23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Product: Debt collection

Tsi emailed an individual at XXXX on XXXX of my personal information including debt information. I am not Associated with this email nor do I use it.
Product: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Product: Money transfer, virtual currency, or money service

Hello, recently I noticed a transaction in my paypal account for XXXX $ this transaction is fruadulant and now I 'm missing XXXX $ that was going to be used to pay bills. I live paycheck to paycheck and now I 'm behind. I contacted paypal about this and they said it would be reviewed but then they did nothing! They just silently closed the review case. I got some details on who scammed me including personal information and I do n't know what to do. I want to press charges on them!! And make them pay for this but more importantly I want my money back!!
Product: Credit card

on the date of XXXX a account was opened at XXXX without my approval
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day, I have a notification from Experian app stating that XXXX XXXX  pulled my report and I checked what occurred to be an unauthorized inquiry on the Experian report. 
This occurred on XX/XX/2022. 

I've already spoken with Experian Credit Bureau to work on this issue as well as XXXX XXXX  to resolve these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information being reported on XXXX by wells Fargo. sent letter to wells Fargo XXXX said they needed more information to verify account. at that time they where reporting 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX with no 30 days late before that. after they first dispute they changed the months to 60 days late in XX/XX/XXXX and 90 days late XX/XX/XXXX again with no 30 days late before the 60 days. they made the change in XXXX Sent in A second dispute letter with drivers license full account number same as first letter. this time i did not receive a response back, but the again changed the report with XXXX to 60 days late in XXXX and 90 days late in XXXX with no 30 days late before the 60. still not correct it to 30 60 days late which is what they are reporting to XXXX  and XXXX they changed the info in XXXX. 

I received an email from wells Fargo stating XX/XX/XXXX that they are reporting correctly but the next paragraph down says they found inconsistent reporting. also received the letter from the second dispute saying that they are reporting accurately. But yet they are not. They in violation of the FCRA rules by reporting inaccurate information. XXXX failed to do their job as i disputed this with them should have been deleted at that point. all I wanted was for it to be corrected. now it needs to go away.
Product: Debt collection

On XX/XX/, I received a letter from Ideal Collection Services ( Ideal ) alleging that I owed {$710.00} to XXXX XXXX Apartments ( XXXX XXXX ), which I had moved out of nearly a year prior. 

On XX/XX/XXXX I sent a letter to Ideal disputing their claim and advising them that XXXX XXXX had failed to comply with Florida Statute 83.49 ( 3 ) when they did not send notice to me of their intention to impose a claim for damages against my security deposit within thirty days of the end of my tenancy. Per Florida Statute 83.49 ( 3 ) ( a ), their failure to comply with said requirement precludes them from pursuing a claim for damages unless they first return the full security deposit to me. To date, neither Ideal nor XXXX XXXX  has returned my security deposit to me, despite being informed of my new address upon the end of my tenancy and having set up mail forwarding with the United States Postal Service. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Manager for Ideal Collection Services. XXXX XXXX letter included documents and pictures, but at no point did she address her clients failure to comply with the Florida Statute. XXXX XXXX letter went on to state that if I did not begin making partial payments by XX/XX/XXXX, she would forward my account to the national credit bureaus. 

While I have engaged in good faith dealing with both XXXX XXXX and Ideal, I am not receiving the same treatment in return. XXXX XXXX XX/XX/XXXX letter appears to be a clear attempt at coercing me into paying a claim that they do not have the legal right to collect under threat of damage to my creditworthiness. 

My preferred solution is for Ideal and XXXX XXXX to drop their claim against me and allow an amicable end to our business relationship. However, if XXXX XXXX/Ideal wish to pursue their claim against me, I demand that they return my {$250.00} security deposit before doing so, as required by Florida Statute .
Product: Credit card or prepaid card

On XX/XX/2021 my credit card account was restricted because I personally added authorized users to my account. I called and asked capitol one of the amount of users I can add before there would be a problem with the account and they wouldnt provide an answer. I was never informed I would need to provide extra documents when adding an AU Now Im being asked to provide an ID and social security cards of each AU with further risk identity fraud. Capitol One informed me that there wasnt any fraud detected.
Product: Mortgage

Our mortgage payments are handled through our online bank. We normally send Ditech $ XXXX/month, which is above the monthly payment. We have never been late and have never missed a payment since we got the mortgage in XX/XX/XXXX. We sent Ditech 's Escrow department ( XXXX ) a check for {$100.00} in XX/XX/XXXX, to cover the increased escrow cost. Instead they applied the funds to our principal and raised our monthly payment by {$9.00}. This is not the first time they have done this. Secondly, we sent a letter dated XX/XX/XXXX, requesting PMI removal and authorized the appraisal of our home at our expense. We received a letter dated XX/XX/XXXX denying the cancellation of PMI stating that our mortgage is " scheduled to reach 80 % LTV XX/XX/XXXX. '' Before we requested cancellation in XX/XX/XXXX, we checked their policy and there was nothing about " 80 % loan to value. '' We are both retired and feel that if these actions are not unlawful, they are unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description X 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The following inquires I do not recognize : XX/XX/2022 - XXXX XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 - XXXX XXXXXX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX XXXX XXXX  XXXX  XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I recently received access back into my PayPal account after providing proof of identity and income now after a withdrawal I have received another limited account status please help me withdraw all of my funds. I do not want to do business with PayPal anymore this is ridiculous
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 XXXX XXXX XXXX XXXXXXXX ) 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.
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 XXXXXXXX, 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: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday XXXX XXXX  SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 card or prepaid card

