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

I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND XXXX  BUT EXPERIAN WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX section XXXXXXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX XXXX 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I do not earn enough to pay the payment set by Nelnet and still be able to pay other bills let alone eat. I have tried since XXXX 2015 to get the payment lowered but Nelnet continues to reject my applications. The latest : They sent me a partially completed application, I completed it, sent it with my 2015 tax return and they sent me a blank application ( the same XXXX they had sent partially completed ) with the statement that they could not read the documents I sent. I have completed the application online twice and sent a completed one via email once. Calling their service reps results in nothing being done except me losing hours of time and having to hang up more than once to get to work. My mother has tried and all she gets are requests for her to call them. They have the paperwork and the proof of income. They just refuse without cause to lower the payment.
Product: Prepaid card

On XX/XX/2023, I received an American Express virtual prepaid Rewards card from XXXX XXXX rebate promotion. According to the https : //www.amexrewardcard.com website, the card is active and has a balance of {$75.00}. The Cardholder Agreement says the Card may be used at U.S. merchants that accept American Express Cards. The Amex instructions on how to use the card say to enter the card information as you would a credit or debit card in the payment method section and fill in your name and address in the billing address section. 

I attempted to use the card at XXXX. XXXX  website lists American Express as an accepted payment method. My order was cancelled due to payment declined. 

I also tried to simply add the card as a payment method at XXXX and XXXX XXXX with no luck. Amex says your American Express Virtual Reward Card can be used in-store to pay when added to digital wallets : XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

These are the steps I took to resolve the issue : XX/XX/2023 : Called XXXX XXXX customer service ( XXXX ) listed on the XXXX XXXX reward email. I couldnt get past the automated help to talk to a human. 

XX/XX/2023 : Called American Express Customer Care number ( XXXX ) two times. I was finally able to reach a human by pressing the option to report that my card was stolen. I asked why my American Express Reward Card was being rejected even though I wasn't exceeding the {$75.00} card balance. The customer service person first told me the card couldnt be used at XXXX and to try another merchant. I asked where the card could be used and she was unable to answer the question. When I told her that the XXXX website says they accept Amex, she changed her response and told me my card is working and it should work at XXXX and to resubmit my order. Amex customer service is incompetent and terrible! 

XX/XX/2023 : XXXX XXXX and chatted with XXXX from XXXX payment support. She informed me that XXXX requires a name and billing address to register a card as a means of payment in order to validate the card. Since Amex rewards cards are not associated with a persons name and billing address, they can no longer be used at XXXX. 

I would like to know how to make a purchase with my Amex rewards card. Amex prepaid cards are pretty useless in the real world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After Equifax, XXXX, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

EQUIFAX Merchants Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAXXXXXTRANSUNION XXXXXXXX XXXXr XXXX Account Number XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters requesting validation and verification of this debt that is showing on my credit report with Victoria Secret. I only get a response letter stating hen the account was opened and my name. I demand to see a contact or something with my signature or this needs to be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DP OF EDUC XXXX XXXX XXXX XXXXXXXX XXXX -US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting

Experian has XXXX listed XXXX on my credit report, XXXX. It is the same XXXX fraudulent account listed XXXX. I have filed a complaint against XXXX to the CFPB and I have attached the signature on XXXX 's application page which XXXX forwarded to CFPB, in which you can clearly see it is not mine. I have attached my mortgage document with my signature and I have attached my domicile with my signature and addresses. Also, I have attached a letter from XXXX XXXX acknowledging it is her debt not mine and her admission that I knew nothing of the debt and the contact information on the application was not where I resided. I also ask for you to acknowledge the dates of my mortgage document with signature, also my property tax info which shows the date that I resided at my current resident XXXX XXXX XXXX XXXX. The mortgage document from XXXX XXXX, shows my XXXX XXXX XXXX XXXX , neither addresses coincides with the address on XXXX 's application. I have also attached my property tax document which shows the year I moved into my current address. I was not residing at the address on XXXX 's application, nor have I ever signed or received any documents from them. I have resided between XXXX and XXXX exceeding 15 years. I am asking again for the fraudulent accounts to be immediately removed.
Product: Debt collection

