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

I have reached out to Experian numerous of times regarding this incorrect information that's reporting upon my entity by a particular data furnisher. They are reporting an account on my credit report saying that it's still owned by XXXX XXXX when in fact it has been sold to another data furnisher and that's not being stated at all. This FCRA states that all information must be completely accurate and truthful. This company never responded to me in the slightest proper of time at all, when that's violating and unlawful as well. I have been trying to get account validated for XXXX now, which I have consulted with my consumer attorney, and I will pursue litigation. He told me to file a complaint with this company and see if we can get this resolved. I want this DELETED off my credit entity permanently. Also, another fact this was deleted and reinserted inappropriately, so this company has breached so many rules and regulations put in place for any consumer. XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. 

I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point.

I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.
Product: Credit card or prepaid card

I applied for XXXX card, was approved but promo was not what was stated on web application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : 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, credit repair services, or other personal consumer reports

I have being going back and forth with the three major credit bureau XXXX, XXXX  and Experian. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Inquiry : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX I submitted a wire transfer while guided on the phone by a Bank of America Merrill Lynch representative. Consistent with representations made on the firm 's website, I was told that the wire would be processed on the same day. After calling back after XXXX ( the wire deadline for the day ), I learned that the firm had not even processed the wire let alone cleared it. At business open on XX/XX/XXXX at approximately XXXX, I was told additional information was required in order to process the wire and advised that " additional time '' was required to clear wires at the firm. 

Despite being assured on XX/XX/XXXX by another representative of the firm that same-day wire processing could be done over the phone, as advertised on the firm 's website ( " Wire withdrawal requests received and approved by XXXX XXXX Eastern will be processed the same day and incur a {$24.00} fee. " ), I was subsequently told that this was not possible. Due to this misleading communication, I was unable to close on a new home as scheduled and have incurred significant personal financial cost as a consequence.
Product: Debt collection

On XX/XX/2024, I received a letter from Target Card Services notifying of an outstanding balance regarding a recent purchase in the total of {$38.00}. After verifying the debit charge not clearing on my account, I made immediate payment the same day XX/XX/2024. I then logged onto the Target Card Services transaction portal and notified them payment was made through TD Bill Pay. On XX/XX/2024, the payment of {$38.00} was processed withdrawn from the account. A final notice letter from Target Card Services dated XX/XX/2024, was recieved attempting to collect the {$38.00} which had been been paid on XXXX XXXX. After messaging Target Card Services that payment had been made, they denied payment was recieved despite providing a the bank and confirmation number to them multiple times. Target Card Services opened a dispute based on my complaints. On XX/XX/2024, I sent certified mail to Target Card Services and provided proof of payment from my banking institution. On XX/XX/2024, I received a letter from Target Card Services with a Minnesota address claiming they had not heard from me as of XX/XX/2024, depsite me having proof I sent them certifed mail and they signed and returned it to me during this time. They also never provided me with a written dispute case number leaving doubt a dispute was ever opened. In response to this, I sent certified mail again this time to the Minnesota address notifying them that it is deceptive to trick customers by changing addresses. This certifed letter also included multiple copies of proof of payment of the {$38.00} through TD bank, along with proof of contact with Target Card Services between the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing their claim of not hearing from me. On XXXX XXXX XXXX I received a letter from Target Card Services claiming the {$38.00} remains unpaid and the documents I sent as proof of payment were not enough. The balance was paid on XX/XX/2024, through TD Bill Pay in full.
Product: Debt collection

COMPANY PORTFOLIO XXXXXXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION, ON XX/XX/XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

PORTFOLIO XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO XXXX XXXX .
Product: Credit card or prepaid card

I checked my credit report and saw XXXX  XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX. In the amount of {$460.00}. 

This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information from closed complaint XXXX. 
In my last complaint I stated that the dealership had shown no proof of the application. Wells Fargo has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions.

I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive.

Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore Wells Fargo, XXXX XXXX XXXX, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Payday loan, title loan, or personal loan

I am having a very difficult time making payments online for this loan provider. They make it extremely difficult to turn off auto-pay to allow me to pay whenever I want, instead of a fixed day. This can only be done by calling in and it took me 3 times before they actually turned it off, I was even charged twice one month when I attempted to pay on my own over the phone a week before my due date. If I want to pay online, the same problem happened until the third time it finally stopped auto-deducting from my account. To pay extra each month, which is what I prefer to do, I have to first make my monthly payment and then navigate back through the flow again in order to chooce a principle amount and make a second payment for anything extra I want to pay. Just today, what prompted my rage to actually lookup how to file a complaint and file one, is when I got this message attempting to make this months online payment. It said " We're unable to schedule payments online between XXXX XXXX  and XXXX XXXX ( Pacific Time ) daily. Please come back later to make a payment ''. So I am now fed up with this lender as they are the most difficult lender I have dealt with to make payments. I am almost ready to take out a loan with another lender just to pay this one off and leave this company for good.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account was closed in 2017 and they have not removed this account. It was paid in full and after several disputes they are not reporting accurately. I would like them to delete this account and a full history sent to me, as previously requested. This account was over 9 years ago and their company is reporting falsely.
Product: Credit reporting or other personal consumer reports

My disputes with XXXX, XXXX, and TransUnion are not being taken seriously. I have clearly outlined my personal information, such as my name and address, in my dispute letters, yet there are still numerous incorrect variations of my name and addresses listed that do not belong to me. 

My only name is : XXXX XXXX XXXX My only Employment title is : XXXX XXXX XXXX ( XXXXXXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, TX, undefined XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Product: Debt collection

foages now this number has tried to collect by nasty means XXXX XXXX XXXX XXXX dont know who they are and dont know the who what of entire matteXXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willfu
l noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

This account was charged off on the XXXXSince then the date of last activity has been inconsistently updated on XXXX the date last active is XXXXXXXX XXXX  XX/XX/XXXX and on XXXX its XX/XX/XXXX .If the information is coming from the original creditor the dates should be the same.We can't say these accounts are 100 % accurate so it is deemed INACCURATE Please delete this from my credit report. 
Account Name : XXXX XXXX # XXXX
Product: Mortgage

I am officially in dispute of the above account as referenced, I sincerely believe that Chase is using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. You are using my home as a cash register for your benefit. 
I also believe that this Note has been fully paid and you a trying to collect on a debt twice. 
So, Per the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) I have the right to dispute and question the alleged debt and to obtain key pieces of information about my loan.

See attached file for details
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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