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

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, Nelnet has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which Nelnet has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. My rights have also been violated in Nelnet as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Product: Mortgage

As attached document illustrates, I currently have an ARM mortgage with Chase Bank. My interest rate is currently based on the LIBOR, which I understand is being phased out in 2021. I have been in contact with Chase Mortgage Division, Escalation Dept, to find out what Index will be used to determine my mortgage interest rate in 2021, as my rate is determined by the Index value published on XX/XX/XXXX of each year. ( Given that date, XX/XX/2021 is coming up in 3.5 months, I want to know what my mortgage rate and payments will be ) I have repeatedly asked Chase to advise me of what Index they will be using to determine my rate, and they have advised that they " can not '' provide this information to me at this time ... My contractual mortgage agreements with Chase all reflect that the LIBOR is the Index that will be used for my ARM. As the borrower, I feel i have the right to know what is happening with my mortgage rate, if indeed Chase is dis-continuing use of the LIBOR index for adjustable rate mortgages. 
I AM REQUESTING A SOLID ANSWER TO THIS QUESTION FROM CHASE BANK.
Product: Credit reporting or other personal consumer reports

On XX/XX/ at XXXX mountain standard time, I received an email from XXXX XXXX XXXX that a lender recently checked my credit report. When I reviewed the alert on my XXXX  app, I did see and inquiry from WF CRD SVC. It was a XXXX, so I called Wells Fargo on XXXX  morning. In addition, on XXXX, XX/XX/ at XXXX XXXX  mountain standard time, I received an email from IDProtect - Alerts stating a change had occurred in my credit file. When I checked the alert online, I again saw the Wells Fargo credit inquiry. I called Wells Fargo XXXX  morning at approximately XXXX XXXX  and spoke with a lady who found that someone applied for a credit card using my previous last name. She took my current information and sent it over to the Wells Fargo Fraud department. I then went online to XXXXXXXX and placed a fraud alert on my account. I also called XXXX to report the false inquiry to them. I was advised to file a police report. XXXX  afternoon at about XXXX, I went to the police department to file a police report and they denied my request and instead gave me a printed copy of a document called Taking Charge, What to do if your identity is stolen from the Federal Trade Commission XXXX I then went home and started this report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Consumer Loan

I received an advertisement in the mail about RISE loans. No where on the paperwork they sent me did it indicate how much interest is charged. The advertisement refers people to a web site : RISEcredit.com. There is no indication on that web site as to how much interest is charged. I had to call XXXX to find out the interest rates start at above 36 % and top out above 300 %. Is n't interest information required on these advertisements? This was an unsolicited loan offer, telling me I was " pre-selected ''. Does that mean, low income or having a poor credit rating, making me vulnerable prey to a XXXX company? If interest rate info is not required on these ad 's, it needs to be required.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( TransUnion, XXXX, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was chatting with a woman around XXXX XXXX. on XX/XX/27 on XXXX and was trying to buy concert tickets. After coming to the conclusion that she seemed legit, I agreed to buy them and sent the payment. However, immediately after things became fishy. She told me that I needed to send another payment via PayPal because her account wouldn't work and that she would refund me. After chatting with PayPal, there was no refund received, and I got no tickets in exchange. She of course did not respond to any of my messages and PayPal can't do anything because it was sent via a friends/family payment. Please help me get my money back and convict this horrible thief. I can reach out to PayPal for confirmation and share the full XXXX message string.
Product: Debt collection

I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with XXXX XXXX yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.
Product: Credit reporting

I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.
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. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX  XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number 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 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.

Theses accuracies is stopping me from getting a new home for my family.
Product: Credit reporting or other personal consumer reports

Identity theft was made with my name I had no acknowledgment of this.
Product: Debt collection

I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent items I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I need you to remove from my XXXX File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Opened Sep. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX. With you not sending me any documents to support your claims that the disputed items belong to me, I have been expecting immediate deletion of the disputed items off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my information on my report disappeared. When I would call they would not give me any information. I faxed my information to Equifax and the guy asked me " how did I find out? '' They have yet to respond nor have they corrected the issue. I am afraid that if not addressed it can happen again. Now I live in fear because someone has use of my social security number. I notified as many people as I could including our local district attorney general office. I used XXXX XXXX because I was a victim of Equifax 's breach and that was how I caught it. Please help! The XXXX charge was from a hospital. XXXX can verify this because my XXXX worker at that time paid the bill due to myself being covered at that time. One was from XXXX XXXX XXXX and one was from XXXX XXXX which I paid. I paid off XXXX XXXX XXXX. I also paid off XXXX XXXX. All have vanished.
Product: Debt collection

