous unfavorable results that have affected me and my business horribly. I expect nothing less than deletions of all the accounts listed below or I will have to escalate this to a legal matter. 

XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If you feel there XXXX XXXX these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I donot take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  bank XXXX and XXXX XXXX Has reported false information under my report. Account has been paid in full and I was never ever late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, Wells Fargo Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Mortgage

I sent an email with SPECIFIC questions to Nationstar Mortgage two ( 2 ) times. I never received an answer to my specific questions from Nationstar. I tried contacting Nationstar by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions.

I asked the following questions : 1 ) What day of the month can I pay off this mortgage so that I will not have to pay any additional interest? And, on that day, what is the principal payoff balance?

2 ) {$35.00} was paid for a property inspection. Who was the {$35.00} paid to? What company? I never received an invoice from you or whoever this company was. I never received a copy of the inspection report that I am paying for. Please send a copy of the invoice for the property inspection and a copy of the inspection.

3 ) It appears from a previous payoff estimate I received that the {$25.00} Other Fees Due charge is for an expedited delivery fee. If I do not want expedited delivery, do I have to pay the {$25.00} expedited delivery fee?

I would appreciate an EXPEDITED response with ANSWERS to my specific questions from Nationstar Mortgage. I prefer to be contacted by email at XXXX. The email response should answer my specific questions, and NOT simply ask me to contact Nationstar Mortgage by telephone. Do NOT contact me by telephone.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # 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 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, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Consumer Loan

Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.
Product: Credit reporting or other personal consumer reports

I've submitted several reports and disputes regarding this issue. I am informing the credit reporting agency that this information on my credit report is inaccurate and fraudulent. They have done nothing to fix this, Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX