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

Yesterday, XX/XX/2023, I received an email from XXXX that said that my credit score had decreased by XXXX points. When I logged in to my XXXX account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department of Education/Nelnet accounts XXXX 

One notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( Nelnet ). 

One notification said that my CREDIT LIMIT increased from {$3900.00} to {$18000.00} ( Nelnet ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( Nelnet ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called Nelnet to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my credit score. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that XXXX and other credit bureaus should not negatively alter my score. 

Nelnet has suggested that I send a letter to XXXX showing them a summary of my loans. Nelnet calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Payday loan, title loan, or personal loan

Borrowed  XXXX  ... the payment is {$270.00} every  two  weeks. I am unable to sustain this and I believe the interest rates charged are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$44000.00} 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: Money transfer, virtual currency, or money service

I deposited XXXX one day. I sent my landlord XXXX for part of my rent and that left a balance of XXXX. PayPal decided that that was suspicious activity and put a freeze on my account. I tried transferring it to my own bank that is linked to my PayPal, it would'nt work. I tried sending the balance to my landlord, it would'nt work. I was on the phone multiple times with representatives saying the problem had been fixed and I should be able to send and receive any amount. Nothing worked. SO VERY FRUSTRATING!!!!!!!!!!!! My daughter sent me XXXX from me selling different things at an antique show. My dads pocket watches and mantle clock and different things I have been accumulating all these XXXX years of my life. I informed them of what each transaction was and they still decided to hold my funds. I am SO FURIOUS. How can a company decide to hold someone elses money??? and for so long???? I need that money for my care. It is not acceptable and the time of 180 days is extremely inappropriate. PLEASE help me!!!!!! I am not happy. XXXX XXXX
Product: Debt collection

XX/XX/XXXX {$1300.00} I have made several attempts to call the about debt I found on my credit report in XXXX. I reached out to the original creditor and they couldnt confirm that the debt was mine. They gave the debt collectors phone number and I made several attempts to call them but the phone number was not active. 
On XX/XX/XXXX, I found another phone number to the debt collector. When they answered they began screaming at me. Telling me I had refused their services and they had made several XXXX calls to my phone number in the past 4 years. I asked them for the phone number they had been call debt collector said XXXX. I have only had this number for a couple of weeks. Then the debt collector stated/ accused me of changing my phone number in attempt to avoid collection. I have both numbers active. I never received any mail correspondence. I tried explaining I lived in a small town and my mail often got delivered to another city hours away. The debt collector was abrasive and verbally abusive. I requested to receive documentation to verify this debt as required by FDCPA. My request were denied. I was told to call the original creditor. Which I did and they were unable to locate any documentation or accounts in my name.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I placed an order with wayfair. Immediately I got an email for the XXXX order # XXXX, XXXX sends me XXXX invoices for this XXXX order, afterpay invoice # XXXX and invoice # XXXX. After seeing I was double charged I immediately contact both XXXX  and XXXX. XXXX cancels the XXXX order in hopes it will delete both charges. XXXX redunds # XXXX but continues to charge me the duplicate charge, invoice # XXXX, making me pay the {$410.00} they glitched and defrauded me. It gets worse though, because I opened a dispute with XXXX, they disputed XXXX so XXXX credited both charges, and sent me a receipt of this that I provided to XXXX. Then XXXX fraud department found they were only ever sent XXXX payment by XXXX, but since they refunded XXXX, now they show the order outstanding and that I need to pay for it! So XXXX  not only double charged me, they got the refund from XXXX too that XXXX responsible for on that end, Ive sent Afterpay proof of my now outstanding balance with XXXX since XXXX  defrauded us both! Afterpay doesnt have a number and only gives automated responses that their waiting on the merchant refund which makes no sense in this case. Upon researching it, turns out XXXX  glitches and double and triple charges, never sending the money to the merchant, therefore the merchant having no record of it habitually. Then they give they just give automated responses. This company has been allowed to get away with blatant theft. It takes just a quick search to see how common of a practice this is for XXXX. I want my money credited, XXXX sick of XXXX playing XXXX like they dont know what XXXX saying even though Ive XXXX them proof of everything.
Product: Debt collection

This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. Please provide validation for the following accounts as listed on my credit reports : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. If you can not provide me the proper validation remove off my credit reports immediately.
Product: Debt collection

Receive calls daily from different phone numbers belonging to XXXX XXXX. I have asked three times for them to stop. They want someone who does not live here and is in fact deceased. The person apparently provided my phone number. I am not related to this person.
Product: Student loan

Beginning in XXXX i sent applications for teacher loan forgiveness. I sent electronically, by fax and by postal service mail. None appear in the I sent correspondences section. They show no correspondences from me. 
Beginning XXXX i called numerous times requesting information about qualifying for the student loans forgiveness, what i needed and what i needed to do, receiving my applications and the status of my application. 
I was told i did in fact have a consolidated loan which qualified for the teacher loan forgiveness. 
I submitted the application filled out by my school district verifying my years of teaching. 
XXXX received notice that my application was being received. 
XXXX XXXX my teacher loan forgiveness application was denied. 
XXXX XXXX response from my request to resubmit my application stating i was denied due to having a parent plus loan inside my direct consolidated loan thereby disqualifying me. I was told my loan qualifies. Their website ( Aidvantage ) states my loan type qualifies. But application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a loan from XXXX XXXX on 2014 i have closed that loans and taken XXXX also but still showing in XXXX, Equifax, XXXX sites i have all closure letters
Product: Debt collection

ProCollect has allow someone outside of me to get an apartment in my name. I have reported the matter to the property authorities and submitted information to FTC and to the creditor as of today this matter has continued to damage my credit. The resident was occupied 2018. Procollect has updated this collection on a regular basis with no resolution.
Product: Debt collection

honestly, it has been within the last pass month, {$2500.00} I called to get information about this account and where this amount came from, after asking a question I just got the run-around and asked for a detailed payment ledger, I was told they sent me the information twice which the company did but I wasn't what I requested, I need a payment history ledger with both my payment and the government program assistant on it so I can no the correct amount and what I'm being charged for, I was informed they didn't have to provide that information to me to then I sent a certified letter to the credit bureaus hoping they would do another real investigation and they didn't I send the letter on the XX/XX/2024 on the XX/XX/2024 it came back once again accurate on my credit report, I have yet to receive the document in which that decision was base on, this is very upsetting 15 USC 1692 ( c )
Product: Checking or savings account

I currently have a checking account with Chase bank over 2 years. On XX/XX/XXXX I received my federal tax return I signed the back and deposit the check same day through ATM. On the XXXX I called to check the status and was told by XXXX rep it was a XXXX  day hold, which I did not have a problem with. The representative place me on hold several times to come back and say she verified my refund check with the state treasury department while I was on hold and they verified the check and said the funds would be available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX after speaking with that rep I get an email stating my account will be closed due to fraud because Chase seems to believe my check was altered. I called the number provided spoke with XXXX account XXXX she advise they would have to call and verify the check with the treasury dept and once they verify that the check is valid from them they would release the funds but if they can not verify before my account closes then I would have to request another check from the IRS. XXXX advise me to call back early XXXX morning to speak to the department XXXX refuse to transfer me to the escalated department. If Chase can call the treasury department to verify checks, why do my account need to be closed when they can verify my funds with the IRS. FYI my check was for a large amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account 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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX : Bankruptcy Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and I also have sent them multiple letters to delete inquiries that were done without my permission. They have yet to correct this for me. I called them on  XXXX / XXXX / XXXX  for the  3rd ti me and nothing has been resolved. Other times I have sent them letters in  XXXX   XXXX  and  XXXX   XXXX . These are the following inquiries I asked them to dispute.    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: Checking or savings account

On XX/XX/2018 my account was compromised by theft by a debit card at a XXXX XXXX XXXX XXXX in XXXX TX. There was merchandise purchased in the amount of {$540.00}. I do not have a XXXX 's jewelry account and I did not purchase merchandise from XXXX XXXX XXXX. XXXX TX is over 300 miles to my home in XXXX TX. I am desperate for your assistance. The monies that was stolen from my account was for my electricity bill and it will be shut off if these funds are not returned to me. I have filed a police report, I have contacted Netspen & XXXX XXXX ( same company ) and I have contacted XXXX XXXX XXXXXXXX   and no one will assist me. I have given them all the information I possibly can and no one can give me answers to who took the funds from my account. XXXX XXXX XXXX tells me it's Netspend job to start and investigation and Netspend says XXXXXXXX XXXX XXXX has tell me what information they need. Please help me I am a single mom and I am in dire need of the CFPB.
Product: Debt collection

A letter and phone calls claiming a relative has died and they are looking for who is responsible for his estate. It's not me or anyone else. 
The company is Ascension Point, LLC in MN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance XXXX {$4600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.