23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans from Nelnet for The XXXX XXXX XXXX XXXX XXXX  XXXX, VA are to be fully discharged due to the fact that this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off students loans.

Therefore, and with that being said, Nelnet has yet to fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has change my FICO Score 3 times this month! My FICO Score went up to XXXX and by the end of that week, Experian drop my FICO Score by XXXX  points to XXXX. My FICO lost XXXX points for no reason. Experian Credit Beau needs to be investigated! Experian have been trying to keep my FICO Score up XXXX! How could a score drop XXXX points without any negative activity! All my accounts are in Great standard! It seem like Experian is keeping my FICO Score under XXXX for financial gain!
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX  Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XXXX data breach and may have gone into the wrong hands.
Product: Checking or savings account

Whenever I use my debit card at atm machines at a convenience/grocery store the only information my statements and the banks app shows me is the city/state, the actual name of the store isnt listed except on XXXX stores. The majority of my withdrawals are done at store atms because I live in a rural area and these are closer than going to my bank. For example these are from my statements XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assuming the alphanumeric portion is the ATMs ID and dont understand why my bank cant tell me exactly where the atm is located or better yet list those as they list XXXX other ones on my statement including address and store name and then I would not be writing this complaint. Thank you respectfully signed XXXX XXXX XXXX
Product: Credit card

I was the Chase card customer. My card was fraudulent used XXXX, Chase refused to remove those fraudulent charges off my account and hold me responsible for those charges. 
Chase should respect there 's pledge and should investigate and remove those charges from my account. 
I have sent Chase my travel documentation indicate that I was not in the country during those charges. 
I was pick pocket and only copy of my passport was stolen not my original passport which show that I was not in XXXX during those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

State collection services from XXXX Wisconsin took longer than 30 days after I disputed a medical debt. I was on state aid and the hospital never applied the state aid because I was laid off. I have the dates of this taking longer than 30 days when I disputed it and it is approaching the statue of limitations to be off my credit report. I have suffered long enough with XXXX from what happened and this triggers it constantly. Its debilitating knowing that the hospital was negligent not applying financial aid and I am not able to get get a car or home to live it's sad.
Product: Debt collection

I see that on my credit report I have a collection accout for {$1800.00} for GE Money Bank in which I dont owe a debt to a GE money bank I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name GE money Bank
Product: Credit reporting or other personal consumer reports

I reviewed my customer reports and noticed that I have two late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX XXXX. I ask that you please review and investigate this matter and provide documentation with proof of statement showing that these payments were late. If proof cant be provided I demand these payments to be updated to paid as agreed on time as they should reflect due to the fact I was never late. Thank you in advance, please see supporting details attached.
Product: Credit card

My son is an authorized user on my credit card. XXXX XXXX and XXXX XXXX rental employee have spoken on XX/XX/XXXX. My told both parties that he was recording call. They both said they were ok with call being recorded. XXXX explained to XXXX Credit Card employee and stated that my son doesnt have balance due and that incorrect amount that XXXX was charging on behalf of XXXX is incorrect. They also stated that my son whos paralyzed in wheelchair doesnt owe any money. So XXXX employee agreed to resolve it and let XXXX know that balance needs to be removed from my account. They have damaged my XXXX XXXX and my son XXXX. XXXX XXXX reports has made both me and my son XXXX XXXX dropped over XXXX points. So these XXXX issues needs to be corrected and fix by XXXX Credit Card company. We also will seek legal actions with clerks of court with complaint if this issue isnt handled correctly by XXXX Credit Card company. So we ask that XXXX reply with address to send certified mail of complaint and lawsuit to them if this matter isnt resolved in a month. Please provide address lawyer can send complaint because we want to have this complaint ready if this matter isnt handled in XXXX  days. Resolution for this problem is for XXXX to remove incorrect balances and fraudulent charges for fees and interest on incorrect matter. My son whos in wheelchair have a rental car through XXXX thats been in his possession for XXXX weeks. XXXX will not rent to my son or anyone if we had owe them money. So I want this issue resolved immediately. XXXX please do the right thing and remove fees and balance. Our cards should be at XXXX balance owed. We also want XXXX XXXX remarks fix as well. We need both points back on our XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in letter with police report stating that i had inquires on my report that was Fraudulent and asked Trans Union to remove them. Trans union has come back with a lie to say they are my inquires and i have reached out to all of the inquiry on my report and they all stated if i couldn't talk or write or talk on phone nor used a computer that the inquires was Fraudulent. So, I ask Trans union to remove them asap i have had XXXX as well XXXX removed them with no feedback. I know that credit agency gets paid for reporting things on report but at least report the correct things NOT Fraudulent. Attached is a letter stating that it ws Fraudulent and i need removed. If have to i will get another letter police report to state every inquires that's Fraudulent be remove. Please Remove these in 10 days of receiving this from CFPB or I'll get another Police report as will call each inquiry and submit a police report with them and File a Lawsuit for damages from the length of time i have asked to have removed from my report. Police Report attached letter as well stating i didn't do it. It's sad when an Inquiry knows it wasn't me that was trying to get credit but it's on my report. This is my Finally time requesting the removal of inquires off my report with the next step is LAWSUIT. As letter states they was going to reach out to Trans union to have removed but of course Trans Union has failed to remove because they report FRAUDULENT things just to get paid from their clients which is against the FCRA rules. So please remove all these inquires in 10 days of this letter or a certified letter from my Attorney will be sent asking to have removed with a New POLICE report and LAWSUIT for reporting incorrect information FRAUDULENT XXXX XXXX XXXX  XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is to file a complaint regarding a fraud with Chase QuickPay  where I lost {$850.00} on XX/XX/2020. 

