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

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.     XXXX / XXXX  D ate of reque st   XX/XX/XXXX  XXXX   XXXX  Date of request   XX/XX/XXXX      XXXX   XXXX   XXXX   Date of reque st    XX/XX/XXXX      XXXX   XXXX   XXXX    Date of request   XX/XX/XXXX      XXXX   XXXX  Date of request   XX/XX/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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have to deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX  XXXX. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Product: Student loan

I applied for the SAVE program in XXXX and received and email from the student aid website saying that they received it and my loan servicer would be in contact. I then received an email from Nelnet a few days later saying they received my application and they were reviewing it and theyll update me and contact me if theres any additional information that is needed. I never received information or a status update after that. I did however receive multiple emails from Nelnet saying that my payment would be due soon. A few days ago, on XXXX I received a bill from Nelnet ( 12 days before the due date even though according to the student aid website, we would receive bills at least 22 days before which clearly didnt happen ). I then tried to contact Nelnet and no one picked up the phone, I called again the following day and was on hold for about 3 hours! I explained the situation and was told that the reason I never an email regarding my application status is due to the fact that I didnt set up e-correspondence which makes no sense because I was receiving other emails from them. The rep then told me that they sent out a letter on XX/XX/XXXX ( which I never received ) that explained that they couldnt process my application because there was missing information. Again, all information that I never knew of. The rep told me she would be in an admin forbearance so that I could send all the documentation that is needed but she told me once I sign up for emails I would start receiving updates about my payment repayment status ( being in forbearance ). I checked Nelnet today and seen that I am now in forbearance but i never received an email stating that which I was told I would. I am beyond angry at the lack of professionalism and the fact that Nelnet is dropping the ball and not doing what theyre supposed to do. This is extremely unacceptable! Ive uploaded screenshots.
Product: Student loan

XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  account # XXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.
Product: Debt collection

Hello : I am disputing this debt : Jefferson Capital System : XXXX XXXX for {$1200.00}. I am unaware of this debt nor have I received any notification attempting to collect this debt. According to my credit report this account was opened on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies loanDepot and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Product: Debt collection

Claim XXXX was closed but collection agency continues to provide false information regarding the debt. They continue to list debt as being only four months old, instead of the actual date of service by original owner, XXXX XXXX XXXX XXXX XXXX XXXX which is XX/XX/2018. 

Listing it as a new debt is harmful to my credit and should be revised immediately. The company pleads ignorance in how the date is listed, which is falsifying information regarding this debt.
Product: Debt collection

Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> I have contacted this collection agency. Because I got a report that something was added to my credit. It dropped my credit over XXXX points. And they added XXXX separate collections with a total of XXXX points was taken from my credit report. I asked them to provide me a validation of death. They refused, they said that they had already contacted me before, but when I asked them to verify the phone number and address they didn't even have the correct phone number or address. So there is no way that they could have contacted me and have spoken to me. And when I ask for a A validation of debt they refused
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXX, XXXX  XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or Speedy Cash. I have asked XXXX XXXX XXXX to provide me with verifiable proof to include my signature. I have been told by agent at XXXX XXXX XXXX they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of XXXX  nor is there a office in the state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left  unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit card or prepaid card

I currently have an Ulta store account. I have never changed the process and how I made my payments to them. Ive never opened a second account, Ive always just had one account with XXXX. Two months ago for some reason they credited my payment to a different account and sent me two different statements showing both my current account and the closed account with now a - {$40.00} in the balance. Meaning that I over paid by {$40.00} on an account that doesnt exist. Ive talk to Ultas customer service to try to remedy this and get my {$40.00} back. I show my bill pay as successfully sending XXXX a payment. I have a statement from XXXX showing that they have a closed account with me that has a {$40.00} balance in it that is owed to me. Yet I can not get anyone at XXXX to refund that money.
Product: Debt collection

Contacted company and told them that I was removed from property. Person at property continued to use services. Informed people at property to allow company to remove equipment. They never did. I have not lived at property in over 3 years.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ). Pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXXl XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

GLOBAL LENDING SERVICE AND LEAD BANK never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I got letter from collection company that I owe over {$4000.00} from XXXX I called the number on the letter and exyyo them that I don't owe this the apartment I was living had the garbage included in my rental it was a complex and the property management was paying the bills and I did give them the phone number of the property management but still we getting letters and phone calls and being harassed I requested the full bill details they did not send me I called the garbage company and they telling me it's on collection and they can't help or give me any information I like to go to court and file a lawsuit against both garbage company and collection company for harassment and damage of my credit It be great if I can get help
Product: Checking or savings account

have this BoA debit card since 2011  I think it s alredy been 10 years! And I get a letter from them XX/XX/XXXX they said my bank will be closed, I dont know why, I try to call them ask why, they said they cant tell me Please help me I just try to open new account to use
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?
Product: Debt collection

I receive more than XXXX calls per day from various numbers associated with NCA. I have confirmed that each number belongs to the company. Despite requesting them to cease contacting not only my phone but also my relatives, they continue to do so, which may be a violation of state law, specifically under the Florida Consumer Collection Practices Act ( FCCPA ), Section 559.72, which prohibits harassment or abuse in connection with the collection of a debt. Additionally, on XX/XX/XXXX, I sent a dispute via certified mail, requesting validation of debt as per 15 U.S. Code 1692e 10 regarding false or misleading representations. Specifically, I request proof of the alleged late payment, including the original application, contract, note, or other instrument bearing my signature. If unable to provide such proof, these items must be promptly removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest certain inaccuracies present on my credit report, which I obtained from your company. After receiving my Consumer Report, I have identified the following disparities : 1. Incorrect personal details listed on my Consumer Report. 
2. A XXXX account which is not my account furnished on my report These inaccuracies are negatively impacting my reputation as well as creditworthiness and do not accurately represent my non public personal information in accordance with my rights under the Fair Credit Reporting Act. I kindly request that you promptly investigate and rectify these errors. 
To support my dispute, I have included relevant documentation to substantiate my claim. The supporting documents consist of : A ) A copy of my Drivers License B ) A copy of my Consumer Report C ) A copy of a W-2 I respectfully request a thorough investigation into the disputed information and an update to my Consumer Report accordingly. It is crucial to maintain the accuracy and integrity of my credit history to ensure equitable access to credit opportunities and financial benefits.
Product: Debt collection

Have received calls XXXX per day from the same numbers looking for a family member. They claim to be from XXXX and XXXX XXXXXXXX XXXX P & B Capital. XXXXXXXX ; XXXX ; XXXX have been reaching out repeatedly and have also tried to contact other friends and family members despite being on a XXXX registry
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft report # XXXX
Product: Credit card or prepaid card

Capital One called me with a fraud credit card opened. I shut it down but they want a police report. The police will not do a report without a statement and account # from Capital One. I have had several calls with them and they say they can't provide that to me. But they are requesting a police report.
Product: Debt collection

In XXXX XXXX XXXX, I reached out to the company, requesting that proof of ownership be provided for this account. The company only sent in return a one page statement of purchases with nothing else to prove ownership. I then asked the company to cease all debt communication until proof of ownership was provided. The company continues to call and email about this debt. I also provided the company with a notification showing that I had been a victim of identity theft, but they failed to respond to that as well.