23daVinci/CFPB_Complaints huggingface dataset:
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Subject : Complaint Against Nelnet for Failure to Address Dispute and Damage to Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Nelnet for failing to properly address my dispute regarding late payments on my credit report and for the resulting damage to my credit score.

On two occasions, I sent dispute letters to Nelnet regarding the reporting of late payments for XXXX and XXXX of XXXX. However, they have failed to respond to my dispute letters, despite my reasonable attempts to resolve this issue. As a result, Nelnet inaccurately reported my account as 90 days late for these two months, which has caused a significant and unjustified reduction in my credit score. 

In contrast, Nelnet reported my payments as current for XXXX and XXXX of XXXX, which is consistent with my payment history. However, the incorrect XXXX late reporting for XXXX and XXXX of XXXX has caused my credit score to drop by XXXX points. 

The lack of response from Nelnet to my disputes, as well as their failure to correct the errors on my credit report, has caused undue harm to my financial situation and creditworthiness. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Nelnet corrects the inaccuracies on my credit report and addresses the damage caused to my credit score. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Mr. Cooper ( former Nationstar ) is my current loan/mortgage company, in XX/XX/2018, company increased my payment by $ XXXX/month without any reason. 
Their phone is XXXX They told me that payment increase is due to escrow increase ( property tax from county and city ). 

I went to XXXX county and XXXX XXXX/sc city and asked them to send refund to Mr. Cooper, I called Mr. Cooper today ( XXXX ) and they told me that they already received refund from XXXX county and still don't want to change my monthly payment. 

It is just like rubbery ( my coworker told me it is illegal to increase mortgage payment ). 

My property address : XXXX XXXX XXXX XXXX XXXX, SC XXXX my name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX series from Autonation XXXX. They added an extended warranty for {$5700.00}. I called to cancel it the next day. I was told I needed to put it in writing with their forms. I did on XX/XX/XXXX. I have been lied to multiple times. I have been told 4-5 times now that the check has been mailed. It has not!!
Product: Vehicle loan or lease

The account was rolled into a XXXX XXXX XXXX that was dismissed on XX/XX/XXXX. Eight days later, the account had already been sold to a collection agency, with no further communication from the lender regarding resuming payments. I received one communication from the collection agency, XXXX XXXX XXXX, dated XX/XX/XXXX, but it did not arrive until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request immediate action to protect my credit information and block and delete all items associated with this breach. 
Inquiries : XXXX  Date of XXXX : XX/XX/year>
Product: Payday loan, title loan, or personal loan

The interest rate is like 200 % interest. I thought military interest rates were not supposed to exceed 36 %. I need help.
Product: Debt collection

In a previous complaint : XXXX Gurstel Law Firm P.C., On XX/XX/XXXX, 2020. filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XXXX XXXX, 2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XXXX XXXX, 2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/ 2020. Gurstel Law Firm submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/ 2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. Gurstel Law excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from Gurstel Law Office. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX  ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document.

( Court Doc pg 1, 2, 3 ) 9 -  In this statement. He lists Gurstel 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of Gurstel Law Firm. 

10 - Then in closing arguments. The Plaintiff, XXXX XXXX XXXX is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of XXXX XXXX XXXX The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for XXXX XXXX XXXX. As referenced by Mr. XXXX XXXX XXXX. Attorney for the Gurstel Law Firm P.C.

Please Investigate the criminal acts. Committed towards your own Agency. 

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

On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus XXXX XXXX and Transunion. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 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

been with debt resolution company for 6 months now and they claim to not be able to handle the business of original agreement. I feel i am being given the runaround and they still expect the payment to be made please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company requested my credit report on XX/XX/2023 when they should have not. They are suppose to call me to confirm with my Phone number. I did not apply For anything from this company to even request this. I am not sure if this is fraud. I will also report this to the ftc. The three credit bureaus should not have authorized anyone to pull my credit. Usually I get a phone call. I notice my old address from 5 years ago showing up. I have try to get this removed. has not Removed inquires that were on my credit report I am not sure were this is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.
Product: Bank account or service

I had a Business Checking Account with Wells Fargo and they withdrew a service charge every month until the account had nothing left without my knowledge ...
Product: Credit reporting or other personal consumer reports

Not sure exactly what date but I sent for a credit report and when I received it I noticed some stuff on there that should have been removed. Some old loans/ bills I paid off but they never updated it so I'm still getting denyed on certain applications due to my credit still being so low. I'm now sure where the money went because it was in collections but I paid XXXX $ odd dollars towards old bills and nothing got put towards anything.
Product: Debt collection

GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. 

DITECH FINANCIAL LLCXXXX GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. 

I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
Product: Debt collection

Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX - Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I purchase an item using PayPal and never received the item. I have proof the funds were transferred to the seller. All attempts to contact seller have failed. Paypal Dispute Resolution Website is not working. PayPal transaction ID for this matter is XXXX. Seller is XXXX. Thank you for your help XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. 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 XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX -, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$400.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Gramm Leach Bliley Act I have a right to opt out of getting my nonpublic personal information shared with non affiliated party XXXX, Equifax, XXXX. They violated my rights by not providing me with the opt out disclosure because as a consumer I have the right to privacy and I also have the right to opt out getting my nonpublic personal to information to non affiliated third party
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. The account number is missing and the payment summary is incorrect. 
Please remove this account immediately and CEASE all reporting to all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I would like to address my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed reported late payments on my accounts, which I dispute as incorrect information. 

I have taken the necessary steps to investigate and identify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am concerned about the discrepancy in reporting between your bureau and the others. 

Regarding the specific accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing significant mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and providing for my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a victim of identity theft. For your reference, I have attached my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/2023 consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/2023. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for theXX/XX/2023reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/2023. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as ofXX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.
Product: Prepaid card

We received an American Express XXXX card from a friend. The card comes in the form of an email with a link to the card details showing the balance, number, etc. as well as instructions for use. The options are to add the card to a digital wallet or to use the card for an online purchase following normal credit card protocols. There is a stipulation however that purchases must be less than the balance amount. This in itself is a scam that allows Amex to collect small amounts of unused money as it is nearly. That aside the card itself does not work. 
I added the card to my google wallet and attempted to use it at major retailers including XXXX XXXX, XXXX XXXX and at a fast food restaurant. None of which worked. 

I then tried to use it at XXXX following the instructions on the email and website. This did not work either. I called customer service and spoke to a representative that the card " should work '' at any retailer provided the amount of the purchase was less than the balance of the gift card, and that the retailer asked for the card number, expiration date, and verification code. I asked if it would specifically work online at XXXX XXXX and the representative responded with " if the card is not working at an online merchant I should try again later. 

American express is advertising these gift cards as being able to be used anywhere American express is accepted, which does not appear to be true. They are also making them unnecessarily difficult to use, and the stipulation that purchases be less than the gift card balance makes it nearly impossible to use the entirety of the card value.
Product: Debt collection

This company has inaccurate information on my credit report and I want it off my report. Portfolio Recovery  Associates, LLC se nt me a letter stating that I own {$1.00},  XXXX  on an account that is not mines. I replied to them more rec ently   XXXX   XXXX  , 2017 and stated that the account was n't mines and if they can validate the information by providing a copy of th e original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement and is back up By Federal Law according to the Federal Trade Commission and the Fair Credit  Reporting Act 611 ( a ) ( 7 ), 603 ( 0 ) ( 5 ) ( A ) ( I, III ). I am now strongly considering a small claims law suit.