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

To Whom it May Concern ; This is in reference to the Consumer Report sent by NELNET. 
While checking my credit report, it came to my notice that NELNET has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by NELNET will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or NELNET, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/year>, I sent eight wires from Citizens Business Bank, in XXXX XXXX California to eight banks in XXXX as XXXX Gifts to my family. 
Only three were received. All were {$18000.00} each.

I then asked for traces on the missing money. XX/XX/XXXX. 
To date I am still waiting for three wires to be returned to me of {$18000.00} each. Total of {$54000.00} I am still short. 
One wire was refunded on XX/XX/XXXX. 
One wire was refunded on XX/XX/XXXX. 

Contact for me at Citizens Bank is XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ( Original Creditor : XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, 11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX. Inquiries : 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 called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I never requested a credit pull or anytbing for these banks/lenders or whoever they may be. I believe my information was used incorrectly or fraudulently. I tried calling each one and did not help me at all. 


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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

They keep calling even after I told them the person that they are looking for no longer own the phone number ask to be removed but they still keep calling at all time of hour. 
( Midland Credit Management MCM )
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

This is for TransUnion they are not updating information on my accounts some have been over a year since updated tired of them misrepresenting my info. They lower points for nothing and then when I pay an account off they do nothing to up my score. Very tired of them making me look bad for years now. 
I am XXXX wished for using credit and never praised for paying things off.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Transunion credit report. 
XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act :
Product: Credit card or prepaid card

I do not accept the lies Citi Card is still pushing. They lost my payment and blames the post office when my other payment was received just fine. They would not pull up my actual payment when I asked twice. How convenient! I will file complaints and dispute all of Citis lies as many times as it takes. Every time someone contacts me they just repeat their lies and refuse to incorporate any of the facts I told them! I am amazed at the terrible service that good paying customers receive and I canceled prior to the XXXX. I
Product: Credit reporting or other personal consumer reports

Exifax continues to report that I owe XXXX for student loans. I do not. I presented Equifax with documentation from XXXX that indicated my loans were paid in full. The documents were provided to me from XXXX. When I called XXXX, they suggested that the credit bureaus might not have gotten the latest information. However, I provided the credit bureaus with documentation that shows the loans are paid in full.
Product: Credit reporting

I need to file a dispute about the addresses and spousal/coapplicant information is wrong!
Product: Credit card

I suggested XXXX in XXXX on XXXX, lost my job and income, and took 7 years to settle the lawsuit in our favor, however, the cards that Chase are reported as written off referred to a first missed payment in XXXX of XXXX, and since the statute of limitations in CT, is 7 years, this debt was unenforceable by XXXX of XXXX, and written off XX/XX/XXXX, when my score dropped XXXX points. 

This information needs to be moved from my report as it is no longer a legal debt. 

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

Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} 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 am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX  score was a 691 and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
Product: Mortgage

We received the final closing disclosure from the lender prior to close stating we would need {$3200.00} to close. The day the notary showed up he had a paper saying we 'd need {$3900.00} to close. I showed him our disclosure and he said that ours must be right and they must have made a mistake on his end and accepted our certified check for the lower amount. Today ( the following week ) the lender called and said we could n't close on the loan because we were short {$680.00}, having only provided a check for the lower amount, and we 'd need to drive XXXX miles to the title company with the extra funds today to prevent the loan from falling through. I feel it is deceptive for this " bait and switch '' demanding nearly {$700.00} extra at the last second in clear discrepancy with the closing disclosure we were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report, there is a medical collection from Avante USA, I called & this was not me I'm a victim of identity theft, debtor is a doctor in XXXX & I've never even been to that state & furthermore, I have health insurance... I disputed it with XXXX XXXX and it came back as " ACCURATE '' however, it is not accurate. I am willing to go file a police report or take whatever steps necessary to get this. Removed off my credit report immediately or I will file litigation.
Product: Vehicle loan or lease

I am at my wits end with this company. I received a letter saying that my XXXX payment was not received. I immediately called XXXX ( a payment vendor I use so that my car payment can be withdrawn out of my checking account every 2 weeks, and sent to the Valley Bank, the bank my car loan is through ). They told me they had a copy of a cashed check from XX/XX/XXXX for the XXXX payment, and that they have already sent my XXXX payment to Valley Bank. XXXX asked me to get an email or fax number from Valley Bank so that they can send proof of the payment, and Valley can apply the funds correctly. 

It has been a nightmare calling Valley Bank. The number in the notice was XXXX ext XXXX. I called on XX/XX/XXXX at XXXX XXXX  when I got home from work and the day I got the notice. I was on hold for 1 hour 25 minutes just to be hung up on. It sounded like the call was connected to someone and they hung up ( accidentally I hoped ). 

