23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.
Product: Vehicle loan or lease

I follow my credit report on XXXX XXXX I decided to get a better interest rate online through open road lending. They tried the old bait switch on me. In XXXX XXXX  it said underneath my name that I could go through there and get alone at 13.6 % interest for 60 months for XXXX a month. When I went to finish the loan it went up 2 points and took it out to 72 months which was absolutely absurd. XXXX XXXX from Open road try to trick me into get an XXXX at 72 months. Numbers appear to be coming from open road to XXXX XXXX  This XXXX tried to say to me that's she specifically went over the numbers with me on the phone which I didn't hear them. She tried to make me feel stupid by stating over and over again she went over these numbers. 
On XXXX XXXX it specifically said I could recieve XXXX. Then she kept pressuring me to take the XXXX at 72 months, were my loan already has paid 22 months off. People should be aware of their shaddy business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX  XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( Transunion, XXXX, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Money transfer, virtual currency, or money service

During the week of XX/XX/XXXX a company called CashApp sent me XXXX different " debit '' cards attached to my monetary account with the company. CashApp is only supposed to send you these cards if you ask for them, because they have no customer service phone number I reported these fraudulent cards to the company over XXXX. I have seen complaints of many other customers getting debit cards they didn't ask for, the only way to get customer service about possible financial fraud this company is committing is to say something on XXXX  of their social media platforms. I didn't trust giving information about the fraudulent cards tied to my monetary account out over the internet so I followed a link given to me by the " customer support '' agent over XXXX. The link sent me to a page to report my problem to the CashApp team, so I filed out the information about the fraudulent cards. Then the " customer support '' emailed me with a short list to submit information about the cards and an encrypted file dropbox link to submit the information. I can not type out the information they asked for in the file link they sent me, I asked several time to several different agents how I am supposed to use the link they keep emailing me. I asked if I should type all the information in a Word document and drop the file in the secure link or if I should answer the name and address information they asked for in an email and then submit picture files of the cards to the secure file dropbox link they kept sending me. They never answered my question and now are ignoring me all together, leaving me with XXXX fraudulently opened cards and no way to delete or unlink the cards from my monetary account. I have spent XXXX hours today trying to delete fraudulent cards I never ordered from this company and now they are completely ignoring me, leaving me stuck with XXXX fraud cards.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureaus XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account. Despite submitting multiple disputes ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Below are the details of the disputed account and discrepancies : Account Name : XXXX  Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX High Balance : XXXX & Experian : {$220.00} XXXX : {$200.00} Credit Limit : XXXX & Experian : {$200.00} XXXX : {$0.00} Late Payment Reporting : XXXX : 30-day late payment in XX/XX/XXXX Experian : 30-day late payment in XX/XX/XXXX XXXX : 30-day late payment in XX/XX/XXXX Discrepancies : Credit Limit differs between XXXX/Experian and XXXX. 
Inconsistent late payment reporting across the bureaus. 
XXXX has erroneously marked the dispute status as " Consumer disputes after resolution '' despite the issue being unresolved. FCRA Violations : 1. 15 U.S. Code 1681i : Failure to ensure the accuracy of information and reinvestigate disputed items.

2. 15 U.S. Code 1681b : Inadequate verification procedures and potential violations of my privacy rights. 3. 15 U.S. Code 1681c : Reporting outdated and incorrect account details, including discrepancies in late payment dates. TILA Violations : 1. 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the due date, which did not happen in this case. 2. Failure to provide accurate and timely disclosures, as outlined in the Truth in Lending Act, causing harm to my creditworthiness. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the importance of timely and accurate statements from creditors, preventing unjust penalties and credit reporting errors. Desired Resolution : 1. Immediate removal of the inaccurate 30-day late payment notations for XX/XX/XXXX and XX/XX/XXXX across all bureaus. 2. Correction of the credit limit discrepancies to reflect accurate information. 3. Written confirmation of the resolution and correction to my credit report. The continued inaction regarding my disputes is unacceptable and has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action. 
I have attached all relevant evidence to substantiate my claims, including a detailed breakdown of discrepancies, payment history, and prior correspondence. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Several fraudulent charges were posted to my bank account with XXXX : All transactions had same descriptions '' Realtime transfer to xxxxxx '', but were posted on a different dates/amounts XXXX {$990.00} XXXX {$990.00} XXXX {$1900.00}, {$1900.00}, {$990.00}, {$990.00} XXXX {$350.00} On XXXX we have discovered this, filed the claim on XXXX. 
On XX/XX/XXXX bank have posted temporary credit XX/XX/XXXX received the notice from the bank stating our claim is denied and money will be taken back. Reason : transactions were authorized. 

