23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered Portfolio to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the information required by the credit bureau to remove inaccurate information on XXXX, 2021 and they have not removed or even responded to my request
Product: Student loan

I requested a student loan refund of {$9800.00} from Nelnet on XX/XX/22. I was informed by Nelnet at that point that it would be 4-6 weeks before I would receive that refund. 

Over the course of the next several weeks, I called Nelnet repeatedly to confirm that my refund was still on track to arrive within 4-6 weeks. I called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Each representative said my request had been sent to the treasury. Each representative stated that Nelnet no longer had my refund paperwork and that it was with the federal government. Each time I was informed that 4-6 week window started on XX/XX/22. 

I called again today ( XX/XX/22 ) and was informed my refund request has not gone to the treasury yet and that the 4-6 week window has not been triggered yet. This surprised me because I have called Nelnet numerous times and received different information. The representative today told me that Nelnet has struggled to provide accurate information and that many of the previous times I called I did not speak to people in proper departments who would know this correct information. 

I previously filed a CFPB complaint against Nelnet to confirm that my refund request was received and to receive an estimate of when I would receive my refund. I would like to submit a second complaint now due to the completely false information I was provided on numerous occasions by Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX  XXXX : XXXX Date Filed XXXX. XXXX, 2018 Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00}.
Product: Credit card

I entered into a settlement agreement with Amex thru XXXX XXXX XXXX XXXX. This was for XXXX payments totaling {$6000.00} to be paid by the XXXX of XX/XX/year>. I paid both payments to the account that XXXX XXXX XXXX XXXX instructed me to. The next week i receive a letter stating that my account was handed over to a new firm called XXXX XXXX XXXX. They had no knowledge of the agreement. I emailed XXXX XXXX and asked if they received the last payment and he responded on XX/XX/XXXX that they received the money and it was transmitted to Amex. Amex never received the money. My accounts continued to be reported as delinquent or derogatory. I have been continuing to email and call Amex, which they in turn send me to another company called XXXX XXXX XXXX XXXX, then they send me to XXXX. I have finally had some progress on this within the last week or so. The payment was sent to Amex by XXXX, but the accounts are still showing balances, and my credit reporting has not been fixed yet. My credit scores have dropped significantly since I made the final payment in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX Loan Servicing Team, I am writing to request an immediate update and correction to my student loan account. I have received IRS Forms XXXX which confirm the discharge of my student loan obligations totaling {$14000.00} across four loans. However, my XXXX account remains inaccurately reported, as the loans are still reflected on my consumer credit reports, and I am continuing to receive incorrect billing statements. 
Account Information Borrower Name : XXXX XXXX Total Loan Amount : {$14000.00} ( XXXX Loans ) Discharge Evidence : Copy B of XXXX attached Request for Action XXXX. Account Update : Please update my XXXX account to reflect the loan discharge and confirm a {$0.00} balance. 
2. Credit Reporting Adjustment : Notify all credit reporting agencies ( XXXX, Equifax XXXX XXXX XXXX to remove any negative or active entries associated with these discharged loans.

3. Cease Billing Statements : Discontinue all billing statements or communications related to these discharged loans.

Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form XXXX ( Cancellation of Debt ) These documents clearly establish that my loans have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly.

If this matter is not resolved promptly, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies to ensure compliance with federal laws regarding loan discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, Without Recourse XXXX XXXX Enclosures : Copy of XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I notice some information to I believe to be incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I had become XXXX XXXX  and sick with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the XXXX and I use all my credit cards to survive. I was homeless and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Product: Debt collection

I was seen XX/XX/XXXX through a virtual appointment at XXXX XXXX XXXX XXXX XXXX. The visit was denied by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for no authorization to the facility. This balance is not a patient balance per XXXX XXXX  and is the facilitys fault. I never received a bill from XXXX XXXX and only ever received the collections bill. I have been trying to get this handled for XXXX years now and no one can seem to help me. Earlier this year it was escalated and no did anything with it.I have even called the facility with XXXX XXXX on XX/XX/XXXX and the facility agreed it was not my balance and will escalate to get it pulled from collections.Urgent care tells me its been escalated and to call back in XXXX  days. When I call back to XXXX XXXX  today they tell me I have to call collections, that my reference # is invalid and that its still being escalated but no one has worked on it. They are again requesting more time.
Product: Credit card

Around to XXXX I received a text saying that a purchase couldn't go through then I checked my account and I noticed 2 or 3 charges ( not sure how much ) for about XXXX then I called to dispute it. They took care of it and sent me a new CC well I never activated that CC and I checked my email today with a XXXX dollars total charge of XXXX different transactions... I called and they said they will investigate but meanwhile I need to make the minimum payment.. I'm not making a payment since they clearly said that my XXXX has been compromised.. I need help please it Citi bank
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am getting calls from this number ( XXXX ) XXXX for a XXXX XXXX that is paid. They say they are going to charge my debit card tomorrow and have the last 4 digits which I never gave to my Dr. office. They do have my correct patient number from my Dr office. I cancelled that card ( they don't know that yet ). I called the Dr. office directly and they said that I am paid in full and never sent me to collections. 

