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

This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.
Product: Credit reporting or other personal consumer reports

As directed by the Experian app, I have called their customer service line several times in XX/XX/year> to discuss an identify theft issue. I have been put on hold 30+ minutes 3 times ( after hearing a prompt I would be speaking to a human within 3 minutes ). I have never been transferred to a customer service specialist to address my issue. I have emailed Experian several times regarding the issue and have gotten no response. As I am paying {$24.00} for Experian 's service, I expect someone to help me with my issue.
Product: Credit reporting or other personal consumer reports

I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does Experian have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The 19 accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Experian maintains under my social security number. 

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of the companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. Experian has aided these companies in violation of this Federal Law. 

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. 

Am I to assume that Experian is affiliated with these credit card companies and banks? 

I have not given Experian permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. 

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, Experian is to be held accountable for {$1000.00} per violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Experian is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Product: Payday loan, title loan, or personal loan

I have a XXXX XXXX XXXX  no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for XXXX XXXX be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called XXXX they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to two other places ONE place did have a used engine it was {$3100.00} and told me it would take 15 hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against XXXX and XXXX for this exact reason so I just wanted to reach out to somebody.
Product: Debt collection

I received a notice from attorneys from the Law Offices of XXXX and XXXX XXXX, advising I owe a debt that I do not owe for my private home to NationStar Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Checking or savings account

On XX/XX/year>, I deposited a check into my business account. This check was our monthly payment for sub-contracting services that we have been providing with the same company for the past XXXX years. We have the same banking pattern each month as we depend on the payment for our basic living and to pay our mortgage and other bills. On XX/XX/year>, the funds were not made available in the account. I went to the branch that I deposited the check at and talker to XXXX, a personal banker. He told me that he would have his manager look into the issue and get back to me first thing Monday morning. On Monday XX/XX/year>, I called XXXX 's direct line as listed on his business card and he told me that he or his manger were still working on it and either he or she would call me back about my funds being unavailable. I did not receive a call back and my funds are still pending in my account. It is imperative to the operations of my business that I pay all of my bill and insurance payments on time. I can not afford overdraft or returned payment fees when the pending transactions and payments that are automatically drafted post to my account.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats
Product: Money transfer, virtual currency, or money service

The IRS issued a check in my name for my tax refund ( almost {$3000.00} ) dated XX/XX/2023. I never received the check in the mail, so I followed up with the IRS. The Bureau of the Fiscal Service ( BFS ) got involved and determined that the check had, in fact, been cashed. On XX/XX/XXXX, the BFS provided me with a copy of said check, which showed that someone had forged my signature to endorse the check and cashed it at a JP Morgan Chase Bank location on XX/XX/2023. There is another signature underneath " mine '', which I suspect belongs to the person who forged it. I've never had an account with Chase, nor do I know someone with that name. 

In order to file a comprehensive Claim Form ( FS 1133 ) with the BFS including as much information as possible, I immediately got in touch with Chase to figure out at which branch the check had been cashed and how a stranger could have been able to cash it. While the Chase representatives told me the branch location where the check was cashed ( XXXX XXXX XXXX, XXXX, NJ XXXX ), they did not provide me with any information on how the check could have been cashed. They instead told me to get in touch with my bank ( which has nothing to do with this matter ). I did call my bank anyway and talked to a fraud specialist. He suspects that Chase never asked for a proper form of identification to begin with. 

I would like to know : Did the person who cashed my check ( and probably deposited the funds into their personal Chase bank account ) show any form of ID? If so, might I have to take steps to protect myself from identity theft/further damages? And if not, why was that person not asked for ID?
Product: Debt collection

JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time.
Product: Mortgage

Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio. Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in XXXX. Stay low and I can qualify for XXXX.Even my son was suppose to be my cosigner and they state isn't approved. The firts company is XXXX XXXX The name of Loan processor XXXX XXXX. Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX XXXX.He pre-approved me for it. I got unemployed XX/XX/2021. I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. One at sesalons pay with XXXX. And XXXX XXXX  pay XXXX. All paystuff submitted by email to him. Even my son pay stuff. I haven received the declined loan letter. Just a phone call by him saying he only use my base salary he can't use XXXX. And he just called me today again XXXX XX/XX/XXXX at XXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. I had putted XXXX in down-payment. Wich XXXX homes refunded to me.he also said I'll be getting the declined loan letter in 10 days. Second company I applied to is The XXXX XXXX of NFM Lending. I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. Yes I have been a victim of boycotting and XXXX XXXX XXXX XXXX XXXX Loan number XXXX And XXXX XXXX | she/her/hers XXXX XXXX XXXX  # XXXX XXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and XXXX.
Product: Debt collection

Company called while I was working and refuses to communicate unless I revealed personal information including SSN info. I refused to comply with that request but I called back to make sure I was speaking to a real rep. Unfortunately at this point I was hung up on. I called back and asked a gentleman for help and he raised his voice and yelled over me ... twice. Then he hung up. I called back and spoke to a female CSR and she also hung up on me after " reviewing '' my file. At this point, I think they were just running some kind of scam, since only a lack of oversite and leadership allows this unprofessional behavior but they did give a real business name, CBS Collections. 

