23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

For XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only Equifax complied. XXXX and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I am victim of fraud. Bank of America did not complete due dilligence and decided to deny my fraud claim without doing any research in the disputed transactions. They provided frivelous reasons such as delay fraud reporting, transactions in geopgraphical area and transactions did not drain the account. I reported this within 7 days of first fraudlent transaction and that well before the 60 days after account statement. So the denial reason is illegal and grossly inaccurate. The are using stall tactics to prevent from having to lawfully credit customers account for valid fraud claims because they are unable to complete investigations with the ten business day timeline. This is a burden on consumers as Bank of America is not operating in good faith. I already reach out to couple of the Merchants who have acknowledged this is fraud the customer they have on file does not match anyone I know. Bank of America denied the claim without doing any research. This type of bad faith denials and delay tactics which places the blames on the vcitims of fraud must be addressed immediately. It is a business practice that will seriously harm those below a soci-ecocnomic status who are being denied timely crediting of fraudlent charges.
Product: Student loan

1 - They have been totally unable to keep me advised of the ongoing changes in the student loan situation. When I read online about PAYE being reopened for applications, I called them in XXXX. They had no idea what I was talking about. I went onto FederalStudentAid.gov and successfully applied for it. However, if Aidvantage processes the application, I expect an erroneous processing. 
2 - I am currently on the SAVE plan and am in forbearance with no interest accruing. I have continued to make payments as all payments are supposed to go to principal. The payment I made XX/XX/XXXX should have reduced my principal to {$48000.00}, but according to my account information, they applied only {$65.00} to my principal without any explanation. ( See the amount from FSA showing the amount outstanding as of XX/XX/XXXX before my {$230.00} payment was posted ). 
3 - I signed up for autopay through my account ending in XXXX with XXXX XXXX. All my payments were being withheld as proper. Then SAVE was put on hold. I continued to pay through this same account with no difficulty. Tonight when I signed onto Aidvantage, they had the last 4 of my account as XXXX but inexpicably showed my account as being with XXXX with whom I have never had an account. I am old - XXXX yo with almost a XXXX XXXX XXXX XXXXXXXX. This so frightened me, I had to take extra XXXX XXXX XXXX. I printed that page so I have proof. I signed off and later signed back on and then it had XXXX. XXXX is now XXXX, but the routing number is the same. Why did this happen? 
4 - They show my student loans as being for having attended XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and those loans were paid off at least 50 years ago. The loans I made were for XXXX  XXXX University and XXXX University. 
5 - They can not provide me with a complete history of my outstanding loans. I think they have no idea what they are doing. 
I have zero faith in this servicer. I had XXXX before them and XXXX XXXX before XXXX. 

I think I am entitled to a professional, reliable and competent servicer who has and should provide me with a complete history of my loan history and payments. I think they should be compelled to credit my payments appropriately. I think they should know what changes are coming to the student loan program before I do ( having learned it myself from XXXX online ). I think they should correct all the errors in my record. 

Lacking that, I think I should be assigned a new servicer who can do these things. This is patently unfair to force me or any other borrower to have to rely on such sloppy record keeping when I and others are trying to make good on our payments Tonight, I filed a complaint against them on FederalStudentAid.gov, but see online posts that indicate FSA complaints go nowhere and suggest that your agency actually gets things done. 

I am pleading with you to help me, and I can provide you with documents to verify my statements.
Product: Credit reporting or other personal consumer reports

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 I t also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This month a collection account showed up on my report that I know nothing about. Transworld Systems Inc has never communicated with me via email, phone, mail or other means. They have not contacted me about any alleged debt collection. They have not validated and proven any debt exists. I am disputing this debt. Under 15 USC 1681s-2 ( a ) ( 7 ), I should have been notified before negatively placing information on my credit report that is harmful to my reputation and ability to obtain credit, housing and other services. I have never heard from this company or been given an opportunity to dispute it and DO NOT believe the debt is mine. They have also broken FDCPA 1692 ( e ) for misleading or deceptive reporting of a debt to credit agencies without validation including a forward flow agreement and proper chain of assignment per 1681e ( b ). Please promptly remove this collection account from XXXX, XXXX and XXXX for not following FDCPA laws. Where is the permissible purpose I gave for this account to report on my credit report according to 15USC 1681b if I don't even know it exists? Again, there is no proof or information indicating this account belongs to me.
Product: Student loan

Subject : Formal Request for Student Loan Cancellation Due to FERPA, Privacy Act, and Data Security Violations To whom it may concen, I am writing to formally request the cancellation and discharge of my student loans serviced by Nelnet due to multiple violations of federal laws, including : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 The Higher Education Act Failure to Secure Student Data ( Data Security Breach or Mishandling ) Legal Violations & Supporting Evidence Unauthorized Disclosure of My Educational and Financial Information It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 
FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 
Failure to Protect Personally Identifiable Information ( PII ) Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, NELNET has breached contractual terms and obligations, rendering these debts unenforceable. 
Nelnet failed to secure my sensitive information, leading to possible identity theft, fraudulent loans, or other financial harm. 
Negligence in Complying with Federal Regulations on Student Privacy Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors. 
Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to NELNET and subsequent data breaches demonstrate clear negligence. 
These violations constitute a serious breach of federal law, affecting my financial security and legal rights. As a result, I demand the following actions : Requested Actions : Immediate Discharge of My Student Loans Complete Removal of all NELNET related entries from my credit report and any Related Negative Credit Reporting A Written Confirmation of Loan Cancellation Within 30 Days Failure to comply with this request will result in immediate action, including formal complaints to the U.S. Department of Education, the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. If necessary, I will also pursue legal remedies. 
Please confirm receipt of this letter and provide a written response within 30 days. I expect a resolution of this matter promptly.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting

Received my Score form Experian from my bank. Folllowed the link on the pdf to get the free annual credit steps online on Experian. After I actually started disputing a few things on the report and adding them successfully to cart, I was n't allowed to proceed, kicked out of the system. I tried many. Still no access to all the work and disputes. A failure notice that says I need to write to Experian. No technical error. Tried a different laptop, great connection. I try to sign up and /or buy a product and it works well. This is a way of making things difficult deliberately to consumers -- who would mail instead of having online access? -- a way to oblige consumers to get the free annual report and actually dispute transactions online
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the CRA Equifax and XXXX on XX/XX/2023, I received no response from the CRA only XXXX removed my accounts. I had to call in order to get my report sent to me and yet and still the negative accounts still remain on my credit. 

This complaint details how Equifax XXXX XXXX are violating the law. 
The evidence will prove that Equifax solutions incorporated knowingly willfully violated the federal credit reporting act 605C. The evidence will show that Equifax XXXX XXXX conspired with the companies listed on my credit report to violate my consumers rights.
Product: Prepaid card

I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you.
Product: Credit card or prepaid card

I registered for a conference because my employer wanted me to attend. That conference was scheduled to take place in XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX. The event did not take place as a result of COVID19. I requested a refund of the {$1000.00} registration fee that I put on my Citi MasterCard. The merchant refused and instead offered me a ticket to a future event. I told the merchant I am not sure I will be able to attend a future event, and I am not sure my employer would want me to attend, and furthermore I'm not even sure I will be employed! They still refused to give me a refund. I filed a dispute with my credit card company ( Citi ) explaining this and sharing my communications with the merchant. They reached out to the merchant who provided a receipt for another conference guest in the wrong amount. Citi then told me that the merchant has a no refund policy and they had resolved the dispute in their favor. I called in spending hours on-hold talking with numerous agents than promised they would help me but did not! The merchant 's cancellation policy is for when an attendee has to cancel, not for when the entire event gets cancelled by the organizer! I intended to go to the event, but was not able to because it did not happen. It's unethical for the merchant to keep my money for a different event that I did not sign up for and may not be able to attend. I did not receive the service I purchased, and Citi refuses to properly investigate my case and do the right thing in returning my money.
Product: Debt collection

collection added to mycredit report. contacted remex multiple times for proof that i owe this. received a ledger that does not prove anything and includes medical information but no proof that i signed for them to have my medical info. possible hipaa violation? sent another request asking again for validation. Received a final letter from remex stating that they will not send anything else.
Product: Mortgage

My mortgage was in the rears for more than 12 months. Mortgage company hired XXXX XXXX XXXX XXXX XXXX XXXX to conduct a foreclosure on my property. The scheduled date for the sheriff sale was XX/XX/2024. On XX/XX/XXXX I called mortgage company to schedule a payment plan. They agreed to take {$300.00} per month and took {$300.00} on the same day. They also took another {$300.00} on XX/XX/2024. However the foreclosure sale still happened on XX/XX/2024 even after they have taken my two payments. Mortgage company has entered into an illegal Dual Tracking and in the state of Minnesota this is predatory and highly illegal. I called mortgage company several times and after a couple of weeks of giving me the run around they told me that there is nothing they can do. I proceeded to contact XXXX, XXXX XXXX XXXX XXXX the attorneys in charged of the foreclosure sale on XX/XX/2024 and spoke to attorney XXXX XXXX who asked me to submit proof of my payments which I emailed to him on the same day. After no reply for more than 10 days I emailed him back inquiring about my case and he responded " We have forwarded your file and your messages to Shellpoint and escalated them as a matter to be investigated in a timely manner. '' As of today no response has been received.
Product: Vehicle loan or lease