Also getting a physical bill from Continental Credit Control XXXX XXXX XXXX XXXX XXXX CA XXXX. I called them and said I had paid bill. They want copy of check- NOT going to send them anything. Somehow my Dr 's office files are compromised and they are not helping. 

And getting emails threatening to charge my Debit Card. So my Medical info with email, phone number, dates of visits and amount of charges was leaked to these scammers. BLOCKING THEM ALL!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX dishwasher at Home Depot. It was charged on a Home Depot credit card. It was delivered and installed on XX/XX/XXXX by either Home Depot or XXXX authorized professionals. I called XXXX XXXX in the first part of XXXX. I told them the dishwasher had drainage issues and drying issues. I also had to give them the model and serial number. I was told an account would be created. I was told that the drying issue would be solved by using a drying agent like XXXX XXXX. She advised me she would send an appliance technician out for the drainage issue. 
A few days later an appliance technician showed up. He didn't bring in any tools or paperwork, just himself. He was alone. I explained the drainage and drying issues. He again said the drying issues would be solved by using a drying agent. He then explained that the heater in the dishwasher only heated the water nothing else. He then went outside and brought in an XXXX. He shows me the XXXX. I didn't read anything about the drying issue. He said we had to turn on the hot water supply before using the dishwasher. That would help the drying process. At that time there was standing water in the dishwasher. He pushed a couple of buttons and the dishwasher drained. My friend walked out of the other room and asked if the dishwasher was fixed. The technician replied nothing is wrong with the dishwasher. A few days later we used the dishwasher and it didn't drain. There were items in the dishwasher that were molded and there was standing water. 
On XX/XX/XXXX, I called Home Depot and told them the dishwasher was defective and I wanted to return it. I was told by Home Depot it was not returnable and not their problem. 
I called XXXX and told them there was standing water in the dishwasher. I told them it had molded items in the dishwasher. I was asked for the serial number. I told them I already had an account and they should have that information. She informed me they had sent a technician out and he had fixed the problem. I told her he didn't do anything. He reported to XXXX he had fixed the door latch. I said that's funny he didn't even bring any tools in. I told her items had molded in the dishwasher from it not draining. At this time the conversation was starting to break down. You could tell the representative was getting a bad attitude. I told her it was starting to draw bugs. She replied, YOU VOIDED THE WARRANTY and she hung up. 
On XX/XX/XXXX I contacted CitiBank, Home Depot 's card issuer and disputed the purchase. I was told they would take care of it by getting Home Depot to replace the dishwasher or I would not have to pay. On XX/XX/XXXX, CitiBank generated a letter that said it was a warranty issue not a billing dispute. Please contact XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I did not know of these charges. I have been a victim of Identity Theft. Please help me resolve this issue.
Product: Debt collection

I am writing to formally dispute a late fee and negative mark on my credit card account. On XX/XX/XXXX, I was informed that my account had been flagged for a late payment that too through third party credit company through their XXXX notifications. This was the first time I have ever experienced such an issue with this account. I did not receive any prior notification via call or email regarding this matter. My account is set up for automatic payments, and I was surprised to learn that the payment was marked as late despite this arrangement. 

If they would just made a call or text or email ; I would have made sure to pay my amounts. 

Upon receiving this notification, I immediately contacted bank and offered to pay the full amount due. However, they declined to remove the late fee and the negative mark on my account. Given that this was a one-time occurrence, I believe this penalty is unjustified, particularly since I did not receive any prior notice and have a history of timely payments. 

I kindly request that the CFPB intervene to have this late fee and negative mark removed from my account, as it has caused undue stress and is not reflective of my typical payment behavior. 

Thank you for your attention to this matter. I look forward to a resolution that rectifies this situation.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Formal Dispute and demand for loan discharge due to Legal Violation and Data Breach Complaint - Unauthorized Access to my Education Records I am writing to formally dispute the legitimacy of my student loan obligation. Due to serious legal violations and breaches of federal privacy laws including the Family Educations Rights and Privacy Act ( FEPRA ), the Privacy Act of 1974 and the Higher Education Act.

I am filing a formal Complaint under the Family Educations Rights and Privacy Act ( FEPRA ), the Privacy Act of 1974 and the Higher Education Act regarding an unauthorized access and disclosure of my financial aid records, sharing my personal and banking information. I have not given permission to disclose my information. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties XXXX XXXX, unofficial government entity XXXX, and other possible affiliated entities. 

This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 

Legal grounds for discharge. 
FERPA violations : The exposure of my educational records without my expressed written consent is a direct breach FERPA, which mandates the protection of personally identifiable information.

Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies. 

Breach of Higher Education Act : The higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan information to XXXX and subsequent data breaches demonstrates clear negligence. 

Demands for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. 
Complete removal of all student loan related entries to my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 

If my demands are not met I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In addition to these fraudulent accounts I've noticed several hard inquiries -XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX, XXXX  & Equifax but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
Product: Money transfer, virtual currency, or money service

Cash app I was charged with purchases I did not make
Product: Credit reporting or other personal consumer reports

Its been over XXXX  days and the creditor XXXX XXXX XXXX Account number XXXX has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payment on my credit report under federal law they had XXXX  days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible