23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing a complaint concerning the handling of my Borrower Defense refund following a series of loan transfers, starting with Nelnet. My loans, tied to my attendance at XXXX XXXX XXXX, were initially serviced by Nelnet, then consolidated and transferred to XXXX, and ultimately to XXXX before discharge. Under the XXXX XXXX XXXXXXXX settlement, I am entitled to a refund of {$46000.00} for payments made on these XXXX loans, but despite the discharge being completed, I have not received my refund. 
Each servicer involved has lacked clarity about who is responsible for initiating my refund, leading to delays and confusion. 

Given that Nelnet was the initial servicer, I request the following be addressed : XXXX. Confirmation of Nelnets actions in the loan transfer process with respect to Borrower Defense cases. 
2. Verification of any steps Nelnet took to facilitate my refund prior to the transfer of my loans to XXXX. 

Details : Borrower Defense Application Number : XXXX XXXX Complaint Number : XXXX The repeated transfers and lack of communication have caused significant frustration. I am seeking CFPBs assistance to ensure that Nelnet, as well as the subsequent servicers, fulfills its responsibilities in processing my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

XXXX Dear XXXX and XXXX : Hope this letter finds you well. I leased a XXXX XXXX XXXX from an independent dealer in XXXX, XXXX. All payments for the life of the lease were made on time and in full. Still, due to the fact that the dealer took on responsibility for the post-lease fees, and due to the covid pandemic, the dealer was unable to complete the payments on time, Hyundai has ruined my credit with negative charge-off status remarks and late remarks. Hyundai credit dispute department has no telephone, email or physical location. The only way to dispute Hyundai 's remarks on one 's credit profile is via a XXXX XXXX XXXX. The dealer who leased to me the XXXX XXXX XXXX which matured in XX/XX/XXXX ( and was returned on time ), wrote a letter to the Hyundai credit dispute XXXX XXXX explaining that he had told me that he would take care of any post-lease fees, including wear and tear fees. Attached is the letter that the dealer mailed to Hyundai explaining that due to covid affecting his business, the post-lease fees were not paid on time by him and therefore when I found out what had occurred, I paid the full amount of the fees myself. It is standard for auto companies, including Hyundai, to remove a customer 's charge-off and late remarks to the three major bureaus when the dealer has accepted responsibility. And yet, Hyundai credit dispute department wrote to me that they won't clear my credit despite the dealer 's letter explaining his responsibility for the lateness. Throughout my conversations with Hyundai, I had been assured that if my dealer was responsible for the lateness of the post-lease fees, if the dealer simply wrote a letter, then it was Hyundai 's policy not to punish the credit of the customer. Prior to any post-lease fees, I paid on time and in full every single month throughout the life of the lease from beginning to end. And now, Hyundai ruined my stellar credit anyway, despite receiving the attached letter from the dealer. Hyundai even has the audacity to report XX/XX/XXXX as a charge-off status and as late ( depending on the bureau ) even though all post-lease fees had already been received by Hyundai on XX/XX/XXXX XXXX receipt attached ). Can you please help me?
Product: Credit reporting or other personal consumer reports

There are errors on my credit report tied to 15 USC 16c-2. The hard inquiries listed were made without my consent and are impacting my credit negatively. I ask for their removal.
Product: Credit card or prepaid card

I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.
Product: Credit card

Avant credit card company made an additional payment to my account that I never authorized. My checking account is on file and they made an unauthorized charge without my agreement. The amount was XXXX on XX/XX/year>. Also it's saying my balance is XXXX and I'm not over my limit and am unable to use card to the true balance.
Product: Checking or savings account

I want to Link a brokerage account to my PNC bank account but PNC won't allow it and keep directing back to the broker but its PNC bank not allowing the linking of accounts
Product: Money transfer, virtual currency, or money service

I have now been fighting with Venmo for several weeks to get at least a provisional credit for {$5500.00} in fraudulent transactions that occurred in my account. This money was withdrawn from my checking account. When I logged into to make a payment to a friend I noticed 4 unauthorized transactions and immediately reported them to Venmo. I am out over {$5500.00}. I did not receive any text for notification of these transfers and they mustve occurred through thrud stirrers access in Venmo service. I confirm through the representative that the fraudulent transactions came from an IP address that money was never requested or sent to my account ever in the past. After reporting this transactions to Venmo within a day or two they denied the claim. I spent hours on the phone with their call center and also asked to speak to the manager with no help whatsoever. They then requested I send email to XXXX to appeal the denied cliam which I did and I never received a response or even an acknowledgment of the appeal request. No provisional credit while they complete their investigation. How am I supposed to pay my bills?? I really need The CFPBs help.
Product: Credit reporting or other personal consumer reports

Under the provision of Section 611 of the Fair Credit Reporting Act ( FCRA ), I am within my rights to seek and obtain method of verification pertaining to the aforementioned dispute. 

As such, I kindly request that you furnish the following particulars regarding the disputed items - XXXX XXXX / XXXX # XXXX {$480.00} XXXX XXXX XXXX # XXXX {$8900.00} 1. Identification and contact details of the original creditor including their name, address, and telephone number.

2. Name of the individual with whom the dispute was verified.

3. Documents or other forms of proof that were used to validate the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.
Product: Credit reporting or other personal consumer reports

I am submiting this complaint because I have tried unsuccessfully for more than a year to get access to my Equifax online account. Every option to verify my identity through my government issued ID has failed, and no representative has been able to give me a straight answer, nor a solution. I need this situation rectified ASAP, so I can have access to my credit reports and scores from Equifax.
Product: Debt collection

The Law Office of Monica Guilarte contacted me trying to collect on a debt that another debt collector has claimed to own. They communicated they are a debt collector but the name assumes that an attorney is involved. This company 's communication also came after I sent a Notice of Intent to take Legal Action with the other debt collector company which I have also made a CFPB complaint for ( complaint ID : XXXX ). Please see that attached letter that explains my concerns in great detail, which will also be mailed out to the company.
Product: Checking or savings account

In XX/XX/XXXX, I wrote a cashier 's check under my own name for the amount of {$80000.00} from my business account with Bank of America ( BOA ). I took the check and deposited it into my XXXX XXXX account on XX/XX/XXXX. The funds cleared and were available for a few days but XXXX XXXX decided to put a hold on my funds and I haven't been able to retrieve them since. They initially informed me that they needed some type of receipt from BOA to confirm the funds which I provided after visiting a BOA branch but the funds remained in suspension since then pending an investigation which wasn't fully explained to me. I have been going back and forth with XXXX XXXX ever since without success. Recently I called them to find out what happened to my funds and they informed me that they decided to close the account and that the funds had been returned to the original creditor ( BOA ). They wouldn't give me any more information about when this decision or even my it was made claiming that they are not obligated to provide me with such information. I spoke with multiple representatives from BOA and they informed me that no funds were sent back to them from XXXX XXXX and that my account was closed since XXXX. The last representative I spoke with from BOA even denied seeing any details about a check that I wrote which made no sense since I wrote the check myself and deposited it into XXXX  XXXX who acknowledge the check and the amount and say that the transaction was reversed back to BOA. However, when I speak with other XXXX XXXX agents, they are unsure of what happened to the funds and at this point I don't even know what to do anymore. I would have filed this case with the CFPB a while back but I was unaware of this until recently when I it was recommended by a close friend. Please help me in any way in receiving my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX FL XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX A XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Inquiry Date XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  Inquiry Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Passport Card ( Identification )
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion and XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Product: Debt collection

Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. 

This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 states that I have the right to privacy.

Additionally, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish information about my account without my written instructions. Which I have not given Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Received a debit card for unemployment benefits from the state of Colorado on a US Bank Reliacard. I did not file for. Attempted to send a complaint with US Bank for fraud would not go through email as provided. Also contacted XXXX XXXX with a fraud alert. Did not activate card with number provided.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or needs to be deleted. Per FCRA segment 605 you are expected to remove any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance Owed : {$2100.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Debt collection

This Company premier holding address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX and phone # XXXX. 
I had a person call me by the name of XXXX XXXX claiming that she was from Premier Holding and that I owed {$2400.00} for a credit card that I opened. XXXX told me that I was responsible for the amount because It was opened with my SS # and my name. I told her that I never open any account. and she stated that they would settle for the amount of {$780.00}. in 2 payments. so it sound to me that it was a joke. XXXX said that they would come after my property and my car. so I got some what scared. XXXX asked me to give her my Bank acct. # and I did but called the bank after that call and to put a stop to any withdraw from my bank with that that company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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 XXXX years. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Debt collection

Credit Collections Services placed a hard inquiry on my credit report indicating that I opened a new account. I never opened an account with this company. I mailed a validation letter around XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, XXXX breach exposed my personal data. As I see that the company reached a settlement to resolve the investigation, I would like to file a complaint against them.