23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to the credit reporting company Experian I explained to them that an account that was being reported was incorrect and inaccurate information. I asked that they validate this reported account with a copy of any documentation bearing my signature with the reporting company. in XXXX of XXXX  I received a response stating verified and updated. I then sent a second letter on XX/XX/year> again explaining that the account was inaccurate and incorrect and demanded it be deleted. Letting them know they had not provided me with any documentation bearing my signature and further that the methods of validation ( E-Oscar ) or any automated verification was unacceptable, even reminded them of 15 US code 1692g. Again, they responded with verified and updated. I have tried several attempts for Experian to remove this inaccurate and incorrect account or provide me with a contract bearing my signature to the remained inaccurate and incorrect account and I have not been successful. Therefore, I am now taking action to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing a discount card that my ex-husband has signed and I was a co-signer since XXXX. Equifax had asked me to provide the application of " XXXX XXXX that my Ex- husband has signed, my divorce decree. I sent these item to them on XX/XX/XXXX. I did not receive a feedback from them. I spoke to someone on XX/XX/XXXX at XXXX XXXX I asked for an update, He told me they removed the disputed credit off their systems. ( XXXX & XXXX  had already did the same. ) The agent told me I have no item in collection with Equifax. 

Few days later I checked my Equifax credit, I saw the collection in the report. I called Equifax again on XXXX XXXX at XXXXXXXX XXXX, agent told me the item in collection is still active. I am somewhat discouraged because I feel I m going nowhere because of these Mix messages from different services representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct my personal information on file with your company as i have tried many times without any success so now i will keep a record of your blatant disregard for file and may be used in legal proceedings. 


Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the XXXX. Postal Service and they are not reportable as per F.C.R.A since they are inaccurate they need to be removed immediately.
Product: Credit card or prepaid card

Billing Errors Pursuant to XXXX 15 USC 1666 ( b ) Please see attached documents
Product: Debt collection

XX/XX/XXXX, an amount of {$330.00} appeared as a collection on my credit report. When I looked into it, it originated from XXXX  XXXX XXXX. I had moved out of the XXXX XXXX the previous year, XX/XX/XXXX. I had paid the pro-rated rent for that month plus my security deposit and left with a {$0.00} balance, according to their own records. 

Neither XXXX XXXX nor the Collection Service of Nevada sent any written communication to me prior to putting this amount on my credit. 

I did have an email and telephone communication with a representative of XXXX XXXX in XXXX and XXXX of XXXX, which I believed resolved the matter as again I was provided with a {$0.00} balance invoice. 

In fact, looking at the invoice and accounting for the rent paid for XXXX, it would seem XXXX XXXX owes me money.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called Bridgecrest ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. Bridgecrest has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Product: Consumer Loan

CFPB made a deal with Toyota to give back money to XXXX and XXXX.
Product: Checking or savings account

J.P. Morgan Chase Bank first put a restriction on my Chase checking account then without giving me a legitimate reason they closed it and gave me the lame excuse that " They could no longer maintain my account '' and had the right to close it without notice! This is unacceptable since I had that account for many years since 2004. They explained that it was a " corporate decision. '' I later read online that the reason they might have closed it was to eliminate arbitration and lawsuits from consumers. This is an illegal and unfair practice.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I was informed that I have a 30 day late payment of XXXX XXXX I tried sending emails to lot of people but never got a reply from anyone.
Product: Money transfers

I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back! 
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TRANSUNION : XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I sent copy of my passport, lease agreement, bank statement and Insurance to my car reflecting my address @ XXXX XXXX XXXX # XXXX XXXX CA XXXX with all that a request CONSUMER STATEMENT to read ( Anyone trying to extend credit in my name to call me at ( XXXX ) XXXX ) instead see example 1 out of 3 responses from bureaus OBVIOUSLY THEY RECEIVED MY DOCUMENTS on top of all these lyes and frivolous response 's there sending promotional tools to by to get my reports this is a practice well known in your division CFPB which going pn 10 years allowing these companies to operate like this and one reason TranUnion turned there corporation into a LLC so they can continue to bait the consumer for the mighty dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax ( Gon na Add on the next update )
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my credit report that I didn't authorized or initiated. The inquiries in question shows two on the respective dates XX/XX/2023 and XX/XX/2023. I contacted their offices and I was told to file a a dispute with Equifax which I followed. However, Equifax has refused to delete the inquiries even with FTC Report and all my identification particulars sent to them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I made purchase on the website XXXX and selected PayPal as my payment method. I have several credit cards and one checking account stored with the financial technology company. I have previously selected a credit card as my default method of payment for any transactions ; however, when using the service, the retailer will generally redirect to PayPal to complete the purchase, whereby I am able to ensure the payment method desired is selected. That did not occur through my purchase on XX/XX/21. Instead, PayPal automatically debited my checking account. I contacted PayPal immediately after the purchase was completed ( instead of being routed to the PayPal website upon selection, I was notified that the sale was concluded ) only to be told that " automatic payments '' are permitted with " some '' retailers and that I have to log into my PayPal account and manually search and select different vendors to secure my preferred payment method. Further, authorizing my credit card as my default payment device " [ did ] not [ apply ] to automatic payments. '' I have never before been transparently informed by PayPal of this " automatic payment '' process and am incensed that I DID NOT authorize them to debit my account and have now had to contact my banking institution to ( hopefully ) rectify what is increasingly appearing to be a fraudulent transaction as the seller of the goods through XXXX has not responded to my messages and XXXX is requiring a seven-day waiting period for a cancellation. PayPal, meanwhile, claims no responsibility.
Product: Debt collection

I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment Dispute for XXXX XXXX XXXX Credit Card. My credit report shows a 30 day past due payment on XX/XX/XXXX for this account. Per my Statement attachment, this is incorrect. A payment was due on XX/XX/XXXX and made on XX/XX/XXXX. There was an interruption in the auto-pay which is why there was a few day delay in payment ( not 30 days ) and why the late charge was refunded. 

I also called XXXX customer service on the week of XX/XX/XXXX and confirmed this with a customer service representative as well as an escalations manager. There is no 30 day late payment in their system, all payments are shown as on time.
Product: Checking or savings account

On or about XXXX XXXX I was looking through my bank statement as I was about to pay the last of my rent I owed XXXX and I had a little over XXXX in account. I went to pay my rent and it was declined. Upon further investigation on XXXX  end there was several charges and withdrawals from my account. 95 % was from XXXX XXXX XXXX charges for XXXX  and also XXXX as well as XXXX those was XXXX XXXX charges in a XXXX day period these charges added up to around XXXX I belive and was not authorized by me in any way. I had just been hospitalized a week or XXXX prior from XXXX XXXX and had XXXX and was admitted XXXX different hospitals for XXXX days. Also I am a very XXXX girl and not even able to do those sorts of excersice. I called XXXX whom I have been with over XXXX yes and they gave me run around on every charge. My complaint was denied within XXXX  days and told my money would not be returned
Product: Credit reporting or other personal consumer reports

I am trying to get my credit score and report from XXXX and TRANSUNION but its showing error code " NH '', I can see my other scores but not XXXX, I have been trying to resolve this issue goin on 2 years now and they keep giving me the runaround and ive sent the information they requested multiple times, sensitive information through mail at that. I just want to be able to access my XXXX and TRANSUNION report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Consumer Loan

I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022 Credit Karma said I was pre-approved for multiple credit cards that I was not approved for therefor causing negative impacts to my credit score.
Product: Debt collection

When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # # # # # XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter of XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA