23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the SAVE plan back in XXXX and Nelnet only put half my loans on the SAVE plan. I called them for more information ( and sat on hold for 3.5 hours ) and they told me that half my loans were in a grace period forbearance so would not be on the SAVE plan ( allowing them to collect interest unfairly. ) I was also told that my remaining loans would be put on the SAVE plan as soon as the grace period ended. 

The grace period has ended now, and they were not put on the SAVE plan and Nelnet expects a {$900.00} payment on them in XXXX. I emailed this time ( because I am XXXX XXXX XXXX and do not have 4 hours during business hours to sit on hold ) and I received an email telling me that I would have to wait 50 BUSINESS DAYS to get more information. ( during which time they would be able to collect interest, naturally ) I went to the Department of Education, and my account there said that only half my loans were on SAVE despite all of them being eligible for it. Using this information I applied to have my loans re-considered for SAVE and now I have received an email Nelnet has put me on ANOTHER administrative forbearance ( allowing them to collect interest on all my loans ). However, there is NO information about this in my account, which says that payments are due as usual. 

This is obscene. The game is rigged against student loan borrowers. I intend to make payments, and I applied for SAVE to make smaller payments as I start my career while holding off on letting massive amounts of interest accrue. I fully intend to pay my loans back. However, rather than complying with the law, Nelnet has figured out how to weaponize its bureaucratic incompetence to collect interest it has no right to if it followed the SAVE plan. 

I am XXXX  XXXX, building a professional career that will allow me to pay back my loans, and because of this, I can not sit on the required 3.5-hour phone, waiting for someone to give me incomplete and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account ( XXXX XXXX ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX & Equifax provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/XXXX I contacted XXXX, Experian and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted several times two have this company correct The inaccurate reporting of several accounts according to the FCRA pursuant to 15 USC 1681a fairness and reporting all reporting accounts must be 100 % accurate, 100 % verifiable, 100 % complete. Also, I have requested validation for several accounts and a description of procedure, which has not been provided to me pursuant 15 USC 1681i ( 7 ) 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests to please remove items that were fraudulent on my credit report from identity theft however the same reports continues to show on my credit report I have been submitting since 2015 when I actually began to evaluate my credit they also continue to keep out date and closed reports as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX and Equifax certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand XXXX and Equifax remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : THE BUREAUS INC - XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles 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. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per XXXX XXXX, I am requesting their removal within 15 days. Attached are the necessary documents for your review.
Product: Credit reporting or other personal consumer reports

There were XXXX hard inquiries placed on my credit report by XXXX lenders, all happening around XXXX XXXX, on Thursday, XX/XX/year> : XXXX XXXX  XXXX Citibank XXXX XXXX XXXX XXXX XXXX I have contacted all three credit bureaus and demanded that these hard inquiries be removed immediately as fraudulent, and have had them place a freeze on my credit report, as well as a XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I filed a claim to Wellsfargo for fraud because I paid for a service and did not receive the service. 

They denied the claim. 

I paid for the service on three different accounts and I have proof of the interactions and the service I did not receive. 
Please help me dispute this with WellsFargo and XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I arrived in the US this XXXX, marking my first time in the country. In XX/XX/XXXX, I attempted to apply for my first US credit card with XXXX, only to be rejected due to an outstanding bill on a credit card reported in my Experian credit report. This was surprising as I had just arrived in the country and had no prior credit history in the US. 

Upon creating an Experian account using my personal information and newly issued SSN, I discovered that Experian had erroneously linked me to an existing account belonging to someone else. This account, which had similar ( but not identical ) personal information, included a credit card from XXXX XXXX XXXX with an outstanding bill from XX/XX/XXXX. Notably, this credit card was issued in XXXX, a time when I was not present in the US. 

Despite providing Experian with comprehensive personal documentation ( including my passport, State ID, Bank Statement, police report, SSN, past two years ' mailing addresses, full name, DoB, US-government-issued XXXX XXXX XXXX ), my efforts to dispute this error have been unsuccessful. Experian 's reasons for rejecting my dispute include a lack of sufficient proof from my side and XXXX XXXX  XXXXXXXX XXXX confirmation of the credit card 's validity. First reason that Experian gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by Experian, including my passport, State ID, Bank Statement, police report, SSN, past two years 's mailing address, full name and DoB ( even my US-govern-issued XXXX XXXX XXXX ). Second reason is that they told me that XXXX confirmed that that credit card is 'valid ' so they can not remove it from my Experian credit report. But it does not belong to me. 

Given these circumstances, I believe my situation falls under the purview of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to provide accurate, fair, and private information. Under the FCRA, consumers have the right to dispute and demand correction of any inaccuracies in their credit reports. The Act obligates credit reporting agencies to investigate consumer disputes and correct or delete inaccurate information within a reasonable timeframe. 

Furthermore, if identity theft is a factor, the Identity Theft and Assumption Deterrence Act provides additional protections, making identity theft a federal crime and assigning specific responsibilities to the Federal Trade Commission ( FTC ) to assist victims. 

I am prepared to take legal action under these federal statutes to ensure the correction of my credit report and dissociate my identity from this erroneous account. I seek a complete removal of the incorrect credit record and a formal acknowledgment of this error from Experian. I also request ongoing credit monitoring services to prevent future inaccuracies and protect my credit status.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Resolution To whom it may concern, I am writing with the utmost urgency regarding the complaint I filed with the CFPB on XX/XX/2024. XXXX. I am requesting an immediate and satisfactory resolution to the inaccurate information on my credit report I disputed. Transunion said that they are unable to locate my credit report. I don't believe that because Transunion has sent me several copies of my credit report through my email that I have on file. Transunion continuously being unresponsive and unhelpful in this matter. Transunion is legally required to respond to the CFPB complaint within XXXX days. The FCRA law requires Transunion to investigate and resolve dispute information in a timely manner. Transunion 's failure to do so within the prescribed time frame would constitute a violation of the FCRA law. I have sent in copies of previous correspondence with Transunion, as well as supporting documentation to this issue. Failure to resolve this matter, I am prepared to escalate this complaint to my XXXX XXXX and I will further pursue all legal action under the FCRA.
Product: Credit card or prepaid card

I went to XXXX XXXX to get an annual free credit report and which time I was deceptively charged a recurring charge/fee of {$24.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX I attempted to contact the merchant Experian and requested a refund and was denied, Debt validation letter was denied, any proof of purchase ( wasn't able to provide ), asked about why I didn't recivce any reciept of purchase or achknowledgement of purchase wasn't able to provide, and requested a supervisor/manager was told that there are none that work on the weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I thought the problem was solved as I had already filed a complaint with you guys. But yet again the call several times a day from different numbers. I don't know the person they are looking for. They a e calling for a XXXX or XXXX XXXX. The number doesn't belong to him. Or myself XXXX XXXX and I have already asked them to cease all communication as I am filing bankruptcy. I just want the calls to stop. This is now harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting a collection on my file that needs to be removed. I took a look at my credit file and noticed this debt reporting. I immediatley called and settled it with them. However, I was unaware of this collection and was never given a proper 30 day right to dispute. When I called and spoke to the person on the phone regarding a deletion letter they told me that I had to request for one in writing and I did so and never heard back. I'm not sure if they never received it or just ignored it. However, I have settled this account and am now asking that they please remove the account from my credit file. I am aware Mountain Land has the ability to remove these because they are the original furnisher. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$4200.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, GA, XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like XXXX are required to ensure maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. 

XXXX has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. 

The following items on my credit report are inaccurate : 1. XXXX XXXX XXXX Account # : CLRUGD**** Inaccurate : The Date of Last Payment, The Date of Closure/Date of Last Report, and the Payment History are all Inaccurate. 
2. Attached to this is a correspondence from XXXX XXXX XXXX I Demand 1. Conduct a thorough and complete investigation into this matter.

2. Correct or delete the inaccurate information immediately 3. Provide me with a copy of the updated credit report reflecting these changes. 


Please note that failure to address this dispute within the legally required 30 days will result in further action. I am fully prepared to file a complaint with the CFPB, as outlined in their guidance, should XXXX fail to comply with its responsibilities under the FCRA. 

I trust you will handle this matter promptly and professionally. You can send all correspondence to the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notice a variety of inquires on my credit report. That I have no knowledge of and would like for them inquires to be removed an deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive been writing letters to get these inquiries removed an they still have remove them. I dont know or have any acknowledgment to these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports .
Product: Debt collection

National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.
Product: Credit reporting

Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..
Product: Debt collection

Got a call from XXXX asking to verify my XXXX. They had the last XXXX of my SSN. Asked to collect the debt for XXXX- was calling from Credit corp solutions. 
I have no debt.