23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and from being able to access any financial resources which is very stressful for me and my family.
Product: Debt collection

Received a call from the collector and was asked to verify my information. Instead of me providing my information to verify the debt, my name, the originating creditor, my date of birth, my previous address and the last four of my social was read to me to verify my information. With a handful of previous numbers I have had over the years, I can not understand for the life of me why a debt collector would call and read off my information and ask me to verify said information. Previous numbers that I no longer have will have had the same process, so my personal information has been leaked to who knows how many people. The first agent hung up on me. I immediately called back to have all of the same information read back to me a 2nd time without me providing it. I asked to be transferred to a supervisor who proceeded to tell me that is their process and that's the way they do business and was then hung up on by the supervisor. That debt was disputed through XXXX credit reporting agency on XX/XX/2022 under the category of identity theft to start with and now I have this collector reading my information of to who ever they have called in an attempt to collect the debt. I know exactly who the person is who opened up that account in my name and after speaking with her, can verify that she has not received a call from the collector. That person is my wife, we have been separated for some time now and we have been assessing and rearranging all of our debts collaboratively in order to have our lives separated outside of court orders and lawyers so that when we file for divorce we are not wasting time or money so we that we may move on and proceed with our lives.
Product: Student loan

Nelnet is obligated per the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protect the privacy of student education records. Sschools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : - School officials with legitimate educational interest ; - Other schools to which a student is transferring ; - Specified officials for audit or evaluation purposes ; - Appropriate parties in connection with financial aid to a student ; - Organizations conducting certain studies for or on behalf of the school ; - Accrediting organizations ; - To comply with a judicial order or lawfully issued subpoena ; - Appropriate officials in cases of health and safety emergencies ; and - State and local authorities, within a juvenile justice system, pursuant to specific State law. 
Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. 

consumer is now requesting NELNET to provide the documentation used to determine inquiry was indeed authorized by the consumer. NELNET has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for e-oscar report. if NELNET does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. NELNET is securitizing consumers data yet refuse to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

It is also evident that the parent company of Nelnet is XXXX XXXX. After reading the SEC filing a few excerpts stood out that may challenge the law - We fund the majority of our FFELP student loan assets with one-month or three-month LIBOR indexed floating rate securities. 
- The majority of our portfolio of student loans is funded through asset-backed securitizations that are structured to substantially match the maturities of the funded assets, and there are minimal liquidity issues related to these facilities. 
- We rely on third parties for a wide array of services for our customers, and to meet our contractual obligations. The failure of a third party with which we work could adversely affect our business performance and reputation. 
- We must satisfy certain requirements necessary to maintain the federal guarantees of our federally insured loans and the federally insured loans that we service for third parties, and we may incur penalties or lose our guarantees if we fail to meet these requirements.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is XXXX  to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by XXXX Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  docket # XXXX XXXX  XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

Ive exercised my rights to request validate debt and permissible purpose XXXX received no response. XXXX put on notice The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING. Its still reporting. Want removed off my consumer credit file also {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I have 12 unauthorized/fraudulent inquiries on my XXXX XXXX  report from XXXX XXXX attached I have XXXX unauthorized/fraudulent inquires on my XXXX credit report attached I have XXXX unauthorized/fraudulent XXXX on my transunion credit report from XXXX report attached
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a Term Loan with Bank of America for my business, you can not apply for a loan without an assigned banker and they must be within your region. 

I was assigned to a Vice President XXXX XXXX XXXX XXXX in my area. I spoke with the XXXX XXXXXXXX regarding the purpose of the loan which is to expand the business and working capital will be needed to make it happen. My credit report from XXXX has a hard inquiry for a business loan On XX/XX/XXXX that I was not eligible for due to my business expansion not being a physical expansion. 

The XXXX XXXX XXXX did not know this information about the product they stated I was eligible to apply for, the underwriting team did not understand why this information was not informed to me by the banker. 

I was informed today, XX/XX/XXXX via phone a request was sent to have the inquiry removed, if the request is actually in review I do not know as I do not have any written notification that it is in review. 

The hard inquiry for Bank of America for XX/XX/XXXX must be removed from my credit report.
Product: Credit card or prepaid card

The company I work for changed our email addresses XXXX XXXX but both emails dumped into the same email inbox, and I'd used both for years. We were NOT told that XXXX email was going to stop working this past year, but it did. I was set up to receive email invoices with Kohl 's to XXXX email address, but as a result of the change, I stopped receiving my statements, and I did not know I had a past due balance with Kohl 's until I received a letter in the mail in XXXX telling me my account was inactive due to non-pay on a {$110.00} balance that generated as a result of purchases made on XX/XX/17 and XX/XX/17. I immediately called and took care of the balance and they credited the late fees. I did not know this had STRONGLY effected my credit scores until XXXX or XXXX. I have tried to resolve this with Koh 's but they say unless the error is their fault ( ex. THEY listed an incorrect email ) - they do not reverse information turned over to credit agencies. I believe this IS partly their fault for not notifying me there was an issue with my email. Other companies, including my MasterCard, notified me via PAPER mail of the issue with my email BEFORE any balances fell past due, and I corrected it with them. I had no idea Kohl 's had XXXX email and that I was not receiving statements, but KOHL 's knew my email had kicked back and that I was not receiving invoices, so they should have sent something to me in the mail as soon as that happened like other companies did. The first paper mail communication I received should NOT have been a suspension letter when they KNEW I wasn't getting my invoices via email. I'm so disappointed in Kohl 's for not working with me to correct this on my credit history that I've closed my Kohl 's charge card account, and I will NOT shop there anymore, and I'll be sure to post everywhere I can about the poor customer service experience I've had with them. I'm XXXX years old and have NEVER had a late payment on my credit history, and I have always had excellent credit scores, and I'm EXTREMELY disappointed that this ONE late payment of only {$110.00} has affected my credit score so  extremely, and Kohl 's will not adjust it when it's NOT my fault the email stopped working, and although I agree it's not their fault either, ONE letter thrown in the mail when the email kicked back notifying me of the issue would have resolved all of this. If it is not Kohl 's policy to notify customers via paper mail when an email fails then it should be - that's just good customer service. Some people ( LIKE ME ) may not know when an email stops working or gets cancelled, or just may not remember to change it with ALL companies that email statements. Kohl 's had NO problem mailing me a letter telling me that my account was suspended. Seems like it would make more sense to MAIL a notice letting my know my email was failing first. Then I could have corrected the email, paid my balance ON TIME, and it NEVER would have gotten this far. I am SO disappointed in Kohl 's, and EVERYONE I can reach via the XXXX XXXX XXXX and social media is going to know about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Debt collection

The company does not have a contact number via my credit report. XXXX has confirmed this also each of the 6 times I disputed the account. I constantly request to have a bill sent to my house or email or even a phone call. But i never get anything. I dont know this creditor. Ive never heard anything about them or from them. There is no contact information. This was not me. The amount for {$590.00} thats saying I owe, I do not. I dont not know this fraudulent company nor how they got my information
Product: Checking or savings account

On XX/XX/2018, my mother passed away. My father is about to turn XXXX. After my mother 's death, my father, sister and I went to his bank to have my mother 's name removed from the savings and checking accounts and to have our names added so we could assist my father, should he need it. We provided the bank with a death certificate and filled out and signed all the appropriate paperwork. A year later, I discovered that the accounts had never been changed. I went back to the bank ( a different branch ) and was told that the original branch should have kept copies of the paperwork in their branch. The branch XXXX contacted the original branch, but they had no record of the transactions. We again provided the bank with a death certificate and filled out the paperwork. It was overnighted to the main bank offices. A year and a half later, I was back in the original branch to check on something for my father and discovered that my mother 's name was still on the accounts and that while my name had been added, my sister 's had not. The bank could not find anything in their computer showing that the accounts had ever been changed and yet my name had been added. This is a pretty basic banking transaction and it has been 3 years 9 months and the bank has not to date been able to do it correctly. I find it worrisome that we have dealt with two branches and multiple people at each branch and no one seems to know what they are doing. Also, last year my father wanted to pay off his equity loan and close it permanently. My sister accompanied him to the bank where they were provided with the pay off amount and filled out the paperwork to close this line of credit. About 2 months later, my father received a notice from the bank that this line of credit was still open and that he had a {$40.00} balance. I went with him to the bank and discovered that when they gave him the pay off amount they had neglected to include the fee for filing a discharge, so they just left the line of credit that he had closed open with the fee as a balance. This affected his credit score which in turn affected his home owner 's and car insurance rates. No one at Citizens bank knows what they are doing and no one is minding the store. The branch XXXX, from the original bank and from the equity credit line fiasco, told me it is not the bank 's fault- it is the fault of the individual 's who work there and don't do their jobs correctly. Isn't Citizens bank responsible for their employees? Shouldn't they be? Their incompetence appears to be widespread. My parents banked here all their adult lives and my father is set in his ways and is reluctant to move to another bank ( though he is also aggravated ). We put things in place to assist him, or at least tried to, but my sister has been repeatedly locked out of the account. The branch XXXX also pointed out that if something happened to both myself and my father, my sister would not be able to access the accounts. While she said this with concern, it does not correct the matter. We have literally wasted hours at Citizens bank trying to just get this done.
Product: Mortgage

