23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.
Product: Debt collection

on XX/XX/22 I mailed a letter to congress collection for debt validation and they responded by sending me a bill. Nothing else to verify that i owe them this debt to them or anything bearing my signature. I mailed another on XX/XX/22 letting them know that by sending me a bill and nothing else to prove that i owe them for this bill, but they never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score an my credit score drop XXXX points now I can't access no credit score due so false information on my credit report my credit score should be on good standard conditions I requested that my credit score should be updated an place back to good standard XXXX why did my credit score drop instead in proving
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.
Product: Credit card

XX/XX/XXXX Wells Fargo {$3600.00} the information isnt accurate on my account my information has been exposed because of this illegal and overdraft fees that has been place under my name this needs to be removed off my account immediately I cant get any information about the chargers Im a victim of identity theft XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I just want reimbursement of my transaction and funds.
Product: Credit reporting or other personal consumer reports

i asked previously for some information to be removed as it was misinformation and on my credit report and not all of it was removed. 
Transunion has not done anything though i've provided all the information that was asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth, as I have notreceived a response in regards to my dispute that did not line up with the documentation I have provided. Please acknowledge that I AM IN FACT THE INDIVIDUAL that is disputing this fraudulent information listed on my credit report. I have provided more than enough documentation supporting the disputed information caused by identity theft. Please comply to the FAIR CREDIT REPORTING ACT 605 ( B ), which states that any fraudulent or inaccurate information resulting from identity theft must be blocked from the consumers file. These are the fraudulent accounts that are showing towards my personal credit profile : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2022 I received a letter from CMRE stating that they were trying to collect a debt. I disputed the debt. later in XXXX I received another letter about the verification of the debt. There is no information on this document. No patient, no bill, no company. I have asked for proof this is my debt asking for a bill from the creditor and nothing has ever been provided that says this debt is legitimate and not some sort of scam. 

In addition I have no record of seeing a doctor on said date, in addition I have insurance that would have been used and even if there was an error I would have received a bill from the doctor directly which never happened.
Product: Checking or savings account

Hello, I feel the need to reach for assistance from CFPB because there has been several unauthorized transactions in my personal Bank of America account. I filed a claim with back of America claim department back in XX/XX/2018, when I had first noticed the major decrease in my balance. The bank had temporary put back the {$1000.00} that was removed from about more than 40 unauthorized transactions. The bank later reached out to me, stating that my money was going to be removed again due to lack of evidence that these transactions were fraud. So I then filed a police report for identity theft and contacted the company that these transactions were being charged with my personal bank card information, which was XXXX, food delivery app. XXXX was able to locate more information of these transactions, like the phone number, address the food was delivered, and names. XXXX would not release information to me " due to safety '' as they stated, however they did mention XXXX will cooperate with law-enforcement for further investigation. So as evidence I then sent back copies of the emails I had with XXXX along with a copy of the police report to the Bank of America claim department. After this the bank continue to refused to replace the money which in the first place was unauthorized to be removed. I filed a complaint with XXXX   XXXX XXXX and as a result Bank of America replaced only XXXX back into my account. Which I found very insulting that Bank of America considered that a fair and reasonable resolution to this matter would be replacing {$110.00} out of the {$1000.00} that were removed without my authorization. Bank of America refuses to take responsibility for the protection of my money that was lost. Unauthorized transactions began on XX/XX/2018 and continued through XXXX till XX/XX/XXXX, which was when the last transaction was made before I canceled my bank card.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Wife and I took out reverse mortgage XX/XX/XXXX. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died XX/XX/XXXX .Submitted required docs. to AAG XX/XX/XXXX was told by phone everything was fine. Problem arose with home owner ins.around XX/XX/XXXX per AAG .Home could not be insured because of damaged roof. I pointed this out to XXXX XXXX upon home inspection XX/XX/XXXX .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help with roof repair that I could not afford in able to insure home. There were funds set aside for home repair at this time. They explained to me I was not on loan or deed to property and home was in forecloseure. They have refused to speak to me or help me in any way since then. I am seeking to reinstate deferral period and mortgage. XXXX XXXX XXXX XXXX has also been unethical and fraudulent and home is in foreclosure in amount of {$190000.00}.
Product: Credit reporting

My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.
Product: Debt collection

They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX
Product: Consumer Loan

In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified XXXX inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX  XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

I'M XXXX  YEARS OLD I STAYED AT THIS ADDRESS FOR OVER XXXX  YEARS NOW I HAVE A DIFFENT ADRESS ON MY CREDIT REPORTS AS XXXX XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX FRAUDULENT INFO
.I NEEDTHIS TO BE REMOVE OFF MY CREDIT REPOTT I HAVE CONTACTED BOTH CREDIT BUREAUS 
CAN YOU'LL HELP ME 
THANKS
Product: Credit reporting

The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.
Product: Bank account or service

Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.
Product: Debt collection

Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at Simms Associates. 

I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates, then someone else did, and did so illegally. 

Simms Associates told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Product: Debt collection

All these credit bureaus are scams. I have 3 closed accounts the are still trying to collect money from me. They keep on doing the liar XXXX and say they didn't recoup the money lost when they did. Items were given back and sold off for profit and accounts were closed. No need to continue or I'll just file bankruptcy and you'll all get NOTHING ANYWAYS AND BE FOR XXXX  TO TAKE IT OFF MY CREDIT. STOP XXXX WITH ME.
Product: Debt collection

I sent in a verification letter XXXX21. The company has yet to verify my debt or send me any type of verification that this is my debt. It is now XX/XX/21 and I have yet to receive any letters in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( XXXX ) ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed this account with Experian. But I haven't received ANY correspondence back. Although I sent in my dispute almost two months ago! 


Experian Failed to respond to my written dispute within 30 days ( a 15 day extension was given because of Corona ) ( over 45 days ) THE LEGAL JURISDICTION IS : FCRA Section 611 Part ( A ) ( 1 ) The LAW IS CLEAR!! THIS NEEDS TO BE DELETED Immediately!!

Or I'll be forced to litigate.
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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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

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 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, credit repair services, or other personal consumer reports

Equifax repeat the same inquiry in the same date, XXXX XXXX on XX/XX/2018.