23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Currently, my student loans has been changed to a new loan provider. From Greatlakes to Nelnet this year of XXXX. At this point, my account has been targeted for harassment. My account with the server was just recently billed from my college institution XX/XX/XXXX and so on. Every since then, I am being charged interest rates everyday. I have been checking my account every since college reimburstments went out XX/XX/XXXX to make sure I am being billed the correct amounts and that I am not being over charged. On XX/XX/XXXX, I recieved a letter from them stating that they have set the interest rates to 0 % for the month of XX/XX/XXXX through when the payment pause ends. The letter also states that they have placed my loans in a payment pause for the period of XX/XX/XXXX through the payment pause ends. I checked my account four times in during XXXX and XXXX of this year and all four times interest rates in the amount of {$68.00}. XXXX have been charged to my account between XX/XX/XXXX - today and {$290.00} more and I need it to stop.. I tried calling and was put on hold for an hour and then disconnected after waiting. At this moment, they are not taking emails or phone calls. They will not answer the phone or except any emails or messages on social media. 
Please review the websit email message. https : //nelnet.com/nelnetforms/emailus I will also like to mention that the company has a code of conduct policy they are failing to follow. https : //nelnetinc.com/code-of-conduct/ please consider. 
The new company has also been targtng my credit report score by reporting new balances as new accounts. It's dishonesty to pull my XXXX XXXX down that's been in good standard for over 12 years now and it needs to stop immediately. 
Again, my account with the new company has been targeted and monitored for harrassment, overstatements to negetively affect my credit score and loan interest rates and I need it to stop maliciously attacking my years of good reputation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Skopos Financial several of times in regards to this old information that is being reported on my credit report that isn't supposed to be. This item is well over 8 years old and has been reporting for the last 7 years. It is well past statue of limitations. This item is hurting me financially, mentally and emotionally. I am unable to move forward with this old item still being reported. It needs to be removed immediately, otherwise I will be forced seek and obtain legal representation to have this item removed and other compensations to rectify this matter.
Product: Credit card or prepaid card

Notice of Rebuttal XX/XX/2020 On XX/XX/2020 Ive received a piece of communication from American Express, claiming that the billing dispute with XXXX for the amount of {$250.00} was resolved. In that message merchant provided a copy of the same receipt they had provided previously, on top of that theyve had included some new manually written comments, but a part of that they didnt provide any other new documents, while Ive previously submitted copy of the billing statement from XXXX Visa and a copy of digital receipt from XXXX XXXX  all of these could be found attached and are already saved on file. When Ive requested the dispute to be appealed and processed again it was opened and closed the same day. 
I dont agree with the outcome of the investigation, I dont feel that the documents submitted by me and therefore the whole billing dispute was processed accordingly and request the appeal by the higher office of American Express and looking forward inquiry be sent back in to dispute. Please, consider document previously and currently attached and credit back {$250.00} back to my XXXX account. 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I was informed by USAA that my account will be closed. They stated that I will not have access to the direct deposit coming into my account on XX/XX/scrub>XXXX For 60 days until the account fully closes. I explained to them I need access to my funds and can not wait 60 days. They are refuses to allow me access to my funds I have no problem with them closing the account but I need access to my funds.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A few years ago I ventured online for a payday loan. The loan that came up was XXXX and I applied and was approved. I received the funds and realized the interest rate and after further researching I knew this was not something I wanted so i returned the payment to the company and closed my bank account after I found out that XXXX was not authorized to do business in the state of North Carolina. The company three years later has reported this to all three major credit bureaus after I completed disputes that the company was not legally able to provide the loan in my state and that I paid the payment back for the only 3 days that I had the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several errors on my credit report with Equifax. I have sent several certified letters over the past year and Equifax continues to disregard my request to provide the method of verification. In accordance with FCRA, Section 611, I continually requested for information to be review for completeness and accuracy. I made this request via sending multiple certified letters requesting that they provide : 1. The name of the original creditor.2. The creditors address and telephone number. 
3.The person 's name they verified the dispute with. 
4.The documentation used to verify the dispute. 

For these accounts : XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX  ( XXXX ). 

I dont understand how these accounts could come back verified when the information reported by the bureaus clearly dont match one another. 

My latest dispute was sent on XX/XX/2022 and it was received by Equifax on XX/XX/2022. I attached the certified tracking receipt for reference ( XXXX ). Unfortunately, even after providing Equifax proof that the items were inaccurate the accounts came back as verified once again. 

I am understandably very frustrated that this has happened and can not believe that Equifax has allowed these inconsistencies to remain on my credit report. I have spent hours diligently reviewing my credit and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving Equifax ample time to remedy the errors in question. This lack of correction has put me at a disadvantage and has cost me valuable opportunities that require good credit in order to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that Equifax has not removed these inaccurate items. It is well within my right to request that the items in question be deleted and removed from my credit profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Product: Debt collection

Have repeated called my place of business. After they said they themselves said they would never contact them. The business has caller identification. So every time they call they attempt to lie and say its not them when they have already been identified before yhe phone is answered.
Product: Mortgage

I have made several attempts to rectify all the issues I am having with Selene Finance. The have promised to correct all of the errors that they have made however they have failed to do so
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX claims that I never paid my last bill and did not return the equipment. I have a recorded phone conversation that would prove otherwise as well as an equipment return receipt from XXXX. This matter was previously disputed and settled in my favor. After one credit collections agency dropped the account, XXXX proceeded to fraudulently, and against federal regulations open a second credit collections account with a different agency. I owe them nothing and my credit has been damaged for over a year, not to mention the hours of time spent having to deal with this that I would normally be paid {$40.00} any hour for ( Im considering suing for emotional distress, harassment and cost of time delegated to correcting the issue ) due to derogatory remarks on my account. They should be held legally accountable and I feel repercussions should be mandatory.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information. 
7. Unauthorized sharing of my personal information.

8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC.

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

Immediate correction and action are necessary to resolve these serious issues.

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

CONN CREDIT CORP Account Number : XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

CONN CREDIT CORP Account Number : XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Debt collection

We have stated to Portfolio recovery 3 times to cease and desist as we are represented by council. Portfolio repeatedly called me in an attempt to collect the debt.
Product: Debt collection

There was a Notice and Demand for Payment opened XX/XX/2015 to recoup the exact value of the illegally collected debt in the amount of {$460.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Product: Credit reporting or other personal consumer reports

I have incorrect information reporting on to my credit report! I have inaccurate late payments reporting and I need them removed immediately! I have been trying to have them removed for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. Equifax and XXXX data breach. Accounts are not mine. Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX & XXXX XXXX Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, Midland Credit Management has violated rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Mortgage

Please see the attached letter and receipts to explain in better detail the facts of the case. 
Caliber Homes charged us {$10000.00} in order to keep our home from being foreclosed, yet we had made the payments ( receipts are attached ). XX/XX/XXXX I mistakenly paid {$87.00} short for a total of 3 months for a total of {$260.00}, yet I was forced to pay {$1900.00} in order to keep our home from going to foreclosure. I did receive one response from Caliber after submitting one complaint with you, they state that I was behind XX/XX/XXXX and therefore needed to pay {$10000.00} to keep my home ( see receipts & statements that I have ). There were many discrepancies at the time for the amount we owed, and that has not been explained ; different amounts are {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on who you talk to or what correspondence you receive and they have not been addressed. Please address concerns and apply additional monies that I am sure I have paid towards my loan to the principal balance. 
Thanks in advance for your help with this matter.
Product: Debt collection

The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of XXXX 
I have two medical bills in the amount of {$890.00} and {$1000.00} that an out of network provider is charging without my prior authorization. 
I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA.
Product: Credit reporting or other personal consumer reports

I PAID THE XXXX XXXX XXXX XXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON XXXX XXXX AND EXPERIAN. I DONT OWE THIS COMPANY ANYTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove personal information from my consumer report that does not belong to me. Experian is willfully and knowingly violating the FCRA.
Product: Credit card or prepaid card

I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. 

I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.
Product: Mortgage

My first bill for local taxes came before XX/XX/year>, and I called RoundPoint mortgage to verify that they had recieved the new bill, and was assured over the phone that it would be taken care of. On XX/XX/XXXX, I recieved a non payment reminder, which I forwarded to RoundPoint Mortgage over email, and recieved an automated reply that they recieved the email. On XX/XX/XXXX, I recieved a late notice, and forwarded that to RoundPoint Mortgage and requested a call back from the company to myself and the tax department. I recieved a call back and was ensured over the phone that it would be paid. On XXXX  XXXX I recieved a third notice from the tax claim bureau that the bill still has not been paid, and forwarded that to RoundPoint over email and recieved both a computer response that it was accepted, and a phone call saying again that they would pay the bill. 

It is currently XX/XX/XXXX and this time I recieved certified letter from the tax bureau saying that the bill is not paid, I forwarding this to them and reporting them to you as well to see if any oversight organization can help me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax for they show a XXXX XXXX XXXX account charged against me and it is not mine. And they investigate and then put it back. It is not me. Never dealt with XXXX XXXX XXXX and have never been to XXXX, Missouri