On or about XXXX/XXXX/16, I entered into a membership agreement with XXXX XXXX via agreement number XXXX. XXXX XXXX XXXX stated when I joined that there are several locations I can go to for the membership. However, it was later determined that the closest location was more than XXXX miles away from my address. On or about XXXX XXXX, 2016, I sent a letter to XXXX XXXX cancelling the membership. On or about XXXX/XXXX/16, I received a call from an employee stating that they will cancel the contract and refund all monies immediately. XX/XX/2016, I received a call from XXXX XXXX XXXX on behalf of ABC Financial Services ( XXXX XXXX ) stating that he is going to have me arrested or take me to jail if I do not pay the debt. I immediately informed him that it is illegal to threaten someone about a debt. I further explained to him that I sent a letter via certified mail on or about XXXX XXXX, 2016, requesting that the membership be cancelled and that all monies be refunded. I sent notice to XXXX XXXX XXXX. On or about XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from XXXX, XXXX, XXXX XXXX XXXX, attorneys at law on behalf of XXXX XXXX in regards to agreement account # XXXX in the amount of XXXX. On or about XXXX/XXXX/16, I sent a certified letter to XXXX disputing the debt. I want documentation on how they arrived at the XXXX when it is clear the membership was cancelled on XXXX/XXXX/16 as well as the gentlemen stating all balances has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In this complaint Im going to list the FCRA violations pertaining to XXXX account ending in XXXX Complaint XXXX was submitted XX/XX/XXXX which was a reinvestigation of previous complaints. Equifax disputed the account which came back verified. The confirmation number for this dispute is XXXX. During the reinvestigation Equifax did not record the status of the disputed information therefore the account should have been deleted before the end of the investigation. I confirmed this by taking the facts directly from my Equifax credit report and also I called Equifax on XX/XX/XXXX at XXXX central time and spoke to XXXX employee ID XXXX  and she stated there was no notice of dispute during the investigation. This is a violation of Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. This is straight from the FTC government website. 

I disputed the reporting of an available balance of negative XXXX. The account is closed, the available balance is XXXX. Continued reporting in the payment history after the account has been closed. How are the inaccuracies being verified when the facts are coming straight from my credit report? Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure maximum possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. Using the same procedures for reinvestigation is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I want the account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an issue that dates back to XXXX, which we have followed up on numerous times over the past 3 years but to my disappointment appears to still remain unresolved. My most recent Credit Report is still showing a late payment from Nissan and significantly impacting my credit score. I have provided these details previously to Nissan directly and it is very frustrating that 3 years later I am still having to follow up for this to be cleared up, hence I am forced to report this. 

Our lease with Nissan for our XXXX XXXX XXXX ended on XX/XX/XXXX and was paid up completely. However, when we tried to return the car as early as XXXX, despite significant communication with multiple Nissan dealerships to arrange an earlier return, we were told this was not possible as their lots were all full due to the COVID-19 pandemic. We had already secured a new car in XX/XX/XXXX so had no reason to keep the car longer, but were told to hold onto it until they had space, and it was not driven at all. On XX/XX/XXXX, Nissan sent someone over to complete the vehicle inspection ( report attached ), again asking us to keep the car as they still had nowhere to receive it. Once we were able to return the car in XX/XX/XXXX, we reconciled all charges, yet a late payment showed up on my credit report and is impacting my credit rating. We had paid this up completely and the car was physically with us only because they had refused accepting it due to issues on their side. This is completely unacceptable, and we need this credit issue to be reversed immediately as it is having other significant financial implications. We have tried contacting Nissan multiple times with written communications but they have not been responsive.
Product: Bank account or service

I have closed my checking account with Bank of America # XXXX XX/XX/XXXX and spoke to the Bank of America on XX/XX/XXXX, associate XXXX in XXXX ; I was assured that the residue of {$110.00} will be mailed to me as a check. It is now XX/XX/XXXX and I am still waiting. I called numerous times and was not able to get through since the XX/XX/XXXX, the hold was always very long, 10 minutes + or I got disconnected numerous times. I am on hold again today with the Bank of America and being bounced around.XXXX in XXXX phone # XXXX informed me " the check is in the mail and to give it till Friday. '' I am amaized how horrible it has been to deal with the Bank of America and would like your burea to know. 
Sincerely XXXX XXXX
Product: Debt collection

The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs. 
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Credit card or prepaid card

They refuse to return my money fraudulently taken by a merchant XXXX XXXX. They suggest I work it out with the merchant. This is utter XXXX as they are supposed to protect me from fraud. It's literally one of two reasons that I allow them to charge 31.49 % interest APR.

I have always stated " fraud '' as a reason to refund my money but they ignored that reason entirely and focused on irrelevant factors instead. They are denying my claim because the merchant has hidden all of my correspondence. They prefered to have a self-contained messaging system which they locked down and effectively prevented me from accessing my disputes. That is also fraudulent. In addition, Capital One is demanding an invoice/receipt, but XXXX XXXX Never provided me with one. How is that MY fault?!? Once again, I NEVER authorized XXXX XXXX to charge me the {$29.00}!!! 

