23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, I contacted my bank Navy Federal Credit Union, which I have been a member of since XXXX. Navy Federal Credit Union ( NFCU ) informed me that my account was place on restriction and that I did not have access to pay my bills using " bill pay '', " outside transfers '', or from " other institutions ''. My account is not past due, I have not been late, nor have I ever had any credit problems in the past. I asked the agent why was my account being retricted and she was unable to explain. She put me on hold for 10 minutes and when she returned she told me that I would have to call back later for a specialist to explain why my accout was retricted. I waited 1 hour and called back. The agent again put me on hold and retured to the call unable to reset my access nor explain why my account was retricted. I asked serveral questions regarding the retriction and the agent informed me that there was a scam going on and my account was restricted due to suspicion that my accout may have been compromised. I normally use my outside banks and accounts to pay my bills, restricting my access will delay payment or cause me problems in paying my bills. I am a veteran, that served and retired with 28 years of service. This type of treatment is unexplainable.
Product: Student loan

Nelnet needs to remove the {$40000.00} balance from my credit report. Nelnet is violating the settled class action XXXX XXXX XXXXXXXX lawsuit. Nelnet has until XX/XX/24 to complete this discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's been well over 30 days since my letters and dispute that I send in. I have not hear from anyone about the investigation about the incorrect information on my credit report Yes I send it to all three credit company.
Product: Payday loan, title loan, personal loan, or advance loan

I recently discovered that Bank of America had opened a {$25000.00} line of credit for me that I did not authorize or consent to. I have never been a Bank of America customer, nor requested a loan. I do not know when this account was started. 

I have not performed any actions yet nor contacted Bank of America.
Product: Vehicle loan or lease

Credit report has my SSN wrong..Banks etc my money I still have not received my mortgages was closed on me..Also my car was taken from me..An my home was taken from me at the time I was living in it a was homeless along with other property.
Product: Debt collection

This debt was appointed to my XXXX in XXXX by a judge, I can not rent a new place anywhere due to this XXXX and debt it's crippling. The reason for XXXX and debt was damages caused by my XXXX, and her XXXX me after after committing XXXX XXXX against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my XXXX XXXX requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my XXXX documents that state this debt is no longer mine
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my credit reports are showing twelve ( 12 ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " Mohela/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( 12 ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 



To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : I had this service. 
What services I am being charged for. 
What the cost of each service I am being charged for. 
Furthermore, { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 



I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be validated with contract signed by me or removed immediately. 

Name of Account Account Number Validate : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX { dispute_explanation } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I got an alert on my phone on some transactions on my debit card I call right away and told them that I didn't authorize them to put a stop they said they couldn't I would have to dispute wish I did and they got deny. The only thing they put on the letter was there were digital evidence. So I call them to ask them that I wanted prove evidence that they had that I did the transactions she didn't know what to tell me. She said I need documentation to prove I didn't do the transactions I told her there from a different state I live in California. The transactions are XXXX XX/XX/25 total money {$490.00}. The stuff they bought its for men testosterone pills. The bank is money network
Product: Credit reporting or other personal consumer reports

Lendly added fraudulent information on all 3 of my credit reports under different names. Under Transunion, the account is listed as XXXX, under XXXX it is listed as XXXXXXXX XXXX XXXX and under XXXX it is listed XXXX XXXX XXXX XXXX The have also sold the debt to a collector who has engaged in illegal debt collection practices. They state they have not reached out to me and the account was never owned by XXXX XXXX XXXX XXXX XXXX. They also claim, that my accusations are untrue. They blatantly lied about XXXX XXXX XXXX XXXXXXXX XXXX owning the account and reaching out to me. XXXX XXXX XXXX XXXXXXXX even responded back in case XXXX stating they were closing the account in their office. Please see XXXX 's response to case XXXX : XXXX, XXXX ( XXXX ) is in receipt of XXXX XXXX complaint dated XX/XX/XXXX. Initially, we note that the consumer mentions XXXX XXXX in the complaint. Please be advised XXXX is an authorized servicer of XXXX XXXX, a division of XXXX XXXXXXXX XXXX ( XXXX XXXX, and neither XXXX nor XXXX do business as, or are affiliated with, a XXXX XXXX. Prior to our receipt of this complaint, XXXX XXXX loan transferred to XXXX XXXX on or about XX/XX/XXXX and is currently neither owned by XXXX nor serviced by XXXX. In addition to our above investigation and response, we have communicated the consumers claims to his current loan servicer, XXXX XXXX, as a courtesy.Any further questions regarding this loan should be directed to XXXX XXXX. 

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX. This account needs to be removed from my report. Not only did XXXX XXXX and XXXX  partake in illegal practices, they submitted fictitious documents and lied in their responses stating they haven't contacted me and the account was never with XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. Also the agreements do not contain my signature anywhere. The collection listed by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was removed from my report due to illegal debt collection practices and failure accurately verify the information. If this is no removed, I will have no other option but to gather my documents and turn it over to an attorney to pursue in Court. 

The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from abusive, unfair, or deceptive debt collection practices, which this lender has violated along with the debt collector they hired who submitted in writing that they were closing the account in their office and sending back to XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names.
Product: Credit reporting or other personal consumer reports

UPDATE PROFILE. 

DELETE THIS ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XXXX XXXX, NY XXXX. 


