23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2022 Dear XXXX XXXX & Nelnet/Firstmark Executive Management : I am writing as an severely distressed XXXX borrower, after having contacted Firstmark Services and Nelnet with a plight to place my Firstmark held loans in a Natural Disaster Forbearance ( beginning on XX/XX/2022, and through XX/XX/2022 ) for the Nebraska Severe Storms, which affected my employment and was a FEMA Declared Major Disaster on XX/XX/2022. 

After speaking to several supervisors ( including XXXX on XX/XX/2022 ) and being promised assistance with getting this forbearance applied to my loans, as well as several promised follow up calls which never arrived, I phone in and emailed several more times to request direly needed assistance. Firstmark continues to promise senior management follow-up which never arrives via phone, and at this stage your company has caused me severe medical distress and the near need for hospitalization. 

As such, please direct someone in senior management for assistance in placing these loans, as previously promised, into a Natural Disaster Forbearance as related to the detailed effect such issues have had on my employment ( as I explained to several inept representatives, I am unable to provide an exact address due to the nature of my work in landscaping many of my covered areas were affected by said storms ). This matter remains exceedingly emergent at this point, as my loans continue to become part due, threatening my credit and financial status, which is egregiously unacceptable. 

Please note, that while it remains my hope to resolve this matter immediately at this level, should this not be honored, I will be immediately contacting my direct contact with XXXXXXXX XXXX XXXX XXXX, as well as potentially filing Civil Litigation against Firstmark Services for the many false promises, refusal of assistance for a declared disaster, and related medical and emotional distress. 

Thank you kindly in advance for your immediate and urgent attention to this matter, and I look forward to speaking today by end of business to resolve this matter.
Product: Debt collection

I received a letter from United Recovery and responded immediately requesting verification including original signed contract because this is not my debt. I received a stack of papers but nothing with an original signature or any other information on United Recovery proof that this debt is going to the correct person. I sent another request with a very clear description of validation requests and Method of Verification and received the exact same information ... .they did not even change the date on the letter that said " in response to your inquiry here is the information you requested '' ... then just a stack of papers ... some blank! There was no investigation and they have no original contract. I want my information deleted I do n't know who they need to be in contact and it seems they do n't either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted capital one several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Didn't give consent to any organization or financial institution XXXX credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.
Product: Debt collection

To whom is may concern ; Company AUTOVEST contacted me to attempt to collection on an allege debt I have no clue of! and violated several consumer rights laws here 's a few listed below : 15 USC 1692a ( 6 ) ( A-C ) 15 USC 1613 18 USC 1341 18 USC 1701 Rule 10b-5 15 USC 1666b 15 USC 1666d
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX  to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX XXXX XXXXL Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquiredon XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, i sent a merchant ( XXXX XXXX ) {$65.00} on cash app for goods that he would deliver to my place. after a few messages, he says he would refund because i asked for the refund. he complied and said he would send it. waited for 2-3 days until he blocks me and never refunded my money. ive contacted my bank and Cash App about the situation but they didnt do anything to solve the issue. they also told me to contact the person to refund me but, again, they blocked me so i can not contact them at all.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX ET I received a text message Fraud Alert from XXXX XXXX ( Barclays ) informing me that a charge for {$1600.00} at XXXX XXXX XXXX was approved on my account and prompted me to verify if this charge was valid or fraud. I immediately contacted XXXX and informed them that I had not made the charge and requested that they also close the credit card account. On XX/XX/2020 a letter was issued to me from Barclays informing me that " the account has been closed due to suspicious activity and is pending an investigation. '' On XX/XX/2020 a letter was issued to me informing me that " this letter confirms that the fraud investigation has been completed ... After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. '' On XX/XX/2020 a letter was issued to me informing me that " Our research has indicated that the transaction ( s ) is valid. The transaction ( s ) has therefore been placed back on your account. '' After receiving this letter on XX/XX/2020, I immediately called the number provided for the Fraud Investigation department ( XXXX ) and spoke to XXXX ID # XXXX She informed me that their investigation showed that the vendor was able to prove that the charge was credible, but would not tell me what exactly that meant. She went as far as to suggest that I just didn't remember making the charge. I requested to speak to a supervisor and was told by her that she would put in a request to have someone call within the next 7 to 10 days. I tried calling another phone number for Barclays customer service and was routed back to speak with the same person XXXX XXXX XXXX in the Fraud Investigation department.
Product: Payday loan, title loan, personal loan, or advance loan

Good afternoon, On XX/XX/XXXX, I took out an {$800.00} loan with XXXX. I am currently struggling with payday loans of less than {$1000.00} and have to take out new loans just to cover existing ones and afford necessities like housing, food, and my car. 

Even though I specified that I get paid twice a month, XXXX  is withdrawing {$150.00} every 15 days. As a result, the funds are often unavailable in my account when they attempt the ACH withdrawal, as these dates do not align with my pay schedule. 

When I called to request a change to bi-monthly payments, I was informed that the payoff amount increased from {$800.00} to {$1800.00} due to XXXXXXXX XXXX XXXX interest rate. Given my current financial hardship, I find it unfair that I would have to pay {$1000.00} in interest for an {$800.00} loanand thats only if I manage to pay the full balance on the XXXX. If not, the XXXX XXXX interest will continue accruing, further increasing the payoff amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time.

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I received my annual credit report and in result of identity theft someone has stolen my identity due to a stolen wallet. the account the is reporting incorrectly is NATIONAL CREDIT SYSTEMS in the amount of {$1900.00} account number XXXX opened XX/XX/XXXX. This however was not made by me and I need this removed ASAP! THERE is also incorrect address linked to my credit report XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Texas XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. 

By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. 

I demand the immediate deletion of the aforementioned charged-off account from my credit report. Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. 

I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. 

Thank you for your prompt attention to this matter. 
Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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

XXXX and Transunion are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported/posted fraudulent inquiry on XXXX from XXXX XXXX XXXX Equifax reported/posted fraudulent inquiry on XXXX from XXXX XXXX XXXX XXXX  XXXX reported/posted fraudulent inquiry on XXXX from XXXX
Product: Money transfer, virtual currency, or money service

I disputed numerous outrages charges and nothing happened
Product: Credit card or prepaid card

XXXX XXXX, 2017 I have received the letter from BOA which told me they closed my account due to 1. the account has been inactive 2. Derogatory public record or collection filed First, I tried to get credit report and score from XXXX XXXX. I even spent about 30 dollars to get credit score. The credit report was fine which had been reviewed by my accountant friend. And my score was above XXXX which I believe it 's excellent score. I admit I did n't use that card. But when I called back BOA, they tried to look at my credit, and still only got around XXXX score, which I did n't know why BOA saw different score as me. Does it mean " XXXX XXXX '' not reliable? The account still had around 120 dollars cash reward in there and I could n't get it back due to the account had been closed. I do n't care they closed my account, but I need my cash reward back.
Product: Checking or savings account

Hi, I have a debit/checking account with Discover Bank XXXX I received a fraud notification from them via email Friday ( XX/XX/XXXX ) evening and they advised me my account was frozen and I need to contact them at XXXX. I immediately tried to view my account on the mobile app and also my web browser but the account is not displayed and I simply see a warning to call them. I promptly called the XXXX # and it said there was a higher than expected call volume and the hold time was 3 hours. I waited on hold for a bit and was disconnected. I tried back first thing Saturday ( XX/XX/XXXX ) morning and I was routed to another department that couldn't assist because I needed to talk to security and they open in 45 minutes. I promptly called back at the 45 minute mark ( XXXX XXXX  CST ) and I received the same " greater than 3 hour wait '' message. I tried back half a dozen times during the day on XX/XX/XXXX and received the same message. I also tried the regular customer service line because a " greater than 3 hour wait '' seems quite ridiculous. They told me there is no other choice but to wait " greater than 3 hours ''. I tried again this morning promptly at XXXX XXXX  and again " greater then 3 hours '' wait was given. 

My account is frozen and I am unable to access my funds, I have called numerous times and waited a few times only to be disconnected. I have also spoken to regular customer service and they refuse to assist me in accessing my account. I do not know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XX/XX/XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, XXXX  and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX