23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX my fEDERAL REFUND WAS APPLIED TO THE UD=S DEPARTMENT OF EDUCATION XXXX 

FILED A SPOUSAL INJURED AND MY REFUND WAS GIVEN BACK THE SCHOOL XXXX XXXX LOAN IS FROM 25 YEARS. 
I LEFT THE SCHOOL NOT COMPLETING AND THE LOAN WAS APPLIED TO MISCLEANEOUS CHARGES. I NEVER COMPLETED SCHOOL THERE. 

I BECAME XXXX XX/XX/XXXX. 
NEXT MEDICAL REVIEW BY SOCECURITY IS XX/XX/XXXX MEDICAL RE EXAM CYCLE IS 3+ YEARS XX/XX/XXXX AND XX/XX/XXXX SOCIAL SECURITY WROTE THERE WERE NOT GOING TO REVIEW MY CASE. 

CALLED us department AND WAS TOLD MY ACCOUNT DOES NOT EXIST. 
us dEPARTMENT CALLED BACK AND CONFIRMED I HAD NO ACCOUNT WITH THEM. 

I HAVE SENT THE BENEFIT PLANNING QUERY AND IT SAYS DISABLE WORKER. 
2. IT TELLS THE DATE I WAS DIABLED WHICH IS XX/XX/XXXX AND THE NEXT REVIEW CYCLE IS XX/XX/XXXX WHICH 7 YEARS. 

nELNET KEEPS SAYING THEY DID NOT RECEIVE THE BENEFIT QUERY AND AFTER THREE YEARS ARE TRYING TO TAKE MONEY BY TAX LOOPHOLE NELNET HAS IN THE PASSED CALL THE RSIDENCE AND LEFT MEESAGE WITH FAMILY MEMBERS. 
NELNET IS NOW USING AN OUTSIDE COLLECTOR XXXX XXXX AND WHEN I ANSWERED THE PHONE AND TOLD THEM I BEEN THROUGH THIS EXERCISE THEY SAID THEY WILL MOVE THE CASE TO ANOTHER DEPARTMENT AND CONTACT NELNET. 
THEY DONT HAVE THE PAPERWORK TO ANSWER QUESTIONS. 

WHAT DOESNT NELNET GET IAM XXXX FOR LIFE. 
MY SYSMPTOMS WILL NOT GET BETTER OR PROGRESS. 
IF I TAKE MY MEDICATIONS. 

NOW THEY ARE TREATHENING AGAIN TO FORGO MY TAXES WHEN IT IS A SPOUSAL INCOME. SECOND TIME. 

THE LOAN IS NOW AT {$13000.00} OVER BILLED WITH INTEREST RATE. 
THE SCHOOL DID NOT HAVE PROPER MANAGEMENT FOR LOANS. 
REYCYCLE. 
I NEVER USED HALF THE LOAN. LEFT THE SCHOOL.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information I have been disputing via XXXX online for 2 months now & inaccurate information if still being reported to my credit report! I have called in for the last few weeks trying talk to a live customer service representative and I havent had no such luck. Also, having been put on hold for long periods of time. If I do get to a live person they said they have to put us back in QUE!! Lastly, when I call back after a mistakenly called drop on their end I still get the automated system which cant update the accuracy of my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau I hope this message finds you well. I am writing to address a concerning issue that has impacted my credit report. I recently discovered the presence of a derogatory account associated with my XXXX Credit Card, which was erroneously charged off due to fraudulent activities within my online bank account. 

I would like to bring to your attention that the debt in question has already been resolved and settled with the bank in an agreeable negotiated amount. As such, there should be no valid reason for the presence of a derogatory mark on my credit report. 

The circumstances surrounding this incident were beyond my control, and I promptly took the necessary actions to report and resolve the fraudulent activities as soon as they were brought to my attention. I collaborated closely with XXXX 's fraud department and other relevant authorities to rectify the issue. 

In light of the settlement and resolution, I kindly request your assistance in expeditiously removing the derogatory account from my credit report. This unjust mark is adversely affecting my creditworthiness and financial reputation, hindering my ability to access credit on favorable terms. I believe it is in the best interest of all parties involved to rectify this matter promptly and ensure an accurate representation of my credit history. 

Enclosed with this letter are copies of relevant documents supporting the resolution of the debt, including the settlement agreement with XXXX. I urge you to thoroughly review these documents and make the necessary adjustments to my credit report accordingly. 

Please confirm the receipt of this request and the subsequent actions taken to address the matter. I trust in your professionalism and expertise to resolve this issue satisfactorily. 

Thank you for your prompt attention to this matter
Product: Mortgage

I strongly believe Amerihome Mortgage company is committing mortgage fraud and misusing funds in numerous borrowers escrow accounts. This is the second time in XXXX years my mortgage has fluctuated because they misused funds and are holding me account for their mistake. I received a letter in XX/XX/2021 that I was behind in escrow. I called and the mortgage company assured me since its their mistake that they will correct it and I wont be held accountable. I attempted my payment and they never corrected the issue and expect me to pay for the misused funds. I am a XXXX veteran and I dont pay any property taxes and we switched our home insurance and it went down a significant amount so I am not understanding why there is a negative balance and no one can explain it. The customer service representative said we see this kind of thing all the time and if that is the case Amerihome needs examined closely to find why they cant handle funds properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Addresses : XXXX XXXX XXXX AV XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX AccountsXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Comenity Bank a letter because I have an open credit card with them through XXXX XXXX. On XX/XX/XXXX, the company informed me they would place me on to a forgiveness program due to Covid 19 and because I had lost my job. They then informed me I did not have to make a payment until XX/XX/XXXX. Now due to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the time of Covid 's forbearance period.
Product: Credit reporting or other personal consumer reports

I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notice that I owed a agencies that I never had an account with when asked to send me anything that I signed authorizing that my account be sold to them nothing was sent then I noticed on my credit report that I have the same information for a payment from XXXX different people saying I owe on the same account.
Product: Credit card

XXXX XXXX serviced by comenity Bank provided me a XXXX percent promotional rate at the time of purchase. However, no one told me what my payments needed to be or when the promotional rate would expire. In the past their online system would provide a minimum payment of what is required Tobe paid in order to avoid intrest fees. This service had been removed and I believe it to be removed to confuse consumers of how to avoid getting the deferred intrest charge. This act by the financial institution is predatory in nature. Contacted the bank and was informed they will only show minimum payment to avoid late fees and not intrest charged. This makes me believe they are also instructing their employees not to provide this information upfront at the time of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX, XXXX, A, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I purchased the XXXX full monthly Experian membership as suggested to find a way to increase my score. The credit increase simulator tool suggested that I pay down my credit card utilization and I would get an increase of 66 points by doing so. I paid down that utilization to 0 dollars ( XXXX ) in total as instructed through the membership and instead it dropped my score 5 points. 

When I called on XX/XX/2020 I spoke with representative XXXX. Who could not explain why my score would have dropped and only understood my issue and concern. When I asked her who could explain it to me from Experian she suggested I hire a financial advisor as no one in the office is trained to know the answer to my question. When I asked her next what her ID number was in order to contact escalations and inform them of her lack of knowledge she did the Im sorry your phone is breaking up I can not hear you line and disconnected my call. 

I have been having an ongoing issue with Experian falsely and wrongfully decreasing my score and not helping me in understanding why. They falsely advertise that purchasing their membership is geared to help consumers in their process of credit rebuilding but do not help when you call. This is now my second complaint being filed with consumer finance on Experian since XX/XX/2020 and I still have yet to get any answers or return calls from someone more educated in the area. 
XXXX attempted to transfer me to the dispute department but there is nothing I can dispute this is solely an error or Experians end. I do not know what to do next but potentially take this to the news.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through the XXXX data breach and also XXXX XXXX data breach. Attached is a copy of an identity theft report listing all fraudulent inquiries. All fraudulent inquiries are also listed below. It is also against consumer law to report incorrect or fraudulent items on consumer credit reports. 

Transunion fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. 

Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent account.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TRUIST DEALER SERVICES XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, NC XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Phone ( XXXX ) XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as 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.

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I recently owed a debt to an apartment complex that I once stayed In. when I paid the debt trans world systems said I owed an additional {$750.00} that I know nothing about so when I disputed them it showed that I won the dispute but it still brought my score down and I want it removed from my account
Product: Money transfer, virtual currency, or money service

I was the victim of an elder fraud scheme between XXXX, which included one Zelle transaction on XX/XX/XXXX. My first call to Zelle to report this was on XX/XX/XXXX when I initiated a claim of fraud and was told to follow up on XX/XX/XXXX to check the status of my claim. I called on XX/XX/XXXX and was told that they did not have a status yet but that I should follow up with them on XX/XX/XXXX because there would not be any new information before that date, and, if my funds were going to be recovered, that would happen by XX/XX/XXXX. I followed up with Zelle on XX/XX/XXXX as instructed by The Zelle Fraud Hotline Customer Claim representative and was told that my funds were not recovered and that they could not do anything further to help me get my funds returned to me.