23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I called Nelnet, my student loan servicer to set up an automatic payment. I am still a student, and when I tried to do this on their website it said I could not because, currently being in school means I don't have a due date, and therefore no need to make payments. 
When I called Nelnet the customer service representative took the time to ask his superior if he could help me set up an automatic payment, the answer was no. He told me I could set up bill pay through my bank. When I asked him for help to do this, he said he didn't really know how it works, I should contact my bank.
Product: Debt collection

I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. 

In conclusion, I implore you to treat this matter with the utmost urgency and dedication it deserves, recognizing its significant implications for my financial well-being and peace of mind. Together, through collaborative efforts and decisive actions, we can rectify this issue and ensure the integrity and accuracy of my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Debt collection

This month a collection debt for {$470.00} dollars appeared on my credit report. I have disputed it with all the credit companies, and nothing has changed. It says it's a collection account from XX/XX/2023... I have had XXXX XXXX XXXX  for well over 4 years. It also does not have any attached information, everything is blank except for saying " original creditor is XXXX ''. A couple years ago I repeatedly disputed a XXXX account that was a " XXXX  '' account line ( I'm nowhere near that age ) nor have any knowledge of that. I'm currently trying to build my credit so my family can get a house and this repeated debt that isn't mine is prohibiting me from doing that by further wrecking my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Student loan

On XX/XX/XXXX I received a letter for a private loan from NAVIENT. All of my private loans were paid in full by my grandmother ( my co-signer ) upon her death. NAVIENT just informed me there is a loan not paid. I have requested all documents in regards to this loan with all the details and NAVIENT states they can not provide me the documents for me to prove it has been paid.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX XXXX were no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Comenity Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

With that being said, I've reached out to comenity to ask for the removal of this late remark that occured in XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion still has yet to respond about correcting their errors of my credit age. Ive HAD CREDIT FOR 2 YEARS NOW
Product: Debt collection

in order to charge off an account the original creditor wrote it off on their taxes. please provide debt validation, original accounting and signed contract by all parties or remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me stress and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX XXXX. DEPT OF EDUCATION/XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. DEPT OF EDUCATION/XXXX {$4600.00} Balance updated XX/XX/XXXX XXXX late payment Account numberXXXX 4. DEPT OF EDUCATIONXXXX {$4500.00} Balance updated XX/XX/XXXX XXXX late payment Account number XXXX 5. DEPT OF EDUCATIONXXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX
Product: Credit card or prepaid card

I opened a victoriassecret credit card on XX/XX/2021. Since the XXXX month eve of the credit card opening I have requested credit limit increases and continued to receive the same false letter response stating that since they were unable to get in contact with me they can not approve my request. No contact of any kind has ever been made. I called customer service to verify this and no one had records of the company trying to reach me. This is a horrible business practice and I would like this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has all of my info, some right. Most info mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the Consumer Protection Agency to get tough with Experian to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers in this bad XXXX economy, can we all get on the same page so I can have money to pay my bills on time not lose my apartment home. and can not get another apt . home in my name due to faulty info on my national credit reports.
Product: Debt collection

Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received notices from lenders who declined to grant credit to me even though I never applied for credit with them. They stated that they received my credit information from Experian. This surprised me because I had frozen my credit reports with all three credit bureaus in XXXX. When I attempted to log on my account at Experian to refreeze my report, I discovered the my password didn't work. I believe a hacker took over my online account at Experian and had my report unfrozen and proceeded to apply for credit in my name. On XX/XX/XXXX, I sent a letter to Experian requesting that my report be frozen again. ( I had also previously asked for a fraud alert to be placed on my account. ) On XX/XX/XXXX and XX/XX/XXXX, Experian wrote me and said my report had been frozen. But on XX/XX/XXXX, I received an email from Experian stating that my report had been unfrozen again. I supect the hacker had once again used my hijacked online account at Experian to have the report unfrozen. 
On XX/XX/XXXX, I again wrote to Experian requesting that my report be frozen again and that my online account at Experian be XXXX. Since late XXXX I have received numerous notices from lenders declining credit applications which I did not make. These notices stated that my credit report had been obtained from Experian. I demand that Experian permanently freeze my credit report and permanently disable my online account and prevent any future online account from being established in my name. It appears that the hacker had somehow obtained my social security number and date o birth.
Product: Checking or savings account

MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches do not take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( https : //get.moneylion.com/XXXX ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. The contact info on the www.moneylion.com website is also inaccurate, since the phone # disconnects upon transfer and the e-mail has since been replaced by a ticketing system that makes it near impossible to file a support request. 

I deposited {$3500.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$3500.00} was processed on XX/XX/2019. On top of that I went above and beyond the bonus requirements and even had a third direct deposit of {$3500.00} processed on XX/XX/2019 and kept my ALL funds in my account for over 100 days without withdrawing any money. I have met the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy and credit my account {$590.00}, which is 17 % of of initial deposit of {$3500.00}. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX a XXXX hard Inquiry appeared on my Experian credit report even though I had not applied for any new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a Federal Trade Commission Identity Theft Report to XXXX XXXX, Experian and XXXX. The following accounts and credit inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized, and not mine : Accounts : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX LA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
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.

15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 15 usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 usc 6802 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Checking or savings account

From what it looks like on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were accounts opened with XXXX XXXXk. I DID NOT open these accounts at all! I want this this is ruining my credit and how i can open up an account also it looks like someone opened up an account at citizens bank as well on XXXX/XXXX/XXXX I had my wallet stolen but I dont get how they opened my account like this! 

I have tried to talk to them and they wont do anything about it. I just keep getting bills to pay it. I am not paying anything that i dont owe!
Product: Credit reporting or other personal consumer reports

Equifax information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Equifax, Re : XXXX  account number # XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

The date you have this item reported as a charge-off doesnt match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX  account number XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this issue and remove or correct the inaccurate charge-off from my credit report. I would appreciate your prompt attention to this matter and request that you send me an updated copy of my credit report once the correction has been made. 

Thank you for your time and attention to this matter. Please contact me at XXXX if you need any further information to process my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX : {$1200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX NAMES NOT RECOGNIZED AN XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fraud protection errors related to a recent home address change and overdraft fees