23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian, XXXX, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

They. Stop Me from fixing My credit bureau reports on online so can't solves my credit bureaus reports on online on my XXXX XXXX app inline on my telephone & i need XXXX XXXX XXXX account off My credit bureau reports so & I need XXXX  XXXX credit card off My credit bureau reports for good never put it on mycredit bureaus reports again & any things else that is badly credit account on my credit bureaus reports anything else that Will stop Me from getting a place to live because I need My back ground record fixes to get everything off My back ground record
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Statement of Identity Theft : I, XXXX XXXX, declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. MOHELA/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX / XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXXXXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX XXXX Opened on XX/XX/XXXX, {$1300.00} charge-off XXXXXXXX XXXX Opened on XX/XX/XXXX, {$1100.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$400.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX Date : XX/XX/XXXX
Product: Student loan

In XXXX and XX/XX/XXXX I advised Nelnet that several of the loans are showing as open and should show closed/paid. On XX/XX/XXXX XXXX and her supervisor, XXXX, advised that they correct ALL of my accounts to show paid/closed as of XX/XX/XXXX. I waited 45 days and have checked my credit reports and all of my credit reports show two accounts as open and that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX 's credit card in XXXX, 2020 and in XXXX, 2020 I paid the credit card off in full. In XX/XX/2020 I was sent a refund for overpaying my account. In XXXX, 2020 XXXX 's charged my account ( which had been closed since XXXX XXXX {$11.00} and did not notify me at all. As a complete refund for the overage was sent to me in XXXX and the account was closed I still am not sure what the {$11.00} is for but in XX/XX/2020 they reported me 30 days late to the credit agency for the {$11.00} that they still had not notified me was due. I have an excellent payment history with this company and I have tried several times to call them but I get transferred or hung up on or told that they can not remove the 30 day late payment and another company reports for them. I asked to speak to that company and after being disconnected 3 times and having to call back and explain all of this over again to XXXX 's I finally get transferred and was told that it would be removed immediately. Then I receive a letter from XXXX XXXX saying that they can not remove it because the payment was late. Nothing about how the payment even placed in the first place or that I was not notified at all that something was put on my credit card that was closed and had been closed for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX XXXX # XXXX Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Iowa Student Liquidity Corporation has filed a lawsuit against myself for monies that I do not legally owe them. They are charging me both capped and uncapped interest on two loans that they say I still owe them for. These loans originated in XXXX and XXXX. They were required to put these loans into forbearance until XXXX when I was officially finished attending XXXX XXXX. I went back to school in XXXX but doubt these were put into deferment then. This company also refused to the loans into forbearance during the XXXX years of XXXX that the federal government required that all students loans be put into deferment stating that they were " not a federal entity and did not need to comply by the rules. I have been XXXX for that last XXXX years and the company knows this and has not put the loans back into any type of deferrrment. 
More importantly here were the first XXXX points made at the beginning of this complaint. 
This company has been charging both capped and uncapped interest on these remaining two loans that that I have through them ( I had paid off 4 previous loans to them already and were they utilizing these same practices during those times ) and also charging me additional principal to at least the two loans they are naming in the lawsuit they have filed against me, a practice that is not even legal. Again to how many other loans that I took out with them and had paid off did they do this to. I will provide actual copies of the proof of this where I am able to attach the documents as I have been unsuccessful at being able to copy and paste this informarionn over to this box.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear Equifax Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries.

2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws.

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

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

Hi! 

I applied for a new apartment building in XXXX, MD. They told me my application was denied due to something in XX/XX/2013. I ran a credit report that stated I have no " No fraud indicator on file XXXX Records Found '' However, this is the message I received from the landlord. I would like to be provided with additional information from XX/XX/2013 on what is showing on my account? I have never been denied in my life? 

-XXXX Hello XXXX , I am sorry that it has taken me so ling to get back with you. I have been working on the outcome of your application. 
Everything was good except the credit Reports. It has something on it from XX/XX/2013, I don't know if you can reach out to the Credit Company Equifax XXXX to get this removed off your report. 
Please let me know your thoughts on this and let me know what you would like to do. 
I am sorry that I have to request that you try to get this taken off your report so that we can re-run your credit report. 

Sincerely, XXXX
Product: Debt collection

The Complaint that I have is with CONVERGENT OUTSOURCING, INC.. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CONVERGENT OUTSOURCING , INC . I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Product: Checking or savings account

I am filing this complaint regarding Chase Banks recent decision to close my account without providing any specific reason. After reaching out to Chase Bank multiple times, I have only received vague responses, and they have failed to explain the exact reason for their action. Furthermore, my attempts to open a new account have also been denied without any clear justification. 

My account was in good standing prior to its closure, and I am confused as to why these actions have been taken without any proper communication.
Product: Student loan

In XXXX of XXXX, I requested a student loan refund ( approximately {$8000.00} ) from my loan servicer Nelnet. The Department of US Treasury issued my check from XXXX XXXX Missouri to my permanent address on XX/XX/XXXX. After a few weeks of not having received my check, I reached out to Nelnet to inquire and they said to continue waiting. Nelnet eventually said that they would cancel the check and issue me a new one. However, after several months of waiting, in XXXX of XXXX I was informed that the check had already been fraudulently cashed. Nelnet advised me to file a police report to initiate the investigation so that they can proceed with issuing a new check for me. Nelnet sent me the image of the cashed check in XXXX of XXXX and I immediately filed the report in XXXX of XXXX. In XXXX of XXXX I received a call from Nelnet that they had processed all necessary documents to the Department of Treasury. On XX/XX/XXXX, I received a call from Nelnet alleging that because it had been more than a year since the check had been cashed, I am not entitled to a fraud package to receive my money back. I have been in contact with the Nelnet escalation team over the last month and today XX/XX/XXXX I was informed that they are not able to provide a solution for me and that my refund check will not be reissued. 

