23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Every year when it is time to re-certify my income, Nelnet asks me to send in documentation. Every year, they tell me I have to wait a few weeks for my paperwork to be processed and I have to use forbearance while they review it. And every year, they tell me they didn't receive part of my paperwork, causing me to waste additional months of forbearance. I sent my paperwork in this year as a single PDF, yet somehow ONE of the pages was missing, which will again cause me to waste another month of forbearance. I am only allowed 36 months of forbearance for the life of my loan, and Nelnet conveniently loses paperwork as a predatory way to make me use it up when I don't really need it. 

Living in California, where cost of living is astronomically higher than the federal average, it is already a struggle to pay back student loans based on my income. I fear that if I really fall on hard times and need forbearance, I wont have any left because it has all been used up based on Nelnet " losing '' my paperwork.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2024 & XX/XX/2024 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 creditors 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 verified that this item is being reported correctly? Who verified this account? 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 UPDATE 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 account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address.XXXX XXXX
Product: Checking or savings account

My wife and I now use the same email address since she has XXXX  XXXX. When trying to open a high yield savings account as joint owners, the bank insists we have separate email addresses. We have several other joint accounts with other online banks who have not required this. 
We were told we HAVE to create a new email address for my wife to open the account. 
I believe this is an unnecessary burden on senior investors with XXXX and the bank should have a provision to accommodate this situation. 
Since the separate email address for joint owners is not a government or IRS requirement, I think this bank should have a solution for its elderly or XXXX customers. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I got XXXX % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. Experian and XXXX has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and experian for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.
Product: Debt collection

I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.
Product: Debt collection

I didnt know I owed XXXX XXXX XXXX any money from testing completed in XXXX. Received letter from Transworld Systems , Inc dated XX/XX/XXXX with notification that I owed {$88.00} ( {$67.00} + {$20.00} interest acrued from XXXX ). When I asked for verification of the debt owed, they sent me a copy of a statement from XXXX XXXX XXXX dated XX/XX/XXXX. The statement total balance is {$67.00}. I sent Transworld Systems, Inc a check for XX/XX/XXXX statement from XXXX XXXX XXXX to pay the amount ( {$67.00} ) in full from that statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I have been having issues with fraudulent account reappearing on my credit report ever since my information has been leaked in a data breach. I have worked so hard to remove the accounts as they have been impacting my ability to maintain a clean report as well as obtain new credit! Please remove the fradulent account from my profile.
Product: Credit reporting or other personal consumer reports

Are transactions & experiences allowed to be reported on my consumer/credit report?
Product: Debt collection

XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. Michael J Adams XXXX represented XXXX in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
Product: Student loan

Hi, I hope this message finds you well. I'm reaching out to request a detailed breakdown of each loan, specifying the monthly payment allocated to cover the principal and interest for each. I've noticed fluctuations in my monthly payment from Nelnet since the restart of student loan payments. 

Despite making additional payments on top of my regular monthly payment, my current loan balance keeps rising. This is concerning as I expect my payments to cover both principal and interest for the entire month. Could you please provide insights into why this is happening and explain why my overall balance isn't decreasing? 

Your prompt assistance is appreciated. 

Thanks, XXXX
Product: Debt collection

XXXX XXXX sent this company a letter in 2019 asking to verify that this account belongs to her by providing documentation and a signature of XXXX XXXX, RENT RECOVERY SOLUTIONS sent XXXX XXXX a EMAIL with only the amount of the debt and NO DOCUMENTATION NOR SIGNATURE. There exists no signed agreement, contract, or official documentation linking XXXX XXXX to the account maintained by " RENT RECOVERY SOLUTIONS. '' This absence of concrete evidence raises serious concerns about the validity and legality of this entry on my credit report.

The inclusion of this account on my credit report without substantial proof or verification violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

The listing of this account has had devastating consequences on my life, which lead to my homelessness and repeated denials of emergency Section 8 housing assistance. I demand an immediate and thorough investigation into this matter.

I request that : - The account " RENT RECOVERY SOLUTIONS '' be promptly removed from my credit report.

I am urgently prepared to pursue all available legal remedies and escalate this matter further if necessary to ensure that justice is served for the damages I have been put through for the past 5 years.

I expect a swift and satisfactory resolution to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which Experian and the other bureaus should clearly be able to see on my account! It is unacceptable that Experian verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in Experian approved and taking next steps to make sure all involved are held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Product: Credit reporting or other personal consumer reports

We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, BSI Financial, which was delayed.

We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from BSI Financial although the original payment was submitted and received in a timely matter.
Product: Debt collection

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXXHas violated my rights XXXXAccount # 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 an account without my written instruction.
Product: Vehicle loan or lease

can not come to a correct final figure see attached as the interest changes daily it should be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ). 
Upon request of contract of obligation I was XXXX false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX. reporting since XX/XX/XXXX XXXX XXXX reporting since XX/XX/XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX reporting since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX : Formal Complaint Against XXXX and Outsource Receivables MG Regarding Unauthorized Use of Personal Information To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my privacy rights by Outsource Receivables MG, which has appeared on my credit report without my authorization. On XX/XX/scrub>XXXX XXXX XXXX I filed a dispute with XXXX about this company, as I have never conducted any business with them, nor have I authorized them to access or use my personal information. 

The presence of Outsource Receivables MG on my credit report is a clear violation of my right to privacy. This company has obtained and used my personal information without my permission, which I consider to be unauthorized and fraudulent. Despite my dispute, XXXX has failed to take appropriate action to protect my personal information, as required under consumer protection and privacy laws. They have not removed the unauthorized entry from my credit report nor ensured that my data is safeguarded from misuse. 

I am gravely concerned about XXXX lack of due diligence in preventing unauthorized parties from accessing my personal data, and I believe this negligence has resulted in a violation of my privacy rights. The unauthorized use of my personal information constitutes theft, and I request immediate action to resolve this issue. 


Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX, I logged into TRANSUNION in order to check my credit report, and see if any information being reported is not in compliance with the Fair Credit Reporting Act. Upon review of my report, I noticed a charge off that should not be reporting on my report, and which was placed there without my expressed written permission. Under 15 USC 1681b ( a ) ( 2 ), [ ( 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 instructions of the consumer to whom it relates. ], TRANSUNION must get my expressed written instructions before reporting the charge off, which they did not do, and I am demanding they show proof from MY WRITTEN INSTRUCTIONS that I allowed TRANSUION to report this charge off on my report. Secondly, when a charge off occurs a credit is applied to the account that is charged off, due to the fact that the debt is WRITTEN OFF as bad debt, and the company, in this case XXXXXXXX XXXX will receive a credit for the amount of the balance listed, due to the fact that they received a credit to that account from the IRS the account can not be a charged off account as it has been credited. I am demanding the charge off be removed, and updated to a non charge off status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have auto pay setup, and Capitol One refused to remove late fee of XXXX they charged me. My bank says that there is no issue with the account therefor it should of went through. Supervisor refused to remove XXXX even when I agreed to settle the remaining balance without the late fee. They even cancelled my auto pay, and never told me .I never got an email or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

No name listed on report and addresses is wrong and old addresses that need to be deleted I never lived there see XXXX XXXX attached for explanation
Product: Checking or savings account

Tried to deposit a check I got from my previous employer into SoFi checking account on XX/XX/XXXX and then I went to check my account again it was stating the account was restricted and to give support a call gave them a call all they would tell me was " I violated their membership policy and my account would be closed '' was given no information on what I did to violate their policy and basically got no answer why they are holding my funds XXXX it will not let me transfer my investment assets to another institution and refusing to give me a date when the account will be closed itself called to confirm this today XX/XX/XXXX note* I have received my pay from previous employer the day of XX/XX/XXXX we went down to the bank the check was issued from and ordered a stop check and the employer handed me my final paycheck in cash
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 items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is in regard to a collection letter mailed by XXXX XXXX XXXX, LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. Two of my mother 's creditors used XXXX XXXX XXXX, XXXX to collect outstanding account balances. As the Administrator of the estate, I wrote letters to the creditors to the best of my ability to inform them of the death. I provided a death certificate for documentation purposes. Before I was able to settle the outstanding balances, XXXX XXXX XXXX, XXXX sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the administration of the estate. I am filing this complaint because I do not understand why XXXX XXXX XXXX, XXXX felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a fishing expedition. This is very offensive to my mother 's memory.
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 procedure 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 financial loss, and I seek appropriate redress for these violations.