DELETE INFO IN EMPOYMENT DELETE NAMES : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Starting XX/XX/2019 I attempted to get an FHA loan in order to purchase the house I currently rent. Initially I was informed of closing cost, liquid assets needed, and the basics of the fees and process. This process sounded very basic cut and dry and at first the people I dealt with through Quicken Loans office in Michigan were great to work with. But then this process continued to drag on for 5 weeks with everyday more money required. We even had set 4 closing dates and at the last minute I would be told that I had lost approval again and this amount of money would clear it up and get it on track. The final attempt was when I received a call stating the day before closing, that I had lost approval again and would need a minimum of {$1500.00} to get it back on track. I stated that I could not afford anymore. The gentleman then asked what I would get paid on my next paycheck. I told him {$1100.00}. He replied that would do. How has it needed a minimum of {$1500.00} but suddenly {$1100.00} would do. I replied that I still had bills to pay and had to live. He replied that I should hold off paying my bills and close on the house. No reputable lender would ever suggest not paying your bills. That is when I called it quits. I have since found many complaints regarding this specific office location. I called our local title company to see if they had had any issues with this process on their end. They had never received full disclosure of fees themselves and had even found that their compensation was set to pay to Quickens own title company rather than this office that was selected to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, XXXX all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All last year I have disputed incorrect information placed on my Experian and XXXX  credit report. XXXX XXXX has placed themselves on my report as me owing a debt to XXXX in the amount of {$1200.00} and stating that the account was opened in XX/XX/XXXX. Experian refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX but is XXXX/XXXX whom I have been with since XX/XX/XXXX.
Product: Checking or savings account

We are the account holders of a Santander Value Checking Account, # XXXX. For many years ( including from the previous banks that were in turn acquired by other banks, until the account was acquired by Santander ), we received monthly statements. The last statement we received was in late XXXX, for the period XXXX. The balance in the account is {$2400.00}, an amount which should remain stable - our account is charge-free with a minimum deposit ( which we have ). We have not authorized anyone else to access these funds. We are pensioners, and we kept this money in our account for a rainy day. When we need to use these funds- they vanished! In phone calls to the bank ( the latest call on XX/XX/XXXX ), the service representatives claimed that no such account exists. In a previous call, the representative transferred me to the Unclaimed Property Division of the Massachusetts state government ; an online search did not find any property under this account number ; a search on XX/XX/XXXX had the same result. When I spoke with a representative ( " XXXX '' ) on XX/XX/XXXX, he could find no record of this account, and said I should go to my branch- despite my telling him that we have had no branch for decades, due to the series of bank acquisitions. Santander has made no effort to inform us of any change in the status of our account, despite the bank 's having our mail address- where we received monthly statements, and our e-mail address - over the years we received season 's greetings to our e-mail account. Neither our mailing address nor our e-mail has changed. Please help us to recover this sum!
Product: Checking or savings account

On XX/XX/XXXX I went to my chase bank branch in XXXX oregon to deposit cash into the ATM, like normal I put my card in, passcode, and pushed deposit, cash then proceeded to put my cash in. Once my cash was in, all of the sudden a screen came up, telling me that I need to call a certain number to make sure that my deposit went through. It did not even give me a receipt with the amount I had just deposited, it simply gave me a receipt stating that I need to call a certain number to make sure that my deposit went through. I then went to the window because this is never happened before, the lady at the window was extremely rude and told me she can't help me. She has no explanation and I need to call the number on the receipt. I called the number on the receipt gave them my information and they did nothing except get my receipt information that I had and tell me I need to make a claim which I did and that they need to investigate it if they have not investigated it before XX/XX/XXXX than I should have a temporary credit on my account. I had first but I deposited {$900.00} into my account, but then I realized I use some of the cash the day before about {$50.00} so then I called back to let them know that I actually had deposited {$850.00} into my account and the person on the phone said that the exact number doesn't matter and won't affect whether my claim is denied or excepted. so I have been patient. I have been calling and today someone said that my claim was denied. It should be on video I have a receipt. I gave them my receipt information. The first call and I still have it but my claim was still denied. I have a child, rent, and other responsibilities to take care of. They took my money from me and they're not giving it back. Please help me to get my money returned to me that I worked hard for.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. 

Remove Incorrect Name- XXXX XXXX XXXX ID # XXXX Remove Addresses- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Numbers- XXXX ; XXXX These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below : Remove Hard Inquries as I did not authorize : XXXX XXXX XXXX  XX/XX/year> Please remove immediately. 

Thank you- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also attached my credit report and letter showing that experian is in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting inaccurate information on credit report after promising to delete account from credit report after paying balance in full
Product: Credit reporting or other personal consumer reports

My Experian credit report lists two closed " XXXX XXXX '' student accounts that have a negative status, which show a 90 day late status from XXXX. 

XXXX XXXX did not take over my student loans, as my loan service provider until XXXX of XXXX. When I call XXXX XXXX, they tell me that there is no negative status showing in any of my accounts, and when I challenge this inaccurate information on my Experian credit report, they tell me that they have verified that the information with XXXX XXXX is correct and will remain on my credit report. 

I have disputed this over 4 times with Experian, and sent copies of the negative marks on my credit report to XXXX XXXX showing them that they reported negative 90 day late payments from XXXX. 

I have requested that XXXX XXXX provide me a letter, in writing sent to my address : XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, MI XXXX, demonstrating the date that they took over my student loans, which was XXXX of XXXX. 

I am asking that these two entries on my credit report be deleted on all 3 of my credit reports, since I did not have a business relationship with XXXX XXXX in XXXX. 

They can only report to the credit bureaus for the period in which they were my student loan provider, which began XX/XX/XXXX. All other entries prior to XX/XX/XXXX, need to be removed, or the two old loan accounts displaying inaccurate information need to be removed.
Product: Money transfer, virtual currency, or money service

I went to a website XXXX to buy a puppy and was scammed. I sent XXXX to XXXX XXXX via Zelle on XXXX. I reported the issue and disputed the denial several times and was told nothing g could be done
Product: Debt collection

Company was unresponsive at first, and then responded rudely after a while. There have been no updates after that call on the XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.