23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The XXXXredit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 
Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. 

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Debt collection

I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws, specifically under XXXX  statutes .

It has unequivocally come to my attention that CREDITACPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, XXXX XXXXdentity theft laws highlight the importance of consumer consent and the protection of personal information. The XXXX Identity Theft Protection Act, codified under Title 6, Chapter 12B of the XXXX  Code, emphasizes the protection of consumer information and prohibits unauthorized access or misuse of such data. Any unauthorized reporting or misuse of my personal information not only violates federal FCRA provisions but also infringes upon the consumer protection standards enforced under XXXX law. 

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDITACPT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

Dear Sallie Mae, I am writing in response to your recent email regarding the reporting of the following accounts : Sallie Mae Account # XXXX : Original balance {$20000.00}, charged off and sold to another lender. 

Sallie Mae Account # XXXX : Original balance {$4000.00}, charged off and sold to another lender. 

XXXX XXXX has provided me with documentation confirming they are the lender that purchased both accounts from Sallie Mae Bank. These documents include : A letter on XXXX XXXX letterhead confirming the purchase of the accounts and settlement. 

A notarized Affidavit of Sale from the XXXX XXXX - XXXX of Indiana, verifying the transfer of ownership of these accounts. 

A 1099-C Form issued by XXXX XXXX  XXXX which shows the debts were cancelled following their settlement. 

Copies of these documents are attached for your reference. 

Despite these facts, Sallie Mae continues to inaccurately report to the credit agencies that these accounts are " charged off and sold to another lender '' without acknowledging their settlement status. This inaccurate reporting has caused significant harm, including : Defamation of character.

Loss of financial opportunities over the past

two years. Emotional distress due to the ongoing dispute. Additionally, your continued actions and inactions appear to violate several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) ( 1 ) : Furnishing inaccurate or incomplete information to credit reporting agencies. 15 U.S. Code 1681s-2 ( b ) : Failing to investigate and correct disputed information. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692e : Using false or misleading representations in connection with the collection or reporting of a debt. Fraud and Privacy Violations 15 U.S. Code 1681q : Obtaining consumer information under false pretenses. 18 U.S. Code 1038 : False information and hoaxes, causing harm by perpetuating false reporting. Other Consumer Protection Violations 15 U.S. Code 1691 : Discrimination in credit transactions if your practices are shown to disproportionately harm certain consumers without justification. To resolve this matter, I demand the following actions : Immediate correction of the inaccurate information reported to the credit agencies. 
Written confirmation that Sallie Mae has updated the credit agencies to reflect that these accounts were sold to XXXX XXXX and subsequently settled in full. 
Compensation for the financial and reputational damages caused by your inaccurate reporting. 

Failure to address these violations promptly will leave me no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will explore legal options to seek compensation for the harm caused. 

Thank you for your immediate attention to this matter. I expect a response within 15 days of receipt of this email. 

Sincerely, XXXX XXXX
Product: Student loan

Nelnet keeps auto charging more than once a month. I have my auto payment set to one-time payment. Tried calling them and wait time is close to 2 hours. It is not fair to be charged more than once when only one payment is scheduled. Their website is not showing payment history. Nelnet is a joke and needs to be reprimanded for what they are doing to students. A lot of posts are online from people who are experiencing the same issue. In XXXX and XXXX, there were two charges when I only scheduled one.
Product: Student loan

My XXXX XXXX XXXX XXXX XXXX is being serviced by Heartland ECSI. 

Under the terms of the loan I qualify for loan deferment under the terms of the loan as a currently enrolled XXXX XXXX 

In the past Heartland has been able to, and has access to my enrolment information through the XXXX XXXX XXXX. The loan was deferred until the end date of my program provided I remained enrolled in the program. 

As of now they will only defer the loan when I physically go to my school and have the form every single semester, even though they are able to - and required to - check that information for themselves. 

Ive been instructed by my XXXX  schools financial aid department who usually signs the form to file this complaint to get ECSI to continue to confirm my enrolment themselves - given all of the deferment forms I have submitted thus far state clearly my program will end in XX/XX/2028. 

My financial aid department says that coming in every single semester like this is highly unusual.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have more that should not be on my report, because its locked
Product: Credit card or prepaid card

Re : Citi Double Cash Mastercard XXXX XXXX XXXX XXXX ( void number now ) Around XX/XX/20 my master card was declined. I called the next day and the computer said I was over the credit limit. I listened to the charges and heard a false {$9600.00} charge from XX/XX/20 On XX/XX/20 I called Citi card customer service XXXX and told them of the false charge. They said I needed to close the account as someone had my info and I needed a new card number. I said good, do it. After being on hold awhile they said they could not get the account closed. But it would be taken care of and I would receive a new card and new card number in about 10 days. I said ok. 
After around 10 days, I called and said I had not gotten a new card. The citi person told me they had both the {$9600.00} listed as fraud and a {$280.00} charge listed as fraud. The {$280.00} charge was not on the computer charges list of my first call. I asked what {$280.00} was about and they said a foreign transaction fee. I learned the {$9600.00} charge was about a {$14000.00} XXXX dollars charge. They said they would send me a new credit card by 2 day XXXX. I said fine. It arrived with the old account number, so I cut it up. I called citi and said I needed a new card number, they said ok and I would get it in some days. I said fine. 
Then I got a XX/XX/20 letter from citi which says we can not approve your request without ever even saying what request they were talking about. 
I then got a bill which did not have the {$9600.00} and {$280.00} removed. I called citi and talked to the fraud department on XX/XX/20, the call was claimed to be recorded. I told them the fraud needed to be removed from the bill. Then they started making strange statements. For example, the guy said : you reported {$3000.00} fraud. I said no, I reported {$9600.00} and {$280.00} fraud. So was this guy lying to me or did someone change the computer case records? He also said the records showed I requested the account not to be closed. Was this guy lying to me again or did someone change the computer records? I had requested the old account closed on every call since XX/XX/20. Citi repeatedly refused to close the account saying it needed to be open for the investigation. They said they would send a new card with a new number in 10 days and they did. I have not activated the new card number. 
I paid the credit card bill in full less the {$9600.00} and {$280.00}, prior to the XX/XX/20 deadline. Now on XX/XX/20 I got a new bill with zero new transactions and the {$9600.00} and {$280.00} still not credited. Plus there is interest now on the fraud. This statement should show a XXXX  balance and XXXX interest. I do not owe Citi anything from this old card : XXXX XXXX XXXX XXXX. ( I have not activated the new replacement card. ) I tried calling Citi on XX/XX/XXXX but so far I have not gotten through to Citi. I want a statement sent to me showing XXXX  due.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been the victim of identity theft resulting from a data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$8000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My XXXX loans are still appearing on my credit reports ( XXXX and XXXX ) as active. These loans were discharged through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary XXXX days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Product: Debt collection

The information listed is a result from Data Breaches and these accounts are effecting my credit scores. Im requesting this information be deleted and or blocked pursuant to 15 USC 1681 c-2 ( a )
Product: Debt collection

Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX XXXX XX/XX/year> XXXX I would like a current copy of my credit report and that you remove any freezes or Fraud Alerts from it.

Under the FCRA, I can get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX XXXX