23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made over {$44000.00} in voluntary payments to Nelnet in XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to XXXX. I requested a full refund from XXXX in XX/XX/XXXX and so far have only received {$110.00} from Dept of Treasury.

After several calls and emails to both Nelnet and XXXX regarding my refund, I finally submitted a complaint to CFPB, focusing first on XXXX. Per the " company response '' section on CFPB, I received the following message from XXXX on XX/XX/XXXX : " Upon review of the National Student Loan Data System ( NSLDS ), there are several loans that were Paid in Full as of XX/XX/XXXX. These loans were serviced by Nelnet and were Paid in Full prior to your transfer to XXXX. XXXX would not be able to issue a refund on loans that were Paid in Full prior to transfer as we do not have the payment history or loan records for these loans. Please note that the deadline to request a refund of the payments made during the Covid-19 administrative forbearance period was XX/XX/XXXX. This information is verified at https : //studentaid.gov/XXXX. If you contacted Nelnet to request a refund of the payments made during the Covid-19 administrative forbearance period before the deadline, please reach out to Nelnet regarding the status of your refund. '' I had already spoken to a supervisor at Nelnet ( XXXX on XX/XX/XXXX ) before submitting the complaint to CFPB. During the call on XX/XX/XXXX he told me XXXX has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through Nelnet. He also mentioned during the call on XX/XX/XXXX the cutoff to request a refund from Nelnet was XX/XX/XXXX, and they have no record of me ever making a request. XXXX also notified me the messages I send through the " contact us '' section on the Nelnet website don't always attach to my account, even if I am logged in, therefore they deny any record of me ever requesting a refund. Nelnet does not have a " sent '' folder within my online account, so I am unable to provide screenshots of the emails. I did ask XXXX how they could be sure I never made a request if my emails are not archived by Nelnet or saved in a " sent '' folder, and he did not have an answer. 

I realize the deadline to request a refund has passed, but my original request was initiated in XXXX, as soon as I learned about the refund option. The back and forth between these servicers, the repeated instruction to allow XXXX weeks at a time for " further review, '' and the misinformation I received has delayed the entire process for me.
Product: Debt collection

In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX
Product: Credit card or prepaid card

Around XX/XX/21, I observed fraudulent charges on both my chase freedom and chase slate credit cards. I immediately contacted customer service, who informed me that my credit card had been denied at one merchant retail store, that the thief had attempted to impersonate me but had failed the security questions, and that they had called to inform the representative of a pending large balance. Throughout this, I was not contacted. The purchases were made the week of XXXX. 

The fraud was investigated and although some of the fraudulently used credit was refunded, I was Informed that due to the card having a chip, I was responsible for its usage. I explained that although I had requested new credit cards, I had never received them. I was then informed that my chase Slate card ( which has not been used for YEARS as it is an emergency card ) has been activated before the purchases, indicating to the investigating team that it was in my possession. I was then asked if anybody had access to my card, again, I said no. 

This experience has been frustrating as there was a clear attempt at identity theft and chase did not contact me or freeze any accounts for my security. Furthermore, the fact that I informed them of the fraud and have had to endure questioning which implies that I was somehow culpable for identity theft made an already difficult situation worse. I do not feel the representative was attempting to resolve the issue but was instead attempting to pursuance me of some sort of guilt. Additionally, I have been a chase customer for 11 years and carry various accounts, including my retirement, and have never experienced identity fraud, nor have I asked for assistance from chase in this matter, to receive minimal support during already stressful times is disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX 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 an account without my written instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$15000.00} ; XXXX  XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies : XXXX XXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the XXXX limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX  XXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access.

Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I am filing a formal complaint regarding the negative account listed on my credit report, as per the bureau 's records. 

I recently obtained a copy of my credit report and was XXXX to find several negative account listed. Upon reviewing the information provided by the bureau, I discovered discrepancies and inaccuracies that warrant immediate attention. 

This situation has caused significant distress and hardship, as it affects my ability to secure credit, loans, and other financial services. Therefore, I am seeking the intervention to ensure that these discrepancies are thoroughly investigated and rectified in a timely manner. 

I request that you conduct a comprehensive review of this matter and take appropriate action to correct the inaccuracy listed on my credit report. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these discrepancies. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I had called Money Lion and alerted them of an attempt to debit my account for a certain amount that I wasn't recognized. They assured me that the transaction wouldn't go through on XX/XX/XXXX the account was debited and then on XX/XX/XXXX there was only {$36.00}. I had to transfer to another account now they are telling me I have to wait 90 days to get my money back too long of a time to get credited after I tried to for-warn them.
Product: Debt collection

The company is EOS CCA XXXX XXXX XXXX XXXX, MA XXXX. I called them on XX/XX/2021 to better understand why they think I owe a debt that is over six years old that I can not verify is mine. The agent that I spoke to had several dates of service and was unsure which one was correct. She also suggested I just pay it off even though I am not sure it is mine legally. I did sent a dated letter asking them to verify the debt is mine and send over documentation from the original creditor so that I may better understand where this debt originated. Until I spoke to them today, they were calling upwards of 3x a day from spoofed phone numbers and I have yet to receive anything from them via USPS. I recently made a payment on this alleged debt but am hesitant to do so again until they verify that the debt is mine and I receive the documentation I am asking for.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights. 

I looked at my Equifax Cerdit report And noticed son inaccurate and missing information according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

15 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Discover was selling off their student loanss to XXXX. They said we had loanss 60 days past due and we received nothing about these loans and when we called in they said they were in Forbearance. We were given the wrong information and nothing in writting. When we foundd out it may affect our credit score we paid everything in full over {$9000.00}. They said we would still be given a ding on our credit score. I have been self employed for XXXX  years with perfect credit and now as a co signer my credit is ruined for XXXX years. Discover will not work with us even with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX & XXXX XXXX XXXXXXXX