23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked to Nelnet/U.S Department of Education to provide proof that I consented to student loan debt and explain their reporting of information to credit bureaus and prove that they are in fact valid debt collectors in accordance to 1692 law definitions. I have repeatedly contact them ( Cease and desist letter on XX/XX/2019 and another letter of information request on XX/XX/2019 ).
Product: Credit reporting or other personal consumer reports

Hello. 

Last year. I was having issues by paying my car. 
I negotiated with XXXX XXXX financial the possibility to extend my due date and that cost me XXXX dollars the month extension. 

Then I see on my report a late payment on Transunion that is affecting my XXXX XXXX 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. '' I contacted them already and they dont want to help me to delete the late payment I want to use this consumer option to delete that from my credit report. 
Thank you
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX BANK XXXX {$660.00} XXXX XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PA XXXX XXXX XXXX XXXX XX/XX/XXXX Texas XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX Highway XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX remove these inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX XXXX XXXX : XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had ongoing issues with Cap one witt cards, Ive paid off all cards witt cap one except my journey has a XXXX balance out of XXXX, they reported today my credit usage was 98 percent when I paid off more than 2 weeks ago, they did wave the fees on the last one I submitted to u guys!! Not sure why they like to mess with me!!! Trying to get my score up, but they insist reporting incorrect info!!! Ive also paid many fees I shouldnt have,
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXXXXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleases remove extended fraud alert from my credit report Attention please remove extended fraud alert from my TransUnion credit report.
Product: Checking or savings account

On XX/XX/XXXX, a wire of {$99000.00} was received by NFCU from my brokerage account at XXXX XXXX XXXX using XXXX XXXX  as the distributing bank. 
I visited a branch to request a withdrawal and then wanted to wire the rest of the deposit to my account at XXXX. 
I was advised that the wire was placed on hold by security in lieu of a response from the distributing bank that the wire was valid. 
No one at NFCU, even a manager in the fraud department named XXXX could give me a satisfactory reason for the hold or when it would be released.I explained that I have wires sent from XXXX to NFCU routinely. No one there seemed to really know anything and expressed a complete lack of urgency in assisting me. That wire is extremely important, or else it would have been sent as an ACH deposit. 
I have been a member of NFCU since XXXX, and to be treated this way is not unacceptable.
Product: Credit reporting, credit repair services, 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. The last letter sent to XXXXTransUnion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} CB XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX were appropriately removed. As such my record continues to show NO payment made by me to XXXX XXXX XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is Experian and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???
Product: Mortgage

I am 'continually ' being harrassed by the following phone no. :  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX  am  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,    2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 p hone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 p hone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,     2017 ph  one no. :  XXXX  time :  XXXX    XXXX     XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,   2017 ph  one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX  There are more dates & times, but in the begining I just deleted them. Now that they are 'again ' harassing me, I kept the above in my cell phone because that 's where the calls are placed.     I did call back once, and the recording sa id Wells Fargo. Not hing about any collection? I found that odd. Anyway, I pay my mortgage monthly, and my  Home Eq. Cr. Li ne mortgage and the last bill that I received fro m Wells Fargo for the Eq. C r. line for {$600.00} + I paid. So I do n't know why I keep getting these calls, BUT I WANT IT TO STOP! IF THIS IS N'T HARASSMENT, THEN I DO N'T KNOW WHAT IS!
Product: Checking or savings account

I opened a KeyBank checking account on XX/XX/2020, a few days after opening a KeyBank Gold Money Market Account on XX/XX/XXXX or so. 

Despite several calls to Key Bank since opening this checking account on XX/XX/XXXX, they have failed to provide access to it and it is unable to be seen on the mobile deposit or in online banking. I have called their 800 number several times, they don't address it, make excuses, don't follow up, etc. On Friday XX/XX/2020, they told me a programmer was going to fix the issue so I could see and access my checking account in the mobile app or in online banking, and told me it would be resolved in 10 business days. Ten business days has come and gone, then I called back in late XXXX to ask why this still was done despite their promise it would be done from the XX/XX/XXXX call. They gave me the run around and no answers. Almost an entire MONTH after opening up this checking account, repeated calls to their customer service line, and promises this would be resolved, they've not delivered. Key Bank is a criminal enterprise, has the worst, dysfunctional and unavailable mobile app I have ever seen, and they lie to customers. 