No information about the " debt '' was ever discussed or disseminated.
Product: Money transfer, virtual currency, or money service

I received a payment to my account and I initiated a instant transfer to my bank account. The transaction was frozen because i was being asked to identify my identity. I upload the documents and then told that my bank froze the transaction. My bank lets me know that they dont have any record of any incoming transfer. In the meantime Im being told that my funds are being held and my account is blocked because I havent given them my Drivers liscence, wich I uploaded when I first was asked to. Next Im told my account is closed and No longer can use their services. Eventually I receive a notification saying my account was credited the money I transferred and the transaction was canceled by the company. In my Account it never shows the balance Amount that was just credited to my account. Eventually I am told that the company sent my money to the sender and since Im no longer allowed to use Venmo I have to find another way Of getting my money back. They not only lied to me by saying my bank froze my account when my bank never even seen the transaction they took my money that was credited to my account and made a transaction to send it back to sender, a transaction that I didnt request
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX : Dispute XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX hereby issue this formal authorization to Equifax to remove the following inquiries from my credit report : Inquiries : Date : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have recently communicated with a representative from Equifax who has provided guidance on the necessary procedures for such requests.

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity.

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In 2021 the debt collector, Security Credit Systems Inc., aggressively and relentlessly called my phone number. When I answered, a man who refused to give his name, was extremely threatening - yelling and not allowing me to speak. He said I owed money to XXXX XXXX XXXX  which I attended under federal government-issued student loans only. When I asked for proof of the debt, which he alleged was over {$15000.00} at the time, he hung up on me. Two years later, with absolutely no contact from him, and with the college itself refusing to provide validation of the debt to me upon request, I noticed a collections account in excess of {$20000.00} on my credit reports- put there by Security Credit Systems Inc. Not only has the debt inexplicably increased by over {$5000.00}, the debt collector and original creditor will not provide validation of the debt, and yet manage to stain my credit report every year with no consequence. 

Similarly, when I contact the accounts department at XXXX XXXX, both a male and female staffer are extremely belittling, insulting and unhelpful simply stating that I owe the debt and not explaining, despite my federal student loans, why this debt is owed. They talked to me like I was stupid and were extremely insulting. Furthermore, the school asked me in writing to leave, for no reason, and yet are charging me for the entire semester. They were not interested in explaining the debt or reaching resolution, but instead exported the matter to an aggressive and threatening debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XX/XX/XXXX PROVIDE ME with competent evidence that I have any legal obligation to pay this debt.

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practice, which violate the customer financial protection act specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected furthermore their dispute resolutions process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act And regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

My loans were moved to Nelnet from Great Lakes back in the summer of 2023. I was notified that payments would resume in XXXX. I made an account, and set up auto pay to begin at the end of XXXX. Received email confirmation from Nelnet. Come back to my portal at the end of XXXX to see that no auto debit has been put on my account. Thought it must be an issue with the payment I put in, so I make a direct, one time payment to Nelnet to bring my account back into good standing. I get an email confirmation that my loan has been paid. Go back to my bank account the next week to see that payment still hasnt been pulled. Log back into Nelnet and I am now getting alerts that my payments are overdue. I continue this process, with no success. I am also not able to contact the loan servicer by phone and no one has returned my email requests.
Product: Student loan

My son attended XXXX XXXX and XXXX  in XX/XX/XXXX. As a parent, I assisted with his student loans debt. This college is no longer in operation. My understanding is as early as XXXX, XXXX XXXX was under investigation and violation of their fact sheet and ethical principles and practicesas noted in the XXXX student report ( XXXX ) for reference. Lawsuits were filed against XXXX XXXX which is noted in the report mentioned above. In the meantime, students and parents such as myself have continued to pay on the student loans. My student loan is with AES loan # XXXX XXXX XXXX. My monthly payment is {$270.00}. I am looking to have this entire loan removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. Equifax is showing my payments go from XXXX to XXXX late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.