23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card, loans and Collection. XXXX XXXXXXXX XXXX on XXXX, under the account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, under the account XXXX, XXXX XXXX LL on XXXX XXXX, XXXX  under the account XXXX.These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Consumer Loan

My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I noticed a payment on my account in the sum of {$6200.00}. Immediately I reached out to Great Lakes to figure out what this payment was about. I customer service agent I spoke with told me it was a payment made by USDA on my loan and it was an actual payment and was correctly applied to my account. Then on XX/XX/XXXX, almost a year later, I receive a call from Great Lakes informing my that was account was past due by 351 days and I owe them {$1100.00} immediately and another {$1400.00} by XX/XX/XXXX to get my account current. I asked them when this came about they informed me that the payment applied to my account was applied incorrectly, and removed from my account. I asked the account specialist I spoke with and was informed my statements were correct, but if they were correct then the payments should still be on my account but they can't give me an answer beside the fact it was applied wrong account.
Product: Student loan

I am filing this complaint against NELNET for their lack of clear communication regarding my federal student loans and their failure to provide sufficient hardship options in the current economic climate. 

The transition from XXXX XXXX to NELNET has been confusing and stressful. The governments handling of student loans has been inconsistent, and servicers like NELNET have made it even more difficult for borrowers to understand their options. Unlike XXXX, which previously allowed deferments and payment skips, NELNET has not been offering similar hardship options, making it nearly impossible to manage my loan payments. 

Due to these difficulties, my student loans have become more than I can afford, yet I have not been able to secure reasonable assistance from NELNET. Instead of providing clear guidance on deferments, forbearances, or income-driven repayment plans, their communication has been vague, unhelpful, and frustrating. 

As a result, my credit score recently dropped by XXXX points due to issues with my student loans. This has significantly impacted my financial well-being, making it even harder to keep up with other essential expenses. NELNET has not shown any consideration for borrowers facing financial hardship and has failed to provide the level of support that previous servicers, like XXXX, once did. 