Nelnet never informed me about this deadline for submitting a fraud package and the speed at which every step of the process has been handled by Nelnet is inexcusably slow. Nelnet is liable for this negligent delay as I have had no way of expediting this process. During the past 1.5 years, I have called Nelnet many times and waited for many hours on hold trying to push my case forward to no avail. If Nelnet was aware of this deadline, I can not understand why the information would not have been processed with more urgency. I would like to escalate this matter and expect Nelnet to identify a solution for me to receive my money back.
Product: Mortgage

Purchased a new custom built home on XX/XX/19. The mortgage agreement had to include a holdback, in escrow, for several landscape related items that were outline in the Purchase and Sale, but not done by the time of the sale closing. After several attempts we did not accept that these items were completed and requested that the Mortgage lender, Bank of America, not release the funds and to use them to correct the issue. After a year + of dealing with Bank of America, the issues were never corrected using the escrow funds. The funds were also not returned to us. 

Bank of America 's advice was to get a lawyer, but a ) can not explain how we are actually have any legal standing with this as the escrow agreement appears to be between the Mortgage Lender and Seller. b ) decided, without our approval, to say that the items are close enough and that the Seller may have the funds. 

I have had numerous discussions with Bank of America and their subsidiary, Merrill Lynch and just feel like I am getting the same canned answers and brushed off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I was denied housing on XX/XX/2023, based on an erroneous report from this company. According to the renter, I owe money to XXXX XXXXXXXX XXXX XXXX. I received most of my deposit back from this rental. I have no public records from any agency, yet this company states its information was reported by XXXX which it wasnt!
Product: Checking or savings account

I had multiple Bank of America fees on my account during the pandemic, and also disputed XXXX transactions of possible refund and never got a notification, verify the responsibilities of the consumer of sending money until later on.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and the following accounts are in violation of The Fair Credit Reporting act. I am asking that these inaccuracies be deleted from my reports and updated Immediately. These accounts are not properly validated, and the information is incorrect. Please delete these accounts, I ask when they are deleted that an updated copy of my credit report be mailed to me thank you. 

Account 1 ) XXXX XXXX XXXX Acct 2 ) XXXX XXXX XXXX Acct 3 ) XXXX XXXX XXXX XXXX Acct 4 ) XXXX XXXX XXXX XXXX XXXX XXXX Acct 5 ) XXXX XXXX XXXX Acct 6 ) XXXX XXXX XXXX Acct 7 ) XXXX XXXX XXXX XXXX Acct 8 ) XXXX XXXX XXXX XXXX Acct 9 ) XXXX XXXX
Product: Credit card

My email has been compromised and they have used my email address to open a capital one credit card in my name and email
Product: Credit card or prepaid card

On XX/XX/2020, I received an email from my checking account bank indicating that my account overdrafted by {$840.00}. I saw that Bank of America took out {$9.00}, XXXX. I called Bank of America on XX/XX/2020 and asked why there was an over payment of this amount. I was told that I accidentally set up an automatic payment on my due date of XX/XX/XXXX of my previous account balance. On XX/XX/XXXX, I requested that the over payment be sent back to my checking account. On Monday, XX/XX/XXXX, I called again to see what was going on with my refund. I was told that the request was not in the system until XX/XX/XXXX and would take 5-7 business days to process. I called again on Monday, XX/XX/XXXX to get an update and was told that because of the amount being refunded the transaction needed to be approved by the fraud department. I called again later that week and was informed that the fraud department approved the refund on XX/XX/XXXX. I was told it would take another 5-7 business days before the refund would process back to my checking account. I called approximately 5 times after XX/XX/XXXX to check in on why my refund was not yet posted in my account. I asked to speak to a manager on several occasions and was told " someone will call you back. '' I never received a call in return. I also began noticing every time I called, I would be disconnected or the call would fail. It got to the point that I would call 5-7x in a row and be disconnected at different stages during the call. On Monday, XX/XX/XXXX I called again and spoke with XXXX XXXX at Bank of America. She confirmed that the refund was approved on XX/XX/XXXX, but there was no activity on the account to process the refund since then. Ms. XXXX assisted me with submitting a complaint # XXXX to Bank of America and told me that a manager would call me back to follow up on processing the refund. I never received a phone call back. On Wednesday, XX/XX/XXXX, I called again and was told by a different associate that the refund was still being " looked at '' and it was never approved on XX/XX/XXXX, and that he " was sorry for whoever misinformed me. '' I asked to speak to a manager and the called failed yet again. I called from a different phone number and I was able to finally speak to a service member named XXXX in Florida. I asked if she could point to me a BOA policy that explains the refund process and she was unable to find it on BOA 's website. She was also unable to provide me with any kind of written documentation either confirming the refund or explaining the process. I was finally able to get a clear answer that because the refund is over {$7500.00}, it could take an additional 7-10 business day to refund on top of the usual 7-10 business days. I was told that I should expect my refund by XX/XX/XXXX the latest.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXX of XXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).
Product: Credit card or prepaid card

I received a notice in my last ( XX/XX/2022 ) statement that my interest rate was being increased by 6 % effective with all purchases after XX/XX/2022, due to my credit score. I checked my score on their site and it was XXXX or " good '' and has not changed significantly up or down in the past few months. I have never missed a payment on this card or any other account, for that matter. This action, in my opinion, is UNFAIR and ABUSIVE under UDAAP standards.