23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to the credit bureaus on XX/XX/XXXX Along with a FTC report as I was a victim of identity theft. The credit bureaus Experian, XXXX, and XXXX have ignored my complaints, I have sent another set of letters regarding the hard inquiries on my credit report that do not belong to me but nothing has been done to fix the issue. I will list the hard inquiries that I requested to be removed that are still on there as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2002 IC SYSTEMS INC : RE : Account # XXXX To Whom It May Concern : This letter is being sent to you due to your erroneous reporting to the Credit Bureau ( s ) causing a highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at most 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. 
Equifax : All inquiries from XX/XX/year> to XXXX XXXX I do not recognize and I want them removed. 
Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL, XXXX.
Product: Checking or savings account

A Legal order has been tajen out on my account for {$9500.00} And they have beeen taking all my benefits towards this i havnt paid my bills since XX/XX/XXXX now its all paid of and they are still taking all my money even though the legal order is now fully paid of
Product: Credit reporting or other personal consumer reports

Adatonally, te FCRA mandates that creait reporung agencies maintain accurate '' information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the account each month creates an inaccurate and misteading credit repon, which negatively impacts my credit score Moreover, the statute of limitations for reporting a account is seven years from the date of the first delinquency leading to the collection /charge off ( 15 U.S.C . 1681c ( aX4 ) ). Reporting this collection/charge off multiple times does not extend this statute and is therefore improper. Failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law, including formal legal proceedings to recover damages for this violation. Remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I submitted disputes to TransUnion about a fraudulent credit account on my credit report and submitted documentation of this account being removed from other bureaus reports, the credit companys letter stating they were removing it, my FTC and law enforcement reports. TransUnion has not yet removed this.
Product: Debt collection

Wrote to collections showing copy of XXXX XXXX returning electronically XXXX $ to XXXX XXXX, due to a fraud on my account. XXXX XXXX XXXX, XXXX XXXX XXXX $ and finally XXXX  XXXX  XXXX XXXX These XXXX  accounts were scammed electronically and at the time of paying XXXX XXXX my balance was XXXX XXXX They kept saying they didnt receive v that money, hmmm everyone else did. They charged late payment which it was on time, and constant this charge that charge now its up to XXXX $ XXXX? The collection agency wouldnt get them to acknowledge they received that money
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are unauthorized And I contacted the credit BUREAU EQUIFAX IN REGARDS TO THESE ITEMS XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nelnet has re-aged XXXX old accounts and is reporting XXXX obsolete delinquent tradelines on my XXXX credit report. I have not made a payment on either of these accounts since XX/XX/XXXX. Both debts were forgiven and paid in full by the federal government on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only be reported on a credit report for seven years after the date of the first delinquency. The federal government forgave and paid these debts without my prior knowledge, request, or any such submitted application. I unexpectedly received a letter informing me of this on XX/XX/XXXX. The final payment made on XX/XX/XXXX for {$290000.00} was not by me. It is a violation of federal law under the FCRA 623 ( a ) ( 5 ) ( A ) for Nelnet to re-age these accounts and for XXXX to continue reporting them. Re-aging is when a creditor changes the date of the last payment on a debt to a more recent date than is accurate. I did not request, initiate, or cause the last activity of the final payoff. I requested a copy of my original federal student loan consolidation contract on XX/XX/XXXX and only received the attached automated response and no follow-up in over 4 months.
Product: Debt collection

Hello. My name is XXXX XXXX XXXX. I am a United States citizen for a very long time.. but last year of XXXX, I had to take out a Loan from a company called LoanAtLast, based in Wisconsin. Everything was very well transacted and legit. Months went by and I did not repay them and so the total balance reached a total of {$650.00}. When the pandemic hit in Early XXXX, I was not able to repay it because I was laid off from work at the time. So I kept getting calls from the company until one day, I received a very suspicious email saying I will be sued by this company and a so called attorney represented himself from that fraud email as he was using my personal information from the company LoanAtLast to represent himself and seek that compensation for my loan. Finally, I called the company and they told me that there is no such thing as an attorney ever contacting me ever and that they will never sue me BECAUSE of the pandemic and the global issues ... the " attorney '' wanted my debit card information, but when I called Loan At Last, they have already transferred my debt into a collection agency ... called XXXX. I have made my first payment to that company so I can start clearing the debt, but the attorney is representing a whole different amount owed which is obviously a scam ... 

My email : XXXX Scam email : XXXX I have contacted the original company which is LOAN AT LAST He ( the mysterious attorney needs to be investigated for fraud and scam ) needs to be seen and caught as he is asking me for personal info regarding a loan I have using my info and the company 's info! 

When the scam attorney " XXXX XXXX '' charged my card the first time, it came up as XXXX, XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX GA Maybe this is the person and his phone number RELATED TO THE SCAM! Please adress this accordingly and make him pay for what he is doing to many others! he is using the Covid-19 pandemic to his advantage. Thank you! 

Contact me for further details please : XXXX I want to help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Product: Money transfer, virtual currency, or money service

I went to move my XXXX cryptocurrency from coinbase to another account. And got a message saying my account was locked until XX/XX/year>. 

