23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.
Product: Debt collection

I never received written verification of a debt from I.Q. Data Informational, Inc. I would like a letter sent to me to verify this debt from 2011. I did n't even find out about this debt until this year. I 'm also extremely frustrated that there is NO way of finding there contact information on the internet ANYWHERE. How am I supposed to pay a debt to a seemingly invisible debt collector?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Product: Debt collection

We continue to get collection calls to, not only the supposed debtor, but family, husbands office, etc.,,. The debt was, supposedly, originally from HSBC whom we had settled a debt with years ago. We've presented proof that the debt had been settled. They contend that this is a separate line of credit and wasn't settled. Regardless, even if I did owe this debt, it is beyond the statute of limitations. They've continued to harrass with calls and threat of suits. My husband and I have told them not to call but they continue to harrass us along with our relatives and now calling my husbands office.
Product: Mortgage

These past weeks we have moved forward on the closing of my short sale but the second lender SPS has lied and upheld the deal in many ways. On Thursday XXXX our firm called three different times to confirm that we would get out HUD approval and extension approval so we cloud close today XXXX. We were told Friday we would get them by end of the day, then both on Monday and Tuesday had a total number of 7 different calls with 7 different representatives all saying different things. We were lied to many times and it held up the deal. Parties have already paid out money for this deal to close. XXXX XXXX XXXX is battling XXXX and recently lost his mother. SPS has held this deal in limbo for almost three years and now as we are this close to close they hold up and jeopardize the deal.
Product: Payday loan, title loan, or personal loan

I have more than a year making my monthly payment on time but I cant see any statement that showed my remaining balance after I did the payment. 
Sometimes I sent {$500.00} in order to lower my debt and finish early but when I see that they apply this amount to the next payment instead to my principal balance as I tried to do it. I called them several time about this issue and they said that I have to made the payment on my due date otherwise they apply it to the next month payment, also I make the payment through my bank payment system, I scheduled it 10 days before the due day and they told me several time that the payment didnt arrived on time, I made the payment through their website because they said to do it like that and the next day my bank payment went through, in that way they get duplicate payment but they do not applie it to my balance. I need to see my monthly payment statement where I can see the remaining amount balance after they apply it.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My bank card was kept at the XXXX, NC ( XXXX ) branch of 5/3 Bank after I forgot my password. I told the rep at that location I live XXXX miles away round-trip and asked if my card could be mailed to my home or a new card issued and mailed to my home. The rep at this location offered NO help in retrieving card other than driving the XXXX miles round-trip. I contacted the 5/3 Bank help department THREE times via their online contact option, but I have never been contacted or received my card in the mail. I do not know why this is such a big deal. I can answer any question over the phone that I can answer in person. I just want my bank card, so I can access my money.
Product: Debt collection

1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automobile Acceptance is and has been reporting on my personal credit profile as " delinquent. '' I've never had account with Automobile Acceptance nor have I ever been affiliated with Automobile Acceptance. I call as well as sent a certified letter requesting this information be removed from my credit report. I call spoke with someone in the credit department by the name XXXX his extension XXXX. I explain to him Automobile Acceptance is and has been reporting on my personal credit profile, he placed me on hold while he researched the information, he ( XXXX ) return to the phone and stated he could not find my name nor social security number in their database. So I ask that this information be removed, he ask that I contact XXXX, XXXX and XXXX. I replied to him that I have already sent a certified letter asking this be removed and it's still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to display these accounts below on my personal consumer report. I am building a suit against Experian as I have disputed these items before and Experian claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that Experian cease and desists and block listed accounts as Experian continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Experian continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer report. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX ********** XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXXXXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's. 

15 usc 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
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DESIGNED RECEIVABLE SO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form XXXX4039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all XXXX Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and XXXX. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and XXXX, but TransUnion stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Correction of Credit Information Before Formal Complaint I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my mortgage account number XXXX. Despite my previous letters dated XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 

Details of the affected payments are as follows : 1. *Date of reported late payment* : Multiple instances across the two-year payment history. 
- XX/XX/XXXX : 120 days late - XX/XX/XXXX : 90 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 30 days late - Multiple instances in XXXX showing late payments of 30 days. 
2. Date the statement should have been received : [ the 1 of the month to 16 of the month.

3. Actual date the statement was received : after the date that they supposed to post it. 

If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights.
Product: Money transfer, virtual currency, or money service

I have repeatedly asked that this account be closed and to have my banking information removed from the platform. Instead the continue to have the account and send me unrequested solicitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I asked for a copy of my credit report and you still haven't provided payment History for the following account. Please provide payment history information with proof of payment including date of first delinquency for the following account. Also please send me a copy of my last payment for the following account. 

XXXX XXXX XXXX Account XXXX XXXX XXXX # XXXX I have asked several time for this information. If you can't provide payment history & a copy of my last payment to these creditors please delete these accounts. 

Thank you.