23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.
Product: Student loan

I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.
Product: Credit card or prepaid card

Ref This account is under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX FL XXXX Phone XXXX XXXX I'm writing in regards to my credit card. I've been trying to work with the credit card company to get my matter resolved. For the past few months I suffered from XXXX. Been in the XXXX more than once. Have what you call XXXX XXXX However, when you call them there's a long wait, then it's like playing phone tag with them. Then when you finally reach a representative, explain the situation they do not want to help. To be told they do not have any type of programs for anybody who's been affected directly or indirectly by XXXX. I was affected directly. I've been faced with financial hardship. 

With that being said, I lost time from work. Was in the XXXX XXXX XXXX XXXX 


It seems like the credit card company, fail to assist any person who suffered directly from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Credit card

Ive recently lost my job and my account was bad for not even a month and they didnt even try to contact me and I paid my balance it full then use it normally then randomly WITHOUT ANY CONTACT TO ME AT ALL ..closes my account and is so out of the blue I just get a notification on my phone and I go and it says its in collections LIKE SLOW DOWN is this even legal I want my account back I didnt do anything wrong how yall gon na wait for me to pay my balance of to close it like so scammy I legit have an XXXX XXXX XXXX and everything ..Im so switching to XXXX if yall dont resolve my account asap my account was an ( ( ( APPLE XXXX CARD BUT ITS BY YALL ) ) ssn ending in XXXX names XXXX XXXX
Product: Checking or savings account

I recieved an email on XX/XX/2019 claiming that my account was overdrawn which is was not the balance was {$2.00} i know thats not alot of money but when your on SSD and check is about to be deposited funds are low. anyway I called the number on my screen that it gave me when I tried to access my account. The woman on the phone was rude and refused to tell me why all she kept saying was for privacy reasons we can not discuss why your account is restricted which means I have no access to my money. as for my social security check they are refusing me access to it for at least two business days which makes it tuesday XX/XX/XXXX! i dont understand why if they are gon na be closing my account why they are denying me access to my money!!!! I live off of my ssd check I pay my rent and oother bills with it there has to be laws or rules against it so now due to chase bank doing this I have gone into severe XXXX with XXXX  XXXX because due to chase holding my money for no reason I may not have a car nor place to stay!!!!!! Its my money not theres!!!! The women at the loss prevention for chase are rude and extremely disrespectful to there customers~~!!! I DO NOT OWE CHASE ANY FEES NOTHING MY ACCOUNT WAS NOT NEGATIVE!!!!
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX and 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: Checking or savings account

robinhood account was hacked, i have no access and have been trying to get back in. i emailed and reached out but could never get a hold of them, was told to call but i work monday through friday and even when i did call i couldnt get a hold of someone quick enough. filed a dispute with my bank, XXXX XXXXXXXX, and now 2 weeks later i am being told i was denied the {$2500.00} claim. still no access to my robinhood account.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XXXX XXXX XXXX i have notice fraud accounts and inquiries on my credit report account name : capital one account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''
Product: Credit card or prepaid card

I have filed XXXX XXXX XXXX XXXX XXXX I have not received resolution on this matter as to repalcement of defective chair Is there a " drop dead '' deadline for merchant to respond? 
If so what is date and what is Capital response to me I am getting perturbed and stopped using Capital card until this issue is resolved Please issue letter summation on this dispute I just want a replacemet desk chair, I sent pics and receipts twice and chair is estimated to be {$71.00} of of {$120.00} purchase of desk and chair
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 1681 section 602 A. States I have the right to privacy.

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

A late payment was placed on my credit report, which is incorrect. This account was XXXX and closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion Showing negative accounts on my credit report that are not in the negative please remove
Product: Debt collection

I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY! 

Ive submitted proof of Identification card, Social Security card proof of address and FTC report.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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

I contacted the company about a debt, they gave me the balance owed and I asked for information on it, and if they could send me something stating that once it is paid it will be removed from my credit report like they stated with me over the phone. They said they will not send me anything because they are not going to risk their company for a {$360.00} charge. So I decided to just pay it so they will no longer contact me. They said I would receive a receipt in the mail, which I have not. I disputed the account from my credit report and they rejected the dispute stating that amount is still owed to them. I uploaded a statement from my bank showing the charge and amount was paid since I have not received a receipt yet for the payment I made to them. They informed me they will not send a receipt via email, they can only send it via mail. This company is Online Information Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with Experian regarding the incorrect balance begin reported for my XXXX  XXXX account. A balance of {$450.00} is being reported instead of my statement balance of {$41.00}, the charges being reported are due to fraudulently charges that where charged to my credit card on XX/XX/2020. These charges have since been corrected, however they refused to corrected my balance with the credit bureaus. Experian closed the dispute on XX/XX/2020 without correcting my statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX CXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.TransUnion shows the Docket number as XXXX XXXX shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the XXXX Credits Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX  XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/20192019
Product: Debt collection

KOHN law firm s.c. mailed me a letter dated XX/XX/XXXX indicating that they will be issuing a wage deduction notice to my employer because of a judgement that they received against me in late XXXX. However, I did file for XXXX XXXX bankruptcy protection and received a full discharge of all of my debts in XX/XX/XXXX, except for my federally-backed student loans. Since Kohns assumed loans were non-school-certified personal loans that were granted entirely in excess of my my cost of attendance between XXXX and XXXX, Kohn has no current right to seek wage garnishment against me since the debt that they hold was discharged in my XXXX XXXX  in XXXX.
Product: Mortgage

I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX debt amount is XXXX account # XXXX opened on XX/XX/XXXX and Enhanced Recovery amount XXXX the account number # XXXX this was opened in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from XXXX, Equifax, and XXXX I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX  listed as a medical collection for {$830.00} with MEDICAL and currently in collections with AXXXX XXXX XXXX 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

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

I have been a ward of the state since I was XXXX XXXX of age I am now XXXX years old some addresses on my account does not belong to me I have accounts that have been opened in my name that doesnt belong to me some states I never been too and this has been a problem for years I have a block on my social now because of this situation and Im an currently receiving new accounts that I have no knowledge of
Product: Mortgage

Due to loss of income in XXXX, I took advantage of the forbearance program with my lender ( Mr. Cooper ) in XX/XX/XXXX. Once the forbearance period ended in XX/XX/XXXX, I contacted Mr. Cooper for a resolution. I have applied for the pandemic modification via phone call with Mr. Cooper CSR and online through the lender 's website. I was denied each time, upwards of 5 times with no real reason. Then on XX/XX/XXXX, I received a phone call from XXXX XXXX at Mr. Cooper, offering and confirming that I qualify for a deference. She advised that she will adjust my account within 5 days to reflect this plan and I will resume payments XX/XX/XXXX. I asked her to confirm that my account will be all set following this agreement and she put me on hold to check with her supervisor and got back to me that this will bring my account current and back to paying my monthly payments as I did pre-COVID. I kept checking online to see the changes reflected on my account and as time passed by with change, I contacted Mr. Cooper. I am now being told that I did not qualify for the deference as I am beyond the XXXX mark and now if I want to be CONSIDERED, not approved, for deference I will need to pay back payments of about {$12000.00} to be at that XXXX mark. At this point it would be a struggle to come up with all those funds at once and furthermore had Mr. Cooper provided this option back in XXXX this would be a non-issue. I am concerned that these tactics are deliberate and a way for them to justify beginning foreclosure on my house. This property a significant source of income that I can not afford to lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXX XXXX XXXX  XX/XX/2021