23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Spoke with Nelnet on XX/XX/2023 asking for a refund of payments made during Covid. I can not refinance consolidate until I receive this refund that was on XX/XX/XXXX. I applied today is XX/XX/2023. I need to know when I can consolidate my loans and I cant do that until I get this refunded. Very very frustrating.
Product: Credit reporting or other personal consumer reports

This message is to follow up regarding the ongoing presence of fraudulent items. As we enter the many attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

The persistent existence of fraudulent items not only undermines trust in our organization but also poses significant risks to our stakeholders and customers. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these fraudulent activities. 

Together, through collaborative efforts and decisive actions, we can overcome this challenge and ensure the integrity and security of our systems. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6500.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXXT XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX
Product: Debt collection

This number continues to call me at work - 3 times in a row on Thursday XX/XX/16. I told them this was my place of business and asked them to stop calling. The women on the phone stated **I WILL NOT STOP CALLING YOU** The phone # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed debt consolidation loan on XX/XX/XXXX, bank insists check was mailed however credit card company never received payment as of XX/XX/XXXX. Bank refused to cancel check until after 90 days, after 90 day period still claims they can not cancel until XXXX signs waiver, XXXX refused. Meanwhile, I continued to make monthly payments to the credit card as well as the consolidation loan, including interest. My credit report reflects the amount of the loan as well as the previous debt, since there is no validation a check has been sent out, and no payment received. My credit score also has dropped significantly and continues to lower, preventing me from taking out a line of credit. XXXX XXXX XXXX XXXX denies responsibility for the missing check, claiming the consumer must request certified mail and stated it was a courtesy for them to have agreed to mail it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I bank with Chime and last Friday, XX/XX/2021, there were a series of XXXX ATM withdrawal transactions around XXXX XXXX  for a total of {$600.00} withdrawn that were not initiated by me. My debit card was in my wallet on my person at the time so my card must have been skimmed. As soon as I realized what was happening, I locked my account to prevent any further transactions from occurring, of which there were at least XXXX or XXXX more attempts. The XXXX withdrawals, XXXX for {$100.00} and XXXX for {$200.00}, were pending over the course of the weekend and did not clear until Monday, XX/XX/2021. When I initially contacted Chime on the XXXX, I was told I could only lock my account at the time and request a new card but that I would need to wait for the transactions to clear in order to dispute them. I did on the XXXX as soon as I could formally with four forms submitted for each withdrawal to the Chime support team. Early on Tuesday, XX/XX/2021, the Chime team responded that nothing seemed out of the ordinary about my fraudulent charges and that they would not be reimbursing me in any manner. I then requested from them all documents associated with their short investigation into the manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX KEEPS REPORTING BK XXXX BELONGS TO XXXX.
Product: Debt collection

They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

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

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on Income Driven Repayment. That none of my loans delinquent. Therefore Navient had fraudulently reported my student loans delinquent even though that is not true. Navient, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Product: Debt collection

On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX   again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.
Product: Debt collection

The credit card was open XX/XX/2021 I activated my card and lost it and someone used my card and maxed it out to {$5300.00} I didnt receive no security alerts no fraud alerts telling me someone using my card. I received a statement saying my credit card was maxed out for XXXX immediately called chafe fraud department to dispute those transactions they never responded to my complaint closed my account and put it in the collection I told them to investigate the transactions it was unauthorized transactions but instead they closed my credit card and say I had to pay the unauthorized transactions that I disputed and closed the account with no explanations and now put a XXXX debt on my credit that I didnt do
Product: Debt collection

The debt collection company ( National Credit Systems , Inc ) sent me the debt detail ( {$640.00} ) and asked me to pay. I wrote them that I should not be responsible for the debt and tell them the reason, but they said I did not make suitable arrangement to resolve the debt and still asked me to pay. 

In the attachment document ; you will find : ( 1 ) The letter ( XX/XX/XXXX ) which National Credit Systems , Inc asked me to pay the debt. 
( 2 ) The file I sent to National Credit Systems , Inc in which I explained why it's not our debt and the reason why I refused to pay. 
( 3 ) The letter ( XX/XX/XXXX ) which National Credit Systems , Inc sent me in which they said I have not made a suitable arrangement to resolve the debt. 
( 4 ) The email communication I responded to XXXX in XX/XX/XXXX and explained why I refused to pay the debt {$640.00}. 

After you read these files, I believe you will know what happened and the reason why I refused to pay the debt.
Product: Mortgage

I was party to a foreclosure action in 2007 bearing XXXX County Clerks Index Number XXXX. The action to foreclose the mortgage was on behalf of XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, Series XXXX, without recourse,. 

The plaintiff obtained a Judgment of Foreclosure & Sale on our property when no debt was owed. The defendants negotiated a settlement with the plaintiff and the resulting decision of the Court thereby Vacated The Judgment Of Foreclosure & Sale due to the fact that " the defendant paid off his mortgage and all costs associated with the action and granted by the court ''., as indicated in the attached affidavit of plaintiffs counsel. 

Now many years later after the time to appeal is 8 years past Ocwen Loan Servicing is sending threatening notices regarding the same mortgage and same debt associated with the XXXX action attempting to swindle the homeowners from their property.
Product: Credit card

I signed up for a Bill Me Later credit card and the company completely changed locked me out of the website then charged me late fees and sent me into collections and I could never pay the bills because I could n't log into the account when I made a payment over the phone they never recorded it to my account so I have no idea what happened to my money.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

I received my escrow analysis for XXXX in XX/XX/XXXX. The analysis was incorrect, so I contacted the company to ask for a new analysis to be run. The company BSI Financial generated an incorrect escrow analysis the previous year by not including my property tax in the escrow payment. This led to a shortage in my escrow account, but the shortage amount is almost three times what it should be. I called at least 5 times. Each time I call, I get a different answer from the customer service department. I called and requested to speak to a supervisor right after XXXX. Was told no-one was available but someone would call me back. I am still waiting. 
I called again on XX/XX/XXXX, another rep said she would submit the request again. Her name was XXXX. She said it would be ready by XXXX. I called back on XX/XX/XXXX, only to be told it was not ready. It was still pending. I spoke to a supervisor named XXXX. He said he would escalate and it would be ready the next day, which is today XX/XX/XXXX. I called back today only to be told it's still pending. A supervisor was not available for me to speak to. This company is incompetent at the highest level. Nobody seems to know what they are doing and nobody gives accurate answers. I am trying to get my issue resolved but not making any progress. 
Additionally I sent in {$4000.00} to clear the shortage, and those funds seems to just be sitting there. The information listed on my account for the new payment is incorrect. I have XXXX faith in this company.
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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle fail to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

SYNCB/AMAZON Potentially Negative Account Info Account NameSYNCB/AMAZON Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$350.00} past due as of XX/XX/2022. 
Status UpdatedXXXX XXXX  Balance {$500.00} Balance UpdatedXXXX  Recent Payment XXXX XXXX Monthly Payment {$51.00} Credit Limit {$380.00} Highest Balance {$590.00} TermsNA
Product: Credit reporting or other personal consumer reports

I have a late payment reflected in 2020. Which was never late, and it still reports on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Product: Credit reporting, credit repair services, 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. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
-XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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.