23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have filed several complaints against Nelnet. I am submitting this complaint as this company has failed to appropriately communicate with me as the Co-borrower of this loan. I have now been penalized for my ex-husband failing to pay on the loan his required monthly payment for almost the past 12 months. I have communicated this with Nelnet to the best of my ability. I have attempted to contact this company repeatedly and I am met with hold times at XXXX minutes, XXXX minutes, etc. I have been unsuccessful in reaching a representative. I have called during business hours which is stated on their recording. I receive a message indicating that the office is closed or the phone disconnects after holding. The phone recording and their website indicate their business hours but this was contradictory. I have received calls and answered them. I have been unable to answer a couple of times due to my work schedule and they do NOT leave a message. I have been denied over the years the ability to access information on the loan until I filed my first complaint with CFPB. I am requesting an updated report of ALL of the payments that I have made as well as my ex-husbands, the primary borrower on this joint spousal consolidated loan nightmare. I have requested an Administrative Forbearance and was denied because I am the co-borrower. I requested this as I wait, like many others, for the loans to be separated as a result of legislation passed XXXX year ago Public Law No : XXXX ( XX/XX/2022 ) Joint Consolidation Loan Separation Act. " The U.S. Department of Education will provide further guidance on when and how the joint consolidation loan separation process will begin when information is available ''. So my question is, what is Nelnet going to do to help me? I requested the forbearance in the summer prior to my credit being hit by Nelnet. I was denied as the co-borrower. Nelnet has now ruined my credit as the co-borrower where my score was XXXX and it is now XXXX. I have paid my payments every month continuously and the primary borrower has not. My ex-husband is mentally ill, unemployed, and unresponsive to the contact attempts made by Nelnet which I have told them! I have been told by this company in the past that I have no rights to decision-making on this loan however they just slammed my credit and have informed me that they can come after me for the total loans due -- which have skyrocketed over the years. I am working on obtaining legal counsel now. The loan number with Nelnet is XXXX and I have XXXX problem providing it. Over the years this company has informed me that I have no right to access account information on their website, the inability to make decisions on a forbearance, and admitted that I would be held responsible. I asked how this was fair and not XXXX single person with the company could answer me except to say I am sorry, you are not the only XXXX in this situation. Nelnet representatives have admitted that I have paid monthly and that they can not help someone in my situation. I qualify for Public Service Forgiveness and I can not obtain it because of this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Apple Card/GS Bank USA Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, Transunion consistently responds within XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ). I request that the CFPB take action to ensure XXXX, XXXX, Transunion complies with federal law and provides consumers with the necessary proof of investigation 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, XXXX, XXXX, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, Transunion 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, 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. The following inquiries were also opened under my social security number fraudulently. 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 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

Ally Bank is reporting my loan account in charge-off status. That is not correct. I have made all of the payments as agreed.
Product: Debt collection

This creditor has been notified of me being the Victim of Identity theft. This creditor has also been made aware of the police report that was filed and the result of someone being incarcerated for a Drivers License with my name. This Company is also aware that I have XXXX. I 've always had XXXX as an Insurance provider. This company is also aware that any bills I accumulate while I 'm insured by XXXX would 've been paid by XXXX. Additionally it is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET MEDICAL EXPENSES.
Product: Payday loan, title loan, personal loan, or advance loan

I was injured on my job and have not began to receive any benefits. It's been over a year since the injury. 
I have heard about predatory lending payday loans. Since I wasn't trying to get a payday loan, and I thought that Title Max and other companies who are predatory lenders weren't the same. I obtained the loan to take care of my needs while waiting for the workers compensation to start payments. I have borrowed up to {$8000.00}. My total income is {$2100.00} from social security and military retirement. My mortgage is {$1100.00} and the repayment on the loan is {$800.00}. I have an attorney who has requested the name and phone number for Title Max and they refuse to provide. I'm told to provide them with my attorney 's information and they would be in contact. Thay failed to contact my attorney. I am XXXX and can't afford to lose my car or my home.
Product: Debt collection

According to ARS COLLECTION SERVICES, there is a debt under account # XXXX for ( {$1000.00} ) and account # XXXX for ( {$740.00} ) .These accounts were previously disputed 3 times with all 3 credit bureaus. The accounts were never validated and yet they still remain on my credit report. I never had any services rendered from ARS for them to collect a debt from me. ARS COLLECTION SERVICES failed to validate the debt by providing me with a breakdown of charges, diagnosis, and/or procedure for services rendered. In addition, the original creditor, XXXX XXXX XXXX released my medical records to this third-party collection agency without my knowledge or a signed release authorization. My HIPAA rights have been violated and I demand you close and remove this from my credit report immediately or I will take legal actions on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears/CBNA continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to Sears/CBNA to ask them to stop, but in response, Sears has now updated that status to current on XXXX  as well. Credit score dropped 26 points. 

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. No contract companies. 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, credit repair services, or other personal consumer reports

I have tried to dispute these unauthorized inquiries, however, Equifax is saying that they are a part of my credit report, I never authorized not one of these inquries. 

