23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Per Department of Education guidelines I am entitled to a refund of all money paid towards my student loan after XX/XX/XXXX of 2020 due to the pandemic and laws passed to all lenders and borrowers which suspended payments. I continued to pay unaware of this and while out of work due to the pandemic. I am still unemployed. I have requested a refund of {$650.00} that is badly needed yet Nelnet continues to give me the run around for the past 6 weeks or more. They have removed all payments made to my account for {$650.00} but have not refunded it to me. They have stated they would but not for 8 weeks with no reasons why. The money must be refunded immediately per the Department of Education in the same manner paid which was ACH draft from my savings account. They are refusing to do this as well and want to send me a check. I am not waiting 2 months for a check especially since money has already been removed from my Nelnet account. I have grown tired of their poor customer service and suspect lending practices. Now they are holding my money hostage. It's enough. Their customer service staff are rude, inconsistent and not handling this properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having a few issues with XXXX, Transunion, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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
: It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

will attach photos of the paper work that confirms the closing of my account around the months of XXXX. 

I made a few payments with this company before my billing cycle and they were reversed. This was a secured credit card that I placed XXXX $ limit. Due to me having too many reversed payments within a short period of time after me opening the card, they closed my account. They used my XXXX $ I placed on the secured credit card towards my Balance of the account. They sent my check by mail paying me {$19.00} around XX/XX/XXXX. The account was supposed to be closed. They kept my account opened and within The next billing cycle of XX/XX/XXXX I had a new balance of {$100.00}. This was a reversed payment with XXXX XXXX. This is one of the reversed payments that made the creditor close my account When I made the phone call with the gentleman to discuss the closing of my account. I asked if there was any way to keep my account open due to me wanting to work on my credit and I just got approved for the secured credit card. The gentleman told me no and he would use my XXXX $ deposit towards my balance and it came out to XXXX cents so they sent me a check around XX/XX/XXXX for {$19.00}. After I was told that I cut up my card immediately and never used the card again. There are charges on this card in the month of XX/XX/XXXX I was post a picture as well that none of them were made by me. I have charges in the state of California, XXXX OH, XXXX OH and XXXX Ohio. I do not go in any of those areas. As Im taking pictures of the monthly statements. Citi did not send me the XXXX XXXX statement as this is one of the most important statements due to my account closing before XXXX.
Product: Credit reporting or other personal consumer reports

Received an email saying I applied and was denied for an Indigo Mastercard Account issued by XXXXXXXX XXXX. I never applied for this. My credit score dropped because of it. 

At the bottom of the email, it says, " This email is from Concora Credit Inc. '' I have never heard of any of these companies or banks. 

The email was received at XXXXXXXX XXXX on XXXX. It is from XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Method of Verification request- Account came back verified and is still reporting inaccurate. 
Dear Experian, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 
I disputed the account listed under XXXX XXXX XXXXXXXX, ( Report number XXXX ) for the following reason : Inaccurate reporting, incorrect payment history and inaccurate account details. Your investigation of this dispute was marked as completed on XX/XX/year>. 
I am now requesting a detailed description of the procedure that was used during your investigation. Specifically : Who did Experian contact or interview regarding this account? 
How did Experian verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination? 
As required by the FCRA, please provide this information within five days of receiving this letter. Failure to comply with this request may result in a formal complaint being filed with the This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies.

Thank you for your prompt attention to this matter. I look forward to receiving your detailed response. 

