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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.
Product: Vehicle loan or lease

I had an auto loan with XXXX XXXX. I paid on time never late. THE CAR WAS TOTALED. I HAD INSURANCE AS WELL AS GAP. I FILED EVERY CLAIM AND DID EVERYTHING I'M REQUIRED TO DO. I KEPT CALLING THEM AND THEY STALLED FOR MONTHS ON THE GAP INSURANCE. THEY KEPT ASSURING ME THAT THEY WERE WORKING ON IT AND EVERYTHING WAS FINE. NOW THEY PUT 30 DAY LATE PAYMENT ON MY CREDIT AND STATED BECAUSE IT TOOK SO MUCH TIME THEY ARE NOT DOING THE GAP. 
THIS WAS THEIR FAULT NOT MINE. THIS IS WRONG PLEASE HELP ME WITH THIS INJUSTICE
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS XXXX : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three years ago, I was told by a car dealership that I had a freeze put on my Equifax account that I did not put on there. After calling multiple times trying to explain what was going on ( there was a definite language barrier as the people I spoke with had a deep accent and they had to ask me multiple times to spell my name and for my social security number ), they asked me to send in my information to the Georgia office to verify my identity. After doing that and a few months, I received a letter stating they could not read the copy of my drivers license or social security card and asked me to send another copy. I have sent that in again and I never heard anything for months now. I have not been able to apply for a car loan in this time. I need to verify my information in a timely manner and remove the freeze I never placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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
Product: Debt collection

I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX. Now XXXX XXXX XXXX has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.
Product: Credit reporting

# 1. On my Experian credit report, XXXX did a hard inquiry on my credit report for their credit services on XX/XX/XXXX. I received a letter and multiple voicemails to call them to verify my information. I spoke with mulitple departments and no one was able to pull up my information. Every customer service agent I spoke to kept telling me that my old account was charged off which had nothing to do with my current application. There was no record anywhere of my credit being pulled in their system. I then received an email stating that I was denied credit, about 3 weeks after applying and being told that they never pulled my credit report. I would like the inquiry removed from my credit report since XXXX states that they never ran my credit. 

# 2. XXXX is also misreporting an account I had with them as both current and charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid XXXX and not a third party collection agency. 
Beginning on XX/XX/XXXX through XX/XX/XXXX, XXXX reported my account as charged off. From XX/XX/XXXX through XX/XX/XXXX, they reported my account in good standing. XX/XX/XXXX, XXXX again reported my account as charged off and then in XX/XX/XXXX and XX/XX/XXXX, reported my account as in good standing. XX/XX/XXXX it was reported as charged off again. Having the account go back and forth from in good standing to charged off wrecks havoc on my credit report, when the minimum that should have been done was to update my account to paid collection. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Money transfer, virtual currency, or money service

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

Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Jefferson Capital Systems Representative, After communicating and responding to several of your notices via communication that the collection for this debt was paid for and your company continually to proceed with this action is a violation of the Consumer Protection Act. This company has caused damage to my credit report. 

This account was fully paid off at the time your organization purchase this receivable. The consumer debt from XXXX was fully paid off on XX/XX/year> some 9 years and 217 days ago as documented in exhibit XXXX below. 

Johnson Capital Systems has grossly broken consumer credit reporting laws. I am hereby requesting an investigation on Jefferson Capital System for breaking consumer laws and obviously, I am not the only consumer calling their consumer service phone number since they had over XXXX calls before I called waiting to be answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

Existing USAA existing case number - XXXX Last conversation with USAA Office of CEO representative XXXX XXXX XXXX XXXX XXXX XX/XX/2022 On XX/XX/2022 I made a payment on my USAA XXXX XXXX Credit Card using the USAA app for my family 's weekly food budget of {$500.00}. I was travelling for work and this would give my family money to buy food while I was away. Over all the years I have had a USAA credit card, the payment would post the instant I made the payment. I have maintained the exact same external account for payments and I have never had a payment hold. In this case, AFTER I submitted payment I noticed it did not post even though my confirmation stated that the payment would deliver on XX/XX/2022. I called USAA to find out why, in this case, the payment did not post. I was told there can be holds placed on payments and they could not be removed for any exceptions. I do understand the need for a company to have a policy and I also understand this policy may have been stated in one of the many communications that are written by lawyers and sent to customers. This does not change that fact that I was told my money would be held for 8 days with no reason given for why it was determined to hold my payment this time. I am a working man with a family, managing daily expenses with a loss of access to my own money makes life extremely difficult and stressful. When I called to initiate a conversation I had to go through multiple calls to get in touch with someone who would talk to me. Once I did speak with someone I got a feeling that is exactly opposite of how USAA advertises itself. No one cared that the money being held was the money we budget for food. I do not think my XXXX & XXXX XXXX XXXX children are as concerned with large corporate policy over their food intake. My main complaints will be stated below... 

1. Communication about the hold prior to submitting my payment in a manner that would be reasonable for a consumer to recognize and understand on a cell phone app would prevent these issues in the future 2. No exact reason given for why this decision was made in this case. Even though it has never happened to me in the past 3. USAA speaks very highly of itself as a consumer centric company and up to this point I have found that to be true. In this case, it only takes one bad decision to ruin a relationship. No one was willing to take responsibility or even try to provide a resolution. I kept hearing " we can't do anything ''. When dealing with peoples personal finances that is not a phrase that should be used.

I only wanted some help form a company that I have been loyal to for a long time. Although I am sure to be considered a small time customer, from my point of view I go out of my way to give USAA all my insurance business and I bank there also. I just wanted to hear that someone cared and we could find a solution.
Product: Checking or savings account

I filled XXXX disputes with frost bank on XX/XX/XXXX for transactions that were not authorized. I was told that these were merchant disputes and not considered fraud and that no provisional credit would be issued. Alos that the disputes would take 120 days to resolve. I have not once since the beginning of these disputes received any correspondence via mail about the initiation or progress of these disputes from frost. My account went into the negative during the investigation of these disputes and was ultimately charged off and closed with a balanced owed to frost and negative information was reported by XXXX to chexsystems. On XX/XX/XXXX I called XXXX customer service looking for an update on the status of my disputes. I was told that on XX/XX/XXXX. The final credit was issues and the case was closed meaning the disputes were in my favor as I was stating and pleading the entire time since I made the bank aware of the fraudulent charges. No notice was sent by XXXX that my dispute was concluded and money was due to me and I only found out XXXX weeks after the completion by calling XXXX. I was told that I would be able to pick up money due to me at the branch minus money owed to XXXX. I have still have no update on when I will get my money and not received any notice from XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX 3. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : 1 ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Student loan

I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request to XXXX to receive my three free annual credit reports. I received my credit report from XXXX and XXXX XXXX but was denied my request from Equifax. I am submitting this request to assert my consumer rights and attain my credit report from equifax.
Product: Debt collection

I am writing to dispute the accuracy of information contained in my credit report as provided by XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! The account numbers on XXXX do not match from the two files of evidence. 
Creditor Name : 1STPROGRESSXXXX Credititor Address : FIRST PROGRESS CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX
Product: Student loan

After 2 years of continuous payment with Navient ( formerly XXXX ) I requested my cosigner be released because he has been threatening me. My credit report stated XXXX and I have XXXX delinquencies based on the report I printed out. They still rejected my claim. They did not want to work with me whatsoever.