I have zero access to my checking account, can not see it in the mobile app, have tried today to log in online and see it, to no avail. I emailed the personal banker the week of XX/XX/XXXX expressing concerns, he never replied to my email either. I will be getting a lawyer involved soon because their mobile app does not work and allow the customer to see their checking account despite me trying to add it to the app. The programmers and technology people do not follow up with the customer and neither does the branch banker or customer service. This needs escalated to the Executive Level.

I'm not playing games with KeyBank anymore. Their mobile app is always down, I've read  numerous online posts from frustrated customers, and I can not even get statements on my checking account, let alone see it in the mobile app or in online banking. The CFPB and OCC need to get to the bottom of mobile app issues that exist at KeyBank and their terrible technology woes. This has real impact to customers! And they also do not staff their customer service line so customers can not get a person on the phone to resolve their issues and the branches are closed!
Product: Credit reporting

i have disputed and asked experian, XXXX, and XXXX to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to show me proof, such as, my signature on this, they did n't and could n't show me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report.i need validation of my signature and the credit bureaus are refusing to provide validation. i need this fix asap. pls help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX  XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of debt Letter.
Product: Debt collection

I have no knowledge of these 2 charges that Franklin Service Inc is trying to collect on. I have never been to XXXX or XXXX and do not know of XXXX XXXX XXXX XXXX. I have tried to call Franklin Services Inc. several times and they immediately transfer me to be placed on indefinite hold. I call back and try to speak with the receptionist and she will not even attempt to help. Instead, she transfers my call to be placed on hold which never gets answered. In addition, I have also placed a claim dispute with XXXX. They are not clearing this fraudulent collection for some reason. My credit is clean. I have zero debts to anyone. Please help. Thank you!
Product: Vehicle loan or lease

All people are the same. In XXXX, I purchased XXXX used cars The first down payment was XXXX, the Toyota loan, interest rate was 15.89, the monthly payment was XXXX, 72 months, and the full payment was XXXX, which was higher than the price of buying new cars. .. XX/XX/XXXX trailer This company dragged the car, I looked for two months, went to the trailer company twice, saw the car, but did not let me get my things back, my tools in the car, not On a fair loan, I bought a car and the dealer actually gave me a budget statement that deceived me as a contract and mailed the contract to my house within a few days. Does the Toyota creditor operate credit? Given that the maximum loan interest is 16, Toyota Credit gives me 15.89 interest, is it now a law to maintain a dealer like Fraud Robbers? To provide 2 to 5 interest rates for local residents, I read on the Internet every day and can see Fair loans, regardless of race, so I am a fair loan? The discrimination against me is that XXXX people do not speak English and English pays more than my credit. Credit companies fraudulent loans. As a result of future generations, I definitely Do not recognize such credit companies, for those who have a wealthy and poor value, laborers, how the labor force repays this unfair loan. Legal, legal, legal, all people in the world must abide by and believe, fair law, I beg you to have the rights and the law enforcement person to help me escape this dilemma.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX but still nothing from them. That means creditor/XXXX XXXX XXXX NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX.
Product: Debt collection

Purchase was from XXXX XXXX XXXX. Debt was satisfied with XXXX for {$1300.00} to clear the debt. Difference was {$270.00}. Now it is up to {$550.00} and has gone thru XXXX XXXX XXXX XXXX and the current one received yesterday, Credit Control & collections in XXXX XXXXXXXX XXXX XXXXXXXX reference # XXXX. 
Each time I provide the collection agency with back up documents, they forward to a new collection company. 
I have been in touch with XXXX and XXXX. They have removed from my credit report but it effects my credit rating. 
I will be sending out a letter to this new company and contact Legal Aid and State Attorney General. 
I want this to stop passing the buck when they don't make headway on the collections and just send it to another. 
Thank you
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.