XXXX XXXX XXXX XXXX XXXXReporting Twice XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -Reporting Twice
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021
Product: Debt collection

This letter is regarding a collections account on my credit with XXXX  only. CAPITAL ACCOUNTS LLC has not provided validation that an unpaid debt belongs to me. The account number shown on XXXX  is xxx. The collection amount is {$150.00}. Date assigned was XX/XX/XXXX. Original Creditor was XXXX XXXX XXXX. 
The original creditor is no longer in business when I called to ask for validation of debt. 
When I called on date of XX/XX/XXXX to CAPITAL ACCOUNTS to receive clarification, instead of finding the collection agency answering the phone number ( XXXX ) XXXX of CAPITAL ACCOUNTS is actually a call center for XXXX reward cards. CAPITAL ACCOUNTS Website is usecapital.com. Phone number above is listed on their site. Their email also is available on their website and they do not reply. 
I have also emailed CAPITAL ACCOUNTS without receiving a response. First email started on date XX/XX/XXXX. 
If you call the phone number provided on their website stated above, email them, write them a letter. It all leads to nowhere. 
Found Phone number XXXX XXXX XXXX XXXX. Date of first call was XXXX. Rep stated she and I couldnt have access to validation of debt. Rep stated that only sales dept has that info. Told rep my rights to receive proof of debt. She said I did not have those rights. I mention hiring a lawyer or debt company to defend myself. Rep hung up. 
Called back on XXXX. Spoke to new rep. Rep stated that previous rep I spoke to wrote in notes I claimed I was a lawyer. I clarified that is not the case and need a validation of debt. She said no. I asked if I pay this would they take it off my credit. She went silent and hung up. 
Called again XXXX. Called back asked for supervisor. None available. I Explained I have the right to validation of debt within 7 days of contact also that I have been in contact via email for 30 days without a response. Was told they will order it but cant tell me if it will come. 
Also On XXXX Sent usps mail letter requesting validation of Debt to their POBOX. I did not hear back. 
This company has violated my rights as a consumer. I have not received validation of debt. I have called numerous times. Emailed. They have not proven or even tried to prove I owe this debt. I asked if I pay will they remove it from my credit and was hung up on. 
I ask for this collection to be removed and dismissed from my credit. It has been 2 months of requesting verification of debt.
Product: Credit card

A former employee, used my personal Home Depot card to purchase items for herself, she was also in charge of paying the bills for that card. During the XX/XX/2013 she stole my identity and opened up several credit accounts. She was also embezzling money by entering payments to home depot but not actually making payments. She admitted all of this in court, and I was told by the judge it would take some time but I could not be held liable for her charges. I myself made payments to the Home Depot covering all the items that were purchased. However during the period she was embezzling the account was accruing interest, and late charges. The representatives from Home Depot are refusing to work with me on this. Eventhough they allowed another person to use my card at their store with out ever asking for I..D or any prior authorizations. I have lost so much over all of this, I had to work countless hours to save my business. I let them know that I was pressing charges and they could submit for restitution on their behalf, which is what the XXXX other credit card companies had done. They refused, told me they did n't offer that even though they are a subsidiary of Citi Bank which was another fraudulent account that was opened who submitted for restitution. I received another letter from Home Depot saying they would still be holding me accountable, and they did not care what any judge decided and that I should maybe turn it into my insurance.
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  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX 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

Equifax credit services is reporting anan account that's over 7 years old and needs to be removed from my credit report the account number is XXXX acct name is XXXX. the account and the account history needs to be removed immediately it is past 7 years old as of XX/XX/2012 failure to do this will be against a fair accident I've tried for over a year now it is as of date 7 years old needs to be removed from my credit report the account and the account payments history.also they need to remove all my previous addresses which I sent them several letters and two which are not my addresses. I've screenshot of my credit report that I just pulled on my credit monitoring site I have documentation and paper trail of every letter I sent and credit report please see attached for addresses that need to be taken off and also what is appearing on my credit report and the date XXXXwhich is over 7 years old and needs to be removed immediately thank you very much
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX  XXXX with the XXXX major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the XXXX credit bureaus have failed to provide adequate information and assistance regarding my charged-off account. 
XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. 
I at no time gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of On XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : 1. XXXX XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX I am attaching proof that XXXX and On XXXX XXXX have admitted that I was in fact a victim of these data breaches and Experian has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), I believe Account Number XXXX that the paid account should no longer be listed on my credit report, as it is no longer active or affecting my creditworthiness. 

I kindly request that this account be deleted from my credit report. Please confirm receipt of this request and provide me with an update on the status of my account deletion.
Product: Credit card or prepaid card

I called Bank of America using the telephone number listed on the back of my credit card ( XXXX ) XXXX. The automated system was very difficult and intentionally disconnected on me several times. I was unable to get to a customer service representative. I asked the IVR ( interactive voice response system ) on innumerable occasions to transfer me to an agent. The automated system indicated for me to call back later then disconnected. This has happened to me every time I call. Pressing prompt XXXX, pound or star does not work, are considered invalid prompts. Speaking out loud and asking for a customer service representative is also considered an invalid request. This is unfair and deceptive practices. This is prohibiting me from checking my balance and making payments to my account. What do senior citizens with rotary telephones do? Or those that are XXXX and do not have a smart phone device? Bank of America is inappropriate and egregious. In addition, I asked the Bank of America agent a question, and she did not answer my question. Her name was XXXX located in Arkansas. The phone call was around XXXXXXXX XXXX XXXX Her identification number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a disrupt two acount that I didnt recognize on my credit report with a company that I had hired XXXX XXXX XXXX in disprove the issue XXXX 2020 And they didnt respond to the dispute and I also have accounts that was deleted from XXXX XXXX and XXXX  that Equifax did update and the credit file number that Im a reference it to in the pictures that Im taking his full credit, XXXX XXXX file number # XXXX