The XXXX XXXX was awarded to my ex-husband in our divorce. The divorce order states he is responsible for all indebtedness to this vehicle, and I am to be held harmless. He is behind on the payments, and it is now showing up on my credit report. I have submitted a copy of my divorce order to Toyota Financial Services at their request.
Product: Checking or savings account

I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been draining money from 3 of my bank accounts and cards. I awoke last week and the police took my statement again and then caught the culprit with my help. They found the culprit with my phones cards receipts everything. So I sent all the police reports to Wells Fargo and offered to show hospital reports too. They denied my claim in 3 days.
Product: Mortgage

Once again I have been trying to get a loan modification on my home for a year and overtime I would submit information that has been sent back for the same information submitted. I have submitted information in duplicate and triplicate. This has been a very XXXX frustrating dilemma for me and my family to say in the least. Wells Fargo has never given me an answer instead they have kept moving the sale date and asking for the same information. The last piece of information was a explanation from my XXXX who had a major XXXX XXXX and has been hospitalized since the XXXX week of XXXX. Due to this affection I was unable to get the information requested. I tried to explain it to my rep, what transpired but he stated unfortunately their was nothing that they could do. This has been ridiculous on how I have been treated through this whole ordeal. Regardless whatever they asked for I would bend over backwards to submit. Hopefully you can understand how I feel having to go through this for a year. All I ever asked from Wells Fargo was a chance to get a trial modification to work on saving my home, but it seems like hey have a vendetta with my loan and the games that they are playing are really affecting my family 's well being. I also am in a class action suit against Wells Fargo on sub prime loans which they dropped my principal but again they raised it. Enclosed you will find the information that has been sent to Wells Fargo. Since now I am facing a XXXX XXXX sale in which they did not postpone I need the current situation to be amended so that I can save my home. Attached you will find information that proves I have complied with Wells Fargo. My prior as number is XXXX. This is my second filing due to the fact I had been told on numerous occasions that underwriting had everything that they needed but always needed the same thing that had been submitted. Enclosed you will find the numerous times that they have assured me that they have everything that they needed to move forward as well as a list of items documented in duplicate and triplicate.
Product: Checking or savings account

Cash app has repeatedly refused to send me a debit card with a tracking number. After multiple attempts and several cards being lost in the mail, I requested a tracking number which they refused. I then provide written notice 3 times to close my account. It is in good standing and a XXXX balance. They have refused to help me every step of the way or to comply with my demand to close the account.
Product: Credit reporting

I have consolidated student loans and the XXXX XXXX XXXX XXXX has sent the corrected information to all XXXX reporting agencies and Equifax has still not corrected this information. There is only XXXX loan through the XXXX XXXX XXXX all separate loans through XXXX have been closed and paid in full. These should be taken off of my account at once. At this time Equifax has them listed twice for the consolidation loan and then separate old loans. 

I want these fixed ASAP so as to stop affecting my credit score.
Product: Debt collection

I have contacted this company several times about 2 accounts for XXXX XXXX. I have 3 accounts on my credit report. The 1 that is actually mine has been paid off. These two that were bought by Portfolio Recovery, LLC. The balances are {$450.00} and {$420.00}. I asked wrote this company over 4 times requesting specific validation of the debt, including signed contracts. The only thing that I was sent was a billing statement for the account with the {$450.00} balance. I have called and requested validation and was told that information could not be sent out because debt is too old to dispute. I was told that if I did not submit a settlement offer they would notify my employer. And I paid they would remove information from my credit reports. I submitted an offer and they denied it as well. I have tried everything possible to dispute the debt and have it removed. I have only had 1 XXXX XXXX account but Portfolio Recovery will not assist with validation or removing the debt.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has XXXX affected my XXXX, and I need your help to resolve it. The way you have handled my XXXX XXXX has caused significant damage, leaving my XXXX in XXXX due to your inaccurate reporting. I urge you to correct these issues so that I can XXXX peacefully with my XXXX.