I do not recognize the debt associated with XXXX XXXX XXXX that appears on my EQUIFAX consumer report. I demand verification of the alleged debt from XXXX XXXX XXXX. An agreement between my person XXXX XXXX XXXX XXXX and XXXX XXXX XXXX bearing my wet ink signature. Upon verification of the alleged debt I will proceed with the administrative process in order to cancel/discharge the alleged debt of the alleged debt is verifiable. If the debt can not be verified with an agreement between XXXX XXXX XXXX XXXX bearing my wet ink signature I demand that EQUIFAX delete the account for identity theft purposes because XXXX XXXX XXXX accessed my consumer report without my authorization and attempted to force me to pay them an alleged debt under the threat of duress and coercion by reporting negative remarks to my consumer report. As well as TAX FRAUD because they report to account as charged off on my EQUIFAX consumer report, and if the debt is a false then they charged off a fake debt and this must be reported to the IRS technical support division.
Product: Credit card

There was an unauthorized payment, it was reversed, i made a payment to cover it. they closed my account and refuse to reopen it.
Product: Credit card or prepaid card

I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a XXXX XXXX gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a 5 cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their XXXX XXXX for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Exchange Credit Program, as the credit card vendor, should work with the XXXX XXXX XXXX XXXX in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current highcost of gasoline, the 5 cents per gallon discount offered by the Military Star card offerstremendous savings in the long term. However, continuously encountering problems with usingthe card would essentially negate the benefits of the cost savings offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with CFPB as I have been trying for several to request Experian to provide full validation of this late account XXXX XXXX Account number XXXX. Experian has violated my rights under FCRA, Fair credit and billing Act. I have requested by certified mail requesting full validation under FRA and requested documentations under fair credit and billing act. I need to know how they came up with the conclusion that I was late. Please comply with this request or delete immediately.
Product: Debt collection

On XXXX/XXXX/XXXX I received medical treatment from XXXX. They sent statements to an incorrect address in North Dakota. At some point, they sent it to collections to National Service Bureau, where it was assigned account # XXXX, and has a balance of {$240.00}. I found out about this when I saw it on my credit report when I looked at XXXX, I called them, and asked why they had not tried to contact me or send me a notice advising me of my rights and given me the opportunity to pay this debt before a permanent negative mark would be placed on my credit report for seven years. Well, they had an incorrect address in the wrong state. When I moved, I notified the USPS and had my mail forwarded to my new address. I never received the original dunning notice I am entitled to, that gives me 30 days to dispute or pay this debt before a negative rating gets placed on my report. 

I spoke to National Service Bureau on XXXX/XXXX/XXXX and offered to pay for the bill, in full, but requested that they update my address and remove this from my credit report based on the fact that I never was given an opportunity to pay it. They acknowledged they had an incorrect address, and still refused to comply with my request. I remain adamant that should I have been given the opportunity as I am entitled by law to dispute or pay this debt within 30 days of being notified, I would have exercised my rights to pay this and avoid this 7 year adverse remark on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

Money has been misapplied several times After several calls to rectify the situation it continues Principal has been paid down to under 75 % of loan value and lender will not remove PMI Late charges have been applied to account after making more than double payments required. 
Have not been provided account info upon request
Product: Debt collection

This is a debt that my ex-husband ran up in my name, and is over XXXX XXXX XXXX. The debt is significantly less than the amount the collection agency is claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, transunion, XXXX, XXXX XXXX, XXXX XXXX is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.
Product: Student loan

My student loans are current and in good standing according to the National Student Loan Data System by the Federal Student Aid which is an Office of the U.S. Department of Education. I have sent several rebuttals to the U.S Dept of Education and I have also done credit disputes about the U.S. Dept of Education still showing on my credit report, when all my student loans are with NELNET and are in good standing.
Product: Checking or savings account

I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX  account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX  had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX  from my account
Product: Credit reporting or other personal consumer reports

All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts XXXX are reporting also different payment history on each one but has since been updated to paid as agreed XXXX XXXX XXXX XXXX XXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXXXXXXeach bureau are reporting different payment history-
Product: Mortgage

The loan was an XXXX XXXXXXXX XXXX the foreclosure was from XXXX XXXX XXXX XXXX  which is not a company and so they made up a company to foreclose because XXXX XXXX is gone. The loan is a asset back security and the original loan doesn't Exist. Despite all that the judges in Hawaii don't care they worry about their pensions only and they claim they sold the house but the didn't foreclose on the owner they foreclosed on me the tenant that lives here! 
It's a wrongful foreclose and they offered me a chance to pay {$400000.00} and I had a witness on the phone and then when we asked for payoff it was XXXX plus
Product: Credit reporting, credit repair services, or other personal consumer reports

Request NCA to Verify this accounts by disputes trough credit bureaus nothing was done on my favor besides NCA keeps resetting the Calendar/clock on my credit file Fail to verify by frivolous responding to my request to verify or deleted accounts from credit report NCA is holding down my credit report to the point that I was unable to buy a house because their refusal to stop their illegal collections practices just because they hide behind the credit bureaus I requested a copy of this accounts they just refused to Please Help Me CFPB youre my only hope