Sincerely, XXXX XXXX
Product: Debt collection

a patient of 1 of the doctors who was charged in the nationwide XXXX XXXX sting in XXXX of this year all my dealings with this office was paid by medicare but has been turned over to the GLA collection inc. in XXXX ky XXXX have tried to have it removed they say it meets fcra guideline this is part of the false billing this office was charged with
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third and final attempt before legal action is taken for a credit inquiry from J.D BYRIDER showing on my credit on XX/XX/2022. please note that I deny and dispute this inquiry. I am requesting a copy of a contract or an agreement. Please note that simply possessing my personal information does not give you the authority to report my information without my consent. CONTRACT OR AGREEMENT PROVIDED BY YOU MUST BE WITH THE ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED. please also note that you are in violation of 15 USC 1681b. Provide the documentation or delete the inquiry within 30 DAYS. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Equifax ] [ XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX ] Dear Sir/Madam, Re : Dispute of Inaccurate Information and Request for Correction I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. I have reviewed my credit report and identified an entry that I believe to be incorrect, and I request that this information be thoroughly investigated and corrected. 
Details of the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX Date of Entry : [ XX/XX/year> ] Reason for dispute : [ inaccurate reports ] According to XXXX XXXX Code XXXX, I am requesting that you conduct a reasonable investigation into this matter and correct any inaccuracies found. If this information is not accurate, I request that it be immediately removed or updated in accordance with the Fair Credit Reporting Act.

Please provide me with written confirmation of your findings and any actions taken within the 30-day period, as outlined in the FCRA. I also request that you send me an updated copy of my credit report showing the resolution of this dispute.

Should your investigation determine that the information is indeed inaccurate, I expect prompt correction in compliance with 15 U.S. Code 1681o, which holds credit reporting agencies accountable for willfully failing to comply with the provisions of the FCRA.

I look forward to your prompt response and resolution of this matter. Should you require any additional information to proceed, please contact me at the phone number or email address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

https : //www.portfoliorecovery.com/ Has potentially violated consumer law on sharing private financial data on the Internet via PDF of bank statements via this website and other sources. 

I do never signed any binding documents between XXXX  XXXX and Portafolio Recovery where I Agree to XXXX  XXXX sale my information and share privacy staments is the law and my private data should not be share spatially financial data. 

Again, there is non and single agreement where I agree with XXXX  XXXX to sell my information, there is no a single document that says that this account could be handled by a 3rd party buyer to use my financial data for benefit or for profit. 

Im requesting a valid documentation where my self signed a document to XXXX XXXX that they are able to sell my personal stament information signed by my own hands and pencil that I agree this type of scams. 


Last warning I will bring this to court if you dont Cease and Desist of this matter by Monday I fully explained I dont own any money and I never authorized XXXX  XXXX to sale my information private staments for profit NOTE : Will take you guys to court first to show when and how I signed any document that I agreed XXXX XXXX XXXX to give you my staments and private information and when you have a valid authorization to keep private financial information in your personal files without my own approval. To BE MUST CLEAR THE FIRST TIME XXXXM LOOKING A FULL STAMENT OF THIS ACCOUNT IS OUT OF YOUR HANDS SENDING A FULL PDF COPY THAT I EVEN DONT HAVE My Self on File.
Product: Debt collection

I have contacted the company directly and they refuse to remove when it is not my account. When asked they can not provide any documents that show otherwise. They become belligerent.
Product: Credit card

This was for a cab fare in XXXX XXXX. I was not given a receipt. The driver told me the card declined but obviously it was charged {$240.00}. He then demanded {$100.00} U.S. cash which I had to give him to get my luggage out of his cab. It should have been a {$10.00} U.S. fare total. I do not have documents. This vendor needs to be flagged as well. They are thieves! I was leaving the country so they had an easy target. I refuse to pay this charge. It can stay on my account until I close my account. I totally dispute this charge. Please go after this vendor!
Product: Credit reporting or other personal consumer reports

i am writing to request an investigation of the following information that appers on chexsystems consumers report i have Never opened or use the following account open date XX/XX/scrub>XXXX XXXX XXXX account XXXX routeing XXXX my cousumer id XXXX please remove from chexsystems i dont recognize the following account in question im a victim of identity theft and i dont recognize this account on my report im requesting the following information be deleted from my chexsystem report immediatey i ve attached copy of the report to this request
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX  NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Product: Credit card

The bank must not supply information to a credit reporting agency that it knows is inaccurate. In this case, the bank is reporting a debt as charged-off when was settled it or paid it in full. Attached to this complaint will be documents that sustain the bank 15 U.S. Code 1681 605. ( 8 ). violations.
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Amount : {$7400.00} The credit bureaus have violated the following laws as well Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is a negative claim reported by XXXX XXXX XXXX XXXX XXXX XXXX  account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Product: Money transfer, virtual currency, or money service

Bank of America won't send me my new card with collections money
Product: Checking or savings account

CoMerica bank got me VERY WORRIED SAYING MY SOCIAL SECURITY XXXX DIRECT DEPOSIT which I usually get on the XXXX of the month since XX/XX/year> XXXX NOT COME TO MY CHECKING ACCOUNT I OPENED RECENTLY WITH THEM THEY SAID IT MIGHT GET SENT BACK OR GO TO XXXX  XXXX XXXX.and account that I am CLOSING DUE TO XXXX XXXX FRAUD!!! So I FEARFULLY DID NOT CHANGE MY XXXX  CHECK FROM XXXX  XXXX XXXX TO COMERICA SAID THIS BECAUSE MY MAIDEN NAME iS ON MY TEXAS DRIVER 'S LICENSE INSTEAD OF my married name WHICH IS ON MY SOCIAL SECURITY CARD AND MY SOCIAL SECURITY XXXX CHECK, XXXX XXXX, etc!!! SAME WHEN I OPENED MY OTHER ACCOUNTS ..XXXX XXXX XXXX HAD NO PROBLEMS WITH THAT!!! BEEN WITH THEM FOR MANY MANY YEARS AND XXXX XXXX  WAS FINE WITH IT ..XXXX  FORMERLY XXXX XXXX  XXXX HAD NO PROBLEMS WITH THAT!!!
Product: Credit reporting or other personal consumer reports

I just recently disputed multiple credit inquiries that simply aren't mine and I never applied to these places. I also submitted a complaint here regarding those specific inquiries. Equifax just responded to me that they closed the dispute and that these inquiries will stay on my report until XXXX 

THEY ARE REFUSING TO PROVIDE ME WITH PROOF DOCUMENTATION AS PER THE LAW OF WHY THEY ARE REPORTING THIS. I have requested from them multiple times to either verify these inquiries are mine and send me those verifications showing any application with my signature. 

They are refusing to provide me with these documents and are simply declining the dispute without providing me the requested information. 

They are seriously violating the law and I would like for this matter to be escalated.
Product: Debt collection

I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX  XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.
Product: Mortgage

I recently had to file XXXX  due to XXXX issues and lost income I reaffirmed my mortgage with rocket mortgage the amount of the payoff is XXXX and the reaffirmation amount was XXXX a difference of XXXX I called them on many different occasions to find out why the different amounts and finally received an answer the person XXXX in the escrow department said it was due to an escrow deficiency I ask if they were charging me the deficiency in the reaffirmation then they would need to show that on my rocket account they said no because I hadn't paid it and I argued the point that it was added to the reaffirmation amount therefore changing my balance from XXXX to XXXX therefore it should reflect the escrow was paid on the back end so they changed my overall balance but are trying to make me pay more to cover the same deficiency by changing my payment from XXXX to XXXX I feel like if there adding the shortage into the reaffirmation agreement they should have to show this on the front of my mortgage I would be paying them twice for the same escrow deficiency.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments on my credit report : List Name of the accounts with late payments along with their account numbers.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

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

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Also, I'd like to point out that you are reporting inaccurate information on my consumer report.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; 15 U.S. Code 6801 - Protection of nonpublic personal information : ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Delete the student loans from my consumer report. I did not give my written or oral permission to put them on my consumer report. Failure to do so in 30 days will result in legal civil action. 
Best regards, XXXX XXXX XXXX