we have explained to the bank rep that we never authorized these transaction and were not aware of it until we saw the account was drained on XXXX. Bank doesn't want to provide any other information. We truly didn't authorized these charges.
Product: Checking or savings account

Complaint about the Failure to Obtain the Early Warning Report Respected Consumer Financial Protection Bureau : I am lodging a complaint here against Early Warning because it has been a week since I applied for the report and I still have not received it, with no news at all. 

I have provided all the necessary information required by Early Warning to apply for the report, including but not limited to social security number, name, address, date of birth, and phone number. I also followed their instructions and submitted the application through the specified methods. 

However, a week has passed and I have not received any notice about the progress of the report, nor have I received the report itself. I have tried to contact Early Warning 's customer service department multiple times, but each time I either encountered a long waiting time or was unable to get through. 

This situation has caused me great distress and inconvenience because I need this report to understand the relevant information and make important decisions. 

I believe that Early Warning 's failure to provide the report in a timely manner is an irresponsible behavior that has seriously affected my rights and interests. I hope that your bureau can intervene in the investigation of this matter, prompt Early Warning to provide the report I applied for as soon as possible, and improve their services to avoid similar situations from happening again. 

Thank you for your attention and support regarding this matter. I look forward to a prompt resolution. 

Complainant : [ XXXX XXXX ] XXXX XXXX : [ XXXX ] Date : XX/XX/year>
Product: Debt collection

Midland Credit Management They accepted false allegations against me from a third-party and they did not verify the information they believe that third-party where they told them and they got that charges. Office charged me with theft and that is false because the third person who made them allegation. I have evidence photos of she has them cards in her hand, for that making them lie they are liable, third-party manager is liable for taking action and give it to the FTC and they are the ones who did it on me now who's responsible both of them
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss.
Product: Credit card or prepaid card

Opened a new Care Credit account and am still waiting physical card, but did not remember account number that was provided to me on signup because it was not sent to me. I went on care credit website using account lookup and provided my social security number, only to realize it was not care credit 's official website, but a similar looking website that I realized seems to be a scamming website to get information. 
https : //www.carecreditprovidercenter.com/BC_CC_Demo/cc-htmls/Before-Login-ProcessAnl.html I did several lookups with different methods, as it was showing a random person 's details, and then realized it was a set-up. I am disappointed I fell for this, and will reach out to Care Credit as well.
Product: Debt collection

XX/XX/2018 or spring of last last year, they tried to sue for a completely different debt ( XXXX XXXX ). They threatened me with a lawsuit that did not succeed in the past and sent more mail today for a different 3 year old cc debt from XXXX XXXX. They are not true lawyers. They've been harassing me through mail for a while.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX  XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXXXXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXXXXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here are the list of items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

Trans Union Charges {$29.00} To View Credit Report & Credit Score. Trans Union {$29.00} Charge is impeding on my ability to check my credit report for inaccurate information. File A Dispute, Check my Credit Score. Also I Can Not Access my credit file unless I pay a fee of {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX XXXX in regards to an old account with XXXX XXXX and XXXX XXXX XXXX. The XXXX XXXX account is old and should be removed from my report. The XXXX account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the XXXX XXXX XXXX. This account is at least 7 years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX on under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX under the account number {$38000.00} ( private ), a personal car insurance account opened at Progressive {$790.00} under the account number ( private ), and a collections account opened at XXXX XXXX with a balance of {$800.00} ( private ) XXXX XXXX XXXX XXXX {$23000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.