For more than a year, I have been sending money from my Chase checking account to my daughter 's Chase checking account via Chase QuickPay Service on the Chase.com website. My daughter has been using her personal mobile phone number to register with Chase Quickpay. On XX/XX/XXXX I scheduled a recurring transaction to pay {$850.00} every month to my daughter via Chase Quickpay on Chase.com. The first transaction was scheduled to happen on XX/XX/XXXX. My daughter did not receive the money. When we followed up on XX/XX/XXXX, we learned that someone de-registered my daughter 's phone number from her Chase Quickpay on XX/XX/XXXX and linked it with a XXXX XXXX  checking account. So the money apparently went into the XXXX XXXX  checking account. This is either a mistake by Chase Quickpay ( service provided by XXXX ) or it is a fraud. My daughter did not authorize de-registering her phone number from Chase account and linking it with another account. My daughter does not have an account with XXXX XXXX  either. On XX/XX/XXXX, my daughter had possession of her phone for the whole day and no one else had access to her phone on the day. 

We promptly registered a claim with Chase ( claim # XXXX XXXX, but chase  declined to investigate the fraud and closed the case saying XXXX told them that the transaction happened as scheduled. But it was evident that the transaction did not happen as scheduled and my daughter did not receive the money. 

Upon escalating further, the case was re-opened three times, but every time Chase closed the case blaming XXXX for the error. Chase asked me to follow up with XXXX to get my money back. Chase representative gave me a XXXX claim number XXXX that Chase opened with XXXX through their back office. 

XXXX declined to register a claim for this or to follow up on the issue saying that I am not a XXXX customer and I need to work with Chase to resolve this. 

Both Chase and XXXX declined to own this issue and I was basically told that I lost the money and they can not do anything further on this. 

I registered a police complaint to further investigate this fraud ( case # XXXX XXXX, IL ) and the police detective suggested raising a complaint on CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents which indicate the items that need to be removed. Thank you.
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 Experian 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 XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts and public records in question are as follows : XXXX XXXX XXXX Bankruptcy Account XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Account XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXXXXXX XXXX acct XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ref. XXXX, XXXX XXXX Bank acct 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 an account without my written instructions.
Product: Credit card or prepaid card

PayPal has told me that I have a revolving line of credit with them and have been taking {$200.00} from my checking account each month. PayPal has blocked my access to their account portal preventing me from early payoff, terms and conditions, APR, etc. They have refused to tell me what charges have been made and have made it nearly impossible to access anyone there via phone or support. I cant change the amount I pay them each month, see any statements, or access anything from them.
Product: Credit reporting or other personal consumer reports

Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and XXXX to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.
Product: Checking or savings account

In 2019 I have my account with Wells Fargo, they took more than {$1700.00} without authorization and when I dispute thats transactions I never received my money back.
Product: Mortgage

I had completed a Modification in XX/XX/XXXX with my former loan service, XXXX XXXX. My payment was modified from XXXX to XXXX and the past due balance was re-amortized. In addition, XXXX XXXX   changed my payoff date to XX/XX/XXXX of XXXX. When my loan was transferred to Specialized Loan Servicing on XX/XX/XXXX, they did not honor my previous loan modification with XXXX XXXX and reported my loan as past due. When I tried to make my payment with Specialized Loan Servicing in XXXX I was not permitted to do so because my loan was delinquent. 

In XXXX of XXXX I contact Specialized Loan Serving to dispute the delinquency on my account, and to honor my loan modification. Since my dispute I have not been able to get a clear answer from Specialized Loan Servicing. I finally applied for another loan modification in XX/XX/XXXX, and was denied for that modification on XX/XX/XXXX because my loan did not " meet delinquency requirements. '' I have since submitted another Qualified Written Request to Specialized Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to delete these 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 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 a certified letter was sent to all three major credit reporting agencies advising as a result of my viewing my credit report, several erroneous information was found to include my name, addresses I never resided at and phone numbers that did not belong to me. I provided each with my correct information an asked that any other inaccurate information be removed or updated. I provided two forms of verifiable information with the correct date of birth, address as well as my phone number. XX/XX/2022 at approximate XXXX XXXX eastern standard time. I spoke with two Experian agents. They advised, there was nothing they could do for me that i will have to contact the reporting companies were reporting the wrong information. 
545a_fair-credit-reporting-act-0918.