Capital One has wasted hours of my time and treated me like complete trash. They are literally disgusting!
Product: Debt collection

Velocity Investments purchased a debt that the company claims I owe. This alleged debt was purchased from another debt collection agency, which purchased it from the original creditor. The supposed debt is related to an account that was closed or sold to a debt collection agency in XX/XX/XXXX ( over 4 years ago ). Velocity Investments has filed a lawsuit against me in relation to this account. Since XX/XX/XXXX, there have been no communications between myself and the original creditor OR any debt collection agency. I have not engaged with Velocity Investments in any way. I only recently learned of this lawsuit when a process server called my cell phone and left a voicemail. An online search led me to find out that a lawsuit had been filed against me in XXXX XXXX Superior Court on XX/XX/XXXX regarding an alleged debt of {$3200.00}. A Proof of Service has not been filed with the Court, yet I see in the Complaint filed that Velocity Investments alleges that I made a payment in XX/XX/XXXX. My credit report states that the last payment made was in XX/XX/XXXX, not XX/XX/XXXX. 

No contract has been signed with this company and I have not had any communications with them. The blatant aggressiveness of this company has deterred me from attempting to contact them. 

The resolution I am seeking is for this frivolous lawsuit to be terminated. This lawsuit was wrongfully filed and was done so with the purpose of harassing and intimidating me.
Product: Money transfer, virtual currency, or money service

I had purchased the following amounts from Coinbase on the following dates : XX/XX/XXXX one transaction for {$270.00} and one for {$220.00} for XXXX. These cleared on my bank account on the following dates : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I was charged without my authorization and for NO product for the same amounts on the following dates which have cleared on my bank account and I have not been refunded : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I included screenshots showing that I only made those transactions on XX/XX/XXXX as shown in the recent activity area.
Product: Mortgage

I was approved for a VA Loan modification per COVID-19 Home Retention Waterfall and COVID-19 Refund Modification.

The VA assisted me with securing a loan modification after a year long battle during the COVID-19 forebearance process. Mr. Cooper failed to acknowledge the receipt of the required forbearance information, even though I submitted it to them ( timely ) on three to four separate occasions.

My loan modification was approved and I closed with Mr Cooper 's assigned mobile notary closer in May. The first payment was set for XX/XX/XXXX. Mr. Cooper 's closer submitted the signed documents. In XXXX, Mr. Cooper called demanding {$800.00} for a trial period ( not required per VA ). When I informed Mr. Cooper that I had an approved loan modification in place, I was told there was no record although a previous representative had informed me otherwise. 

I received a second set of loan modification documents with a new payment start date. I arranged a second mobile closing with the same Mr. Cooper notary for XX/XX/XXXX. The documents were signed and returned to Mr. Cooper via XXXX. The first mortgage payment date was XX/XX/XXXX. We paid our mortgage as agreed on XXXX and again on XXXX. However, Mr. Cooper has not posted payment after cashing the check. Mr. Cooper continues to send me notices demanding over {$15000.00} in default payments. I have come home twice in XXXX to find demand notices taped to my front door ( publicly embarrassing ). 

I am receiving calls from Mr. Cooper several times a week demanding {$800.00} for a trial period. Mr. Cooper representatives claim that no record of the loan modification is showing. Some representatives seek {$800.00} and others erroneously demand {$15000.00} or they are going to default my mortgage and report to the credit bureaus. 

I believe Mr. Cooper is aggressively moving forward with a discriminatory foreclosure process. I have been devastated by this ordeal. Due to COVID-19 we needed a forbearance for just a couple of months. But due to Mr. Cooper 's questionable tactics and potentially discriminatory practices, this process has taken more than a year. I am an XXXX XXXX veteran dealing with a VA mortgage loan modification nightmare during the COVID-19 emergency period. Please protect this consumer 's rights. 

Thank you.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted CREDENCE RESOURCE MANAGEMENT on a matter that pertains to my credit. I have been a victim of fraud. I sent CREDENCE RESOURCE MANAGEMENT a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked to remove CREDENCE RESOURCE MANAGEMENT the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay CREDENCE RESOURCE MANAGEMENT and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe CREDENCE RESOURCE MANAGEMENT. You can not because this is not my debt nor do I owe CREDENCE RESOURCE MANAGEMENT anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDENCE RESOURCE MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Checking or savings account

On XX/XX/XXXX, I got a call from USAA about fraud on my account. I found out that same evening that it was a scam and not USAA. I called USAA right away to let them know so they can block my accounts but they did not do so and my funds were taken out of my checking, savings and my kids accounts. And USAA is not being helpful about this. How these scammers got the last XXXX of my SSN is beyond me.