I applied for a home mortgage loan at US BANK here in XXXX XXXX Mo, over two weeks ago in the XXXX/XXXX office. He said he needed my credit card information in order to order the appraisal for the property I was purchasing. It was the week before XXXX holiday. The day after XXXX, I received an alert stating that my credit card had been used to pay for the appraisal. Doing this time, my credit report had not been pulled to even see if I would qualify for any loan product. Neither had I gotten any letter or word of mouth that I was pre-approved or prequalified for any loan. Doing that time my credit card was charged an appraisal fee of {$490.00}, the bank didn't have my credit file to determination if I would even be eligible for a home mortgage loan because they had nothing to base it off of. At that time I called my loan officer concerning the matter, he said it would be refunded back to me. As of today I have not been refunded for the charges of {$490.00} to my XXXX Credit Card. I'm trying to understand, why would someone run someone's credit card when there's no loan in place. You would need a credit report to determined that and there was no credit file pulled at that time. Thy still don't have a full credit file to this day, to qualify me for a loan.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

This concerns the suspension of my Amex Serve account. I had my own money from the stimulus in my account, around {$3300.00}. I also had just received a deposit from the SBA for a XXXX XXXX of {$9000.00} they owed me from XXXX of XXXX. Both deposits were from government agencys. The SBA deposit wasnt even supposed to go on the Serve card account. A mistake was made by the loan officer and disbursement department of the SBA. I will include her contact information. But that money is still rightly mine. And since that deposit was not even supposed to go to that account I technically didnt violate any terms of service. I had provided a voided check and Information from my XXXX XXXX XXXX checking account for the deposit. Someone at the SBA did not update it correctly from over a year ago. I have correspondence with the SBA I can provide as proof if needed. I went though a rigorous approval process for this {$9000.00} advance and waiting more time is risking the closer of my business. I would like to add I did not even realize the money had been deposited in my Serve account until Serve themselves sent me a text with my balance on Friday XX/XX/XXXX. Afterwards I did some research and found that the {$9000.00} XXXX XXXX was actually deposited on Monday XX/XX/XXXX. I had only been checking the XXXX XXXX  XXXX account for this deposit as that is where is was supposed to be deposited. I only check the balance of my serve account weekly unless needed otherwise. 

Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley
Product: Checking or savings account

I opened a account with US bank and funded it by making a external transfer of {$10000.00}. Amount was deducted from my external bank on XX/XX/2023 but it never showed on my US bank account. After few days when I enquired, US bank simply refused to acknowledge any problem and told they never recieved the funds. When I asked my external bank, they provided me with ACH tracking number , trail confirmation that funds were released and transferred from their end. 

Then I had to log a complaint with US bank and dispute to solve this and then finally on XX/XX/2023, i.e. 13 days after the transfer credited my account. But they never told me any reason why this delay happened. I was under so much stress due to missing funds of such a amount and also missed various opportunity to invest, use funds for my business etc.

On top of that, very poor customer service from US bank. They never responded to my queries, I visited branch 2 times and logged my complaint but no response. Called their call center number multiple times but again no response. All they said, we are not getting any answers why it took so long for funds to appear in your account.

This is totally unacceptable. ACH transactions have 3-5 business days timeline to process and any delay beyond that is voilation of banking regulation and bank should be held accountable for that and compensate me for this issue.