I XXXX Valley Bank 's main number XXXX at XXXX XXXX XX/XX/XXXX. I got through to a lady ( I didn't write her name down unfortunately ). She asked me all the verification questions and then told me that she didn't see any payments posted to my account. As in, I had never paid my car loan since XXXX. I've paid just under {$20000.00} so far. I told her I have proof of my payments, and I needed an email or fax number so my payment vendor can send them proof to apply everything correctly. She put me on hold several times and finally came back and told me she didn't have any idea where I could send that to, but I could send it to XXXX and they'll make sure it gets forwarded. The whole interaction was very off putting, and because she literally admitted she didn't know what to do, I decided I'd call again to double check. 

I called twice on XX/XX/XXXX. Both times I called XXXX ext XXXX. Once at XXXX and again at XXXX. I was hung up on both times before I could actually speak with someone. I sent a message through the website asking for a call back since I was having an issue calling in. I also left a message on the phone system. 

Today, XX/XX/XXXX I got a call back at XXXX, but I was sleeping. The message said to call back at XXXX. I called that number, and spoke with a man ( I think XXXX ). I  explained to him the situation, and that I had proof of payment and where to send it to. He then asked me for my account information and verification questions. Then he told me the XXXX payment wasn't paid and I need to pay it asap. I told him that it was already paid and I needed to know where to send the proof. He said that there was no payment and payment had to be made as soon as possible. Do your representatives not listen to what the callers are saying, - I literally told you twice already that it was paid, and the XXXX payment was already made. Eventually he told me to send it to XXXX -- - " so they can see what they can do. '' So where am I supposed to send proof of payment to? I've called several different times and received conflicting information. I don't want my private information sent across multiple departments that have no business seeing my information.
Product: Credit card or prepaid card

I bought a XXXX dollar tv and sound bar totaling around XXXX. Turns out the tv is defective and due to them being understaffed and phone problems anytime they put you on hold it disconnects you. They said I never reached out within a month since apparently they wash their hands after that. I purchased XXXX XXXX  warranty too which they have not done anything with and refuse to help fix their defective item. I also got a Best Buy credit card for this purchase specifically which I wouldnt have otherwise which they are doing nothing on their end on the dispute besides seeing what Best Buy wants to do. They have an interest obviously and are siding with their interest not getting any info from me regarding this issue. Ive attached videos of the issue which is a processor issue that delays the sound. Ive also attached Best Buys response which is a lie I contacted them twice once on the phone which I was on hold for 30 minutes then placed back on hold and it disconnected and in store where they said just to watch it and see if it happens again.
Product: Checking or savings account

There was a claim on XX/XX/XXXX of XXXX  on the account from XXXX XXXX to XXXX XXXX that was before we opened our account. XXXX had cashed a check from XXXX 's account We opened our account XX/XX/XXXX of XXXX. There was {$530.00} taken out of our account on XX/XX/2023 that had nothing to do with us. We made a claim on XX/XX/XXXX of XXXX  to get our money back that should not have been taken. We have made several phone calls with Bank Of America trying to resolve this issue and nothing has been resolved. We have nothing to do with the check cashed by XXXX from XXXX account. They live in a state we never been to. XXXX owes the {$530.00} not us. This happened before we opened our account.
Product: Debt collection

On XXXX a debt was opened for the amount of {$1100.00} It was placed on my credit report XXXX XXXX Before this I received no notification of this debt or that any collection would be brought against me. 

Im also not certain if it is outside of the statue of limitation in the state of Oklahoma because it says 5 years. This would be 5 years and 5 months
Product: Credit reporting or other personal consumer reports

The account was charged off the following date ( XXXX, XXXX ) Since then the account has been repeatedly updated as charged off every month for the year of XXXX. This is an update in the payment history. A charged off account should NOT have an active payment history. This inaccurate information falsely manipulates the statute of limitations. Also, the same account has appeared on my Equifax credit report twice with different dates.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX
Product: Debt collection

Trans World Systems repeatedly calls trying to collect a XXXX XXXX bill for {$740.00} from XXXX. It is now XXXX. A XXXX XXXX XXXX debt that is not even my dept. I have never had XXXX XXXX. I have called and tried to speak to management but I am just getting over seas people hard to understand and refuse to do anything unless I give them my SS # and DOB. Which I will NOT! They can tell me what the dept they are calling for. I ask them if they are aware that is a XXXX XXXX XXXX dept and in Texas that is way past statute of limitations. But again they just tell me the calls will not stop and they will not do anything unless I give them my personal information.