On XX/XX/2023 U.S Bank decided to put a hold on my cc and requested documents to be provided to them for authentication of identification. They asked for copies of social security card, drivers license, last two years of federal tax returns, and two months of statements for personal checking accounts. This information was faxed to U.S Bank on XX/XX/2023. Spoke with them on XX/XX/2023 to verify they recieved the documents and at the at time they stated that yes and after a review of the documents they would be closing the account and it could not be reopened provided no information as to why they decided to close. I proceeded to ask to redeem the rewards from the card that was accumulated over three years. I was informed because the account was closed the rewards could not be redeemed. They gave no notice they were putting a hold on the account or closing the account which prevented me as a consumer the ability to prepare and redeem the rewards ahead of time. The amount of rewards is near XXXX that was earned by me for using the card and paying off the card every month in time. Over three years never missed a payment and never recieved any interest as the statement balance was paid off every month.
Product: Mortgage

XXXX XXXX To Whom it May Concern, Im writing because I have a major concern with an issue with your servicing of my loan and reporting to the credit bureaus ( specifically XXXX  I believe ). I previously had a mortgage in which you serviced ( loan # XXXX ) that was paid off in XXXX of 2017. I have recently applied for a new mortgage and was told that I could not qualify as I had three 30 day lates on my this mortgage dating XXXX, XXXX and XXXX of 2017 ( see attached credit report page ). This is an obvious mistake as Ive never been late with my mortgage let alone any other bills, and I need this rectified as soon as possible. 

I have provided proof of the XX/XX/2017 mortgage payment. In XX/XX/2017 we sold the house and received a payoff statement ( also included ) that included XXXX payment ; the closing occurred XX/XX/17 ( which is also attached ). So logically if the payment is due XX/XX/17 there is no way it could be 30 days late ( this isnt even including the 15 day grace period your company provides ). Obviously the XX/XX/2017 30 day late is completely false as the mortgage was paid off XX/XX/17, so Im unsure how that is even possible. 

I have tried several times to speak with customer service reps in your office who have told me they do not have any access to my loan as it has been archived, which seems ridiculous to me as the loan was closed less than 12 months ago and you reported the late payments to the credit bureaus only recently. I work in finance and soft pull my credit report randomly and did so not more than 2 months ago prior to searching for a new mortgage/house and the late payments were not on there so this happened recently and Im unsure why they would appear just now as the supposed late payments were from XXXX. 

I understand mistakes occur in business, but I need to have this reconciled as quickly as possible as I need to get new housing as I dont have any other options. I was very surprised to see these lates show up and obviously they greatly affected my credit score. Please let me know whatever else you need from me or what/if anything I can do to expedite this reconciliation. I need documentation from you verifying that there were no late payments as quickly as possible and then I would need you to contact the 3 credit bureaus indicating the same to have these lates removed.
Product: Vehicle loan or lease

I set up automatic payment with US Bank for my car loan. 
My online account to manage the online payment and visualize statements has had some technical issue since I have been a customer. 
Payments were not going through and I had no way to know as the portal was inaccessible. 
US bank charged me for a late fee and put a late payment on my credit. 
After talking with multiple US Bank representative, it was added in the notes that my account was not functioning properly, that I was not getting alerts for late payment and that the payment management portal was not working. 

The issue was resolved from a technical standpoint, my payment are not going through ( 5 payments all went at once ) and US Bank waived the late fees.

However US bank has not corrected my credit late payment, and I have now a credit score that is XXXX points lower than prior to the incident. 

I asked US Bank by mail to rectify the issue ( see attachment ), but they rejected my request.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated 25 dollars a month.
Product: Credit card or prepaid card

I sent Capital One a Cease and Desist letter, along with an Affidavit of Truth, and an invoice. The company received the letter on XX/XX/2021 and they sent me 2 different letters dated XX/XX/2021. The envelope was in violation of 15 USC 1692 ( e ) ( 1 ). The letter states that Capital One N.A. is the creditor which is in violation pursuant to 15 USC 1692 ( e ). I am the consumer, natural person, and the original creditor not Capital One. They state that they have suspended my charging privileges and restricted my account. Which is in violation of 15 USC 1691 ( d ) ( 6 ). They go on to threaten me violating me pursuant to 15 USC 1692 ( d ) ( 1 ). Pursuant to 15 USC 1692 ( c ) ( a ) I have never given Capital One the written permission to contact me in regards to any debt.

I also received a separate letter the same day from Capital One thats also dated XX/XX/2021 letting me know that they did receive my cease and desist letter however they will continue to mail me monthly billing statements- Violation 15 USC 1692 ( c ) ( c ).
Product: Debt collection

I found a debt collection on my credit report that I have never been contacted about. I have no knowledge of any debt, and do not use XXXX XXXX XXXX. This company has never verified the debt, and clearly does not even know who I actually am if they do not have the means to properly contact me at all.
Product: Debt collection

These accounts are on my credit report 6 times!! It is 3 Duplicate accounts The 2 same accounts show up 3 times for each of the 2 accounts making it 6 total accounts of the same 2 accounts. 

1. XXXX XXXXXXXX Account XXXX XXXXXXXX ; Address ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX this account shows up THREE times on my credit report. 
" If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer '' 15USC 1692C law 2XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX ; Address ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX this account shows up THREE times on my credit report.

" If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer '' 15USC 1692C law