23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have been a Loan at Last customer since XXXX of XXXX. I have paid off loans in the past successfully. On XX/XX/XXXX of XXXX I reached out to XXXX and said she would reach out on Monday to discuss options. So on Monday Morning of XX/XX/year> I reached out and spoke to XXXX and she put me on a payment plan of XXXX XXXX weekly payments of {$75.00} On XX/XX/XXXX I reached out and spoke to an agent named XXXX to revoke the ACH to pay manually. I made a payment on XX/XX/XXXX. In total I have made XXXX payments of {$75.00}. I am currently struggling to make ends meet and I would like to settle for what I have paid and close the loan and I have been a previous customer before. I am on a fixed income and I'm barely getting by and I have financial obligations I have to meet. I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have Nelnet as my loan service provider. I was " assigned '' to them and had no say in the choosing of the company that would handle my XXXX loans. Others in my XXXX school class, who were " assigned to '' XXXX are able to get a 0.25 % reduction in interest by enrolling in autopay while in school and while in deferment ( Which is advertised on their website, confirmed by students in my class who have done it, and confirmed verbally by XXXX representative ). Nelnet tells me I can not enroll in autopay until 180 days of when my first payment is due. Nelnet says it is what federal regulations outline and even had the guts to tell me that NO OTHER loan service company offers this because they are all governed by the same federal regulation. Students in my class with XXXX are able to enjoy a 0.25 % reduction for 4 years on a XXXX loan while I am stuck with no option. This is easily and XXXX difference initially over the 4 years of school and after running numbers is a XXXX difference over 30 years of repayment! 
I have also contacted Nelnet requesting an estimated monthly payment for a XXXX 's loan to buy a house after XXXX ( 3 months away ). Nelnet says there is no written document they can provide because it is " future speculation ''. All my loan amounts are finalized and it is only simple interest left to accumulate. I have a XXXX ; XXXX loan that is in Jeopardy of not going through because they can not provide me with a written ESTIMATE! They kept referring me to the calculator on student loans.gov to print out for my lender but the lender needs a document directly from my loan service company. They wrote me one document but all it had was a standard table showing repayment for a XXXX loan, when mine is XXXX ... Yeah, you can guess the lender was n't able to use that. Again, I thought this was sketchy, so I called XXXX and they said they could easily draft a XXXX document showing a table for monthly payment amounts for the different loan repayment options based on the loan amount. I do n't get why things so easy for XXXX is NOT POSSIBLE with Nelnet. They keep referring to federal regulations that make it not possible but when XXXX is contacted they are able to do it. I feel I am stuck with a company that is providing me with no service other than keeping a tally of my loan amount and interest. They are providing no other service! 

I would like, if possible to have my loans switched from Nelnet to XXXX because XXXX is able to provide me with both thing I am requesting and Nelnet acts like they have never heard of such requests from students in similar situations. As a student with such substantial loan amounts I feel it is unfair and unnethical to have options available to some students and not to others while it is all left to chance to what company you are STUCK with. Both companies are held to the same federal regulations but the student 's and their loans are treated very differently.
Product: Credit reporting or other personal consumer reports

There was an identity theft from my credit report. First, there are inquiries on my XXXX report that do not belong to mine. After that, I received many calls from around the country about applying for loans, financial support, etc., which is not my request. They called me every day, which made me very frustrated and stressed. I have to go to XXXX XXXX XXXX XXXX because phone calls keep me down from work and study. 
First, those inquires from my Equifax report should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I have already contacted the XXXX bureau about this, and they have not solved my situation. I also filed an FTC report, but it was not helpful. Now, I am sharing the complaint on this to help me out. 
There have been a lot of calls from nowhere around XXXX months ; I took a picture from an example of how annoying those were.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. 

This was done online. I believe that I know who did this. 

I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. 

Pretty simple request .... don't protect the criminal, protect me instead.
Product: Credit card or prepaid card

An account was opened fraudulently in my name with this creditor ( XXXX XXXX XXXX ) and its effecting my credit and Ive tried everything I could to inform them that the account was fraudulent filed a police report and sent it also it says the account was closed on XX/XX/2022 but theyre still reporting missed billing payments and the last payment that was just reported is XX/XX/2022. Also a collection company contacted me about the account and I informed them what was going on they told me that there wasnt anything they can do and theyre not the ones thats showing up on my 3 credit reports.
Product: Student loan

I have been fighting XXXX and Mohela since early XXXX. I submitted proof that I was eligible for loan forgiveness due to false certification. I do not have a XXXX XXXX XXXX XXXX thus I never legally qualified for classes at University of XXXX. I submitted my proof 3 times over the last 3 years, each time waiting 90 days before reaching out to learn the status of my results. Each time i was told to re submit my paperwork as it must have gotten lost. On XXXX XXXX XXXX I received a letter from Student Aid ( See attached ) stating that they would Remove the loan from my credit and refund any loan payments. A month later I called to check status, they were quite rude and told me to call Mohela. So I did. On XX/XX/XXXX I received a letter from Mohela stating that they are processing my request. I feel they are not taking my needs seriously. It couldn't be that difficult to log in and remove the account from my credit profile. Since my battle began in early XXXX i feel this is long overdue.
Product: Credit reporting or other personal consumer reports

I sent my FTC report to Equifax for review of the fraudulent accounts on my consumer file and Equifax is still reporting the inaccurate information. Even though Equifax has sent me two separate letters stating that the information wasn't being reported. I have checked my consumer file and the information is still reporting. There are fraudulent account from XXXX XXXX XXXX  and XXXX XXXX still reporting.As a consumer the information on my consumer file is suppose to be accurate. I'm enclosing a copy of my FTC report as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize
Product: Debt collection

So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.
Product: Credit reporting or other personal consumer reports

I applied for a car loan through my dealership, but they ran multiple credit checks from different lenders. These include : JPMCB Auto Finance My actual loan is from XXXX XXXX, and not any of the above listed lenders. 
This happened on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX enrolled me in their program when I was going through a divorce and unemployed they gave me a predatory loan and their school was a fraud and not an accredited school which was not disclosed to me or any other students at the time of enrollment.  I had questioned them in the beginning how am I getting a loan and I dont have a job and how will I be able to make payments if you cant figure out my income right now, they told me not to worry about it . XXXX XXXX Online has been sued and been to court several times me and other students are victims of their fraud school and predatory loan practices all of what they have done is illegal . They had promised us students that with our degree and their education we would be able to get jobs which has not come to fruition because their degrees mean nothing they are not accredited . It is not ethical to charge students for a degree and education that is meaningless . I know right now their court cases going on against them as we speak.
Product: Checking or savings account

This is regarding our crypto trading account on Coinbase ( Pro ) : XX/XX/XXXX : I initiated a deposit of {$3000.00} from our savings account at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I got notified from XXXX XXXX XXXX XXXX that an attempt to withdraw {$3000.00} failed with a {$35.00} charge. I deduce Coinbase tried to get the money from XXXX XXXX XXXX XXXX account, due to insufficient funds the {$3000.00} transaction were denied ( bounced ). 
XX/XX/XXXX : I got an email with a link to try again. Ensuring that there were sufficient funds, I transferred the {$3000.00} using the link with the email. 
This transfer was successful. I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' XX/XX/XXXX : I got a notification from XXXX XXXX XXXX XXXX that there was a pull that failed and I would be charged {$35.00} again. I deduce that for some reason, again Coinbase tried to get the money from XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : At XXXX XXXX  I got an email with a link to try again, saying that it was our {$3000.00} request from XX/XX/XXXX that did not work. From the screen shot it shows that at XXXX ..., XXXX withdrawals of {$3000.00} were taken out of our account and one withdrawal of crypto currency of {$3300.00}. At XXXX XXXX  I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' I realized the above happenings of XX/XX/XXXX after I logged into my Coinbase account a few hours later and noticed the big drop in portfolio. And also that a new bank account ( XXXX ) had been added to my account without the necessary 2-factor authorization. I removed it and then immediately contacted Coinbase and asked if my account had been hacked. They sent me through their standard procedure of verification. I did all the verification and found that nothing of mine had been hacked. I observed the emails received from Coinbase on XX/XX/XXXX ( {$3000.00} ) amount and the withdrawals from our account all {$3000.00} amounts. I then inquired with Coinbase whether was it possible that these withdrawals were made in error by Coinbase. My account was then frozen and since then no response to repeated requests have been answered. The 6 withdrawals have not been returned, nor do we have access to our account. Dozens of email requests, complaints, tickets, ... have had no response. On XX/XX/XXXX my portfolio prior to the withdrawals had approx {$42000.00}. 
I also submitted a complaint directly to Coinbase on XX/XX/XXXX. On XXXX they said they would need an additional 20 days to look into this. 

Appreciate any help you can provide to resolve this matter. We have been helpless for over a month.
Product: Vehicle loan or lease

I paid off my loan using a cashier 's check, i took time from work and paid money for a cashier 's check and mailed it express which also costs money because when i talked to them and asked about the fastest way to get the title release to sell the car they told me this is the way. They say they will process and release the title when they receive the check and that takes UP TO 4 DAYS. They received my mail on XXXX and processed it on XXXX ( as shown on my dashboard ), i talked to them every day and every day they would say it hasn't been 4 days, after the 4 days they started the excuse with the COVID. They released my title on XX/XX/17, that's 10 working days, that's 2 full weeks, how is that acceptable? Why is that ok? I did my part and paid my load and they don't want to do their job. I lost the seller that i had because of them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
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. 

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

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

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

In accordance with the Fair Credit act 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 a 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.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX Balance Owed : {$250000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting two  account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX  and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus  they wont tell me or send me proof of how they verified. Both accounts need to be removed XXXX  XXXX Trans world systems
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Do not have a contract with Convergent Outsourcing - Contract Violation. Did not give them the Social Security number - Identity Theft. And, per 15 U.S. Code Section 1681c, no adverse item other than records of convictions of crimes are to be reported to the credit bureaus. Convergent XXXX has multiple violations and I want to be compensated for their attempted barratry.
Product: Debt collection

XX/XX/2022. The debt collection agency contacted my brother in an attempt to get my phone number when they have already called me multiple times. They represented themselves as a debt collector from McCarthy Burgess & Wolff. When I returned the call they will not give me any information of who they were and what debt they were trying to collect because I refused to give my address. I do not know who they are so I did not feel safe doing so and they are calling relatives that I have NO financial ties to
Product: Debt collection

Victim of identity theft explained my situation to them told them it was possible for me to have debt in Louisiana and I been in XXXX for 8 years
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collection agency is stressing me with lawsuits and certified mail. I am XXXX  and XXXX I had tried to contact them to verify no contact response has been made with evidence proving I did transactions or debt. need to know what identification was used when credit was issued to whom and what address. I do not go shopping because I am XXXX  and do not have any income expect XXXX which i can not barely live off of and I am on a fixed income need help I am being harassed after hours and dawn hours outside normal business hours and threaten with legal action just because I request evidence of me owning debt. it is retaliation due to me asking question because I have no recollection of debt and am a victim of identity theft