They will allow me to cash out my cryptocurrency for USD and move my money back to the bank, but they will not allow me to move my cryptocurrency, exchange or buy more. 

I have been on the phone with them several times. And keep getting the same message that it is being reviewed. That was over 4 days ago and I still have had no response from them.
Product: Checking or savings account

CFPB shows my original complaint XXXX as closed and resolved. The problem that I am having with Webster Bank Bill has not been resolved and has been ongoing since XX/XX/23. 

Please show complaint XXXX as not resolved in your database.
Product: Vehicle loan or lease

On my credit report for US Bank for a lease that I had, it is stating that I have 3 late  payments. One in XX/XX/2018, XX/XX/2018, & XX/XX/2018. There is an inconsistency for this seeing as I paid my car payments for these months and it is reporting late and ruining my credit score. The car loan ended up being paid off in full and the creditor ( US Bank ) even sent me a check for an over payment that I made. I am requesting that the late payments to be removed and the account put in good standing seeing as the account is closed, but the late payments are still on my credit report.
Product: Debt collection

I contacted XXXXXXXX XXXX XXXX  company to close the account in XX/XX/year> to close the account. My sister who is a XXXX  passed in another state and I was responsible for her burial arrangements which included transporting her body to Maryland. I was told I could not close the account. The bill is inflated to XXXX, and Jefferson Capital Systems LLC has contacted me through email. I have never done business with them and do not owe this inflated amount. I can not afford to have this added to my credit report and would like assistance handling this.
Product: Credit reporting or other personal consumer reports

It is illegal to report transaction history, as per 15 USC 1681a.
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  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$940.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX Balance : {$140.00} Account Name : XXXX : Account Number : XXXX : Balance : {$670.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2800.00} Account Name XXXX XXXX XXXX XXXX : Account NumberXXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$290.00} Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$880.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently requested debt validation from all three major credit bureaus regarding an auto loan with XXXX. After reviewing, XXXX and XXXX removed the account because XXXX  found the information to be in XXXX, incomplete or unverifiable. I have relayed this information to Equifax and provided them proof of the investigation results from XXXX and XXXX showing that the account has been deleted, but they refuse to follow protocol. Under the FCRA XXXX XXXX XXXX XXXX XXXX XXXX credit bureau defines information to be in accurate they must share that information with all major credit bureaus as well. 

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

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Enhanced Recovery is reporting I owe a debt of {$490.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Product: Debt collection

I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. 

I have been a victim of identity thief. I have requested certain documents from said company as outlined in the attached document. I have also attached my identity thief report filed with the police from XX/XX/2019. Please remove these enormous inquiries from my credit reports. My FCRA rights are being violated.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and Im using my XXXX XXXXXXXX credit card and paying it off way before the due date and yet my credit score still hasnt increased. My XXXX XXXXXXXX XXXX XXXX monitoring has revealed that my personal information is on the dark web please check uploaded document. 

Why isnt the credit bureaus doing their job. Why hard working Americans are suffering at the hand crooks and we are the ones being penalized for it.
Product: Credit reporting or other personal consumer reports

FCRA section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of recieving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX from XXXX XXXX California, sold my car online for {$3500.00}. A man named XXXX XXXX texted me via his phone number XXXX and agreed to buy it with a cashiers check. 

- On XX/XX/2021 I received a Cashier Check of {$5800.00} and I deposit the Cashier Check to my Chase account on the same day. 
Cashier 's Check info : + From XXXXXXXX XXXX  XXXX, Branch XXXX + Payable through XXXX XXXX. XXXX, XXXX + Check # XXXX - Date : XX/XX/2021 - On XX/XX/2021 XXXX politely asked me to send {$2200.00} extra money ( from his cashier check ) to his mover account to pay for transferring the car to his daughter in WA state. 
The receiver info with XXXX XXXX Bank : + Name : XXXX XXXX + Routing # XXXX + Acct # XXXX - I did agree to send {$2200.00} to the mover 's XXXX XXXX account from a local XXXX XXXX XXXX ( in XXXX XXXX, XXXX XXXX ). It was because I believed the amount of {$5800.00} from the Cashier Check I received was cleared by Chase Bank and was present in my Chase account at that time. 

- On XX/XX/2021 XXXX called me again and told me his wife was not happy with the car and ask for a refund. At that time I was very suspicious about XXXX XXXX behavior. It could be a scam. 

- On XX/XX/2021 I went to Chase Bank to ask them to verify if the cashier check I received was really authentic. A Chase Bank staff name XXXX XXXX then gave me a phone number to call for verification. I called the provided phone number and was told immediately they did not recognize the cashier check number I received from XXXX. At that time I knew for sure I was a victim of a scam. 

- On XX/XX/2021 I went to both XXXX XXXX and Chase banks and asked for help on the issue. XXXX XXXXXXXX XXXX staff and XXXX XXXX from Chase bank told me nothing they could do from bank side to help me with the issue at that time and they told me to call to report a fraud myself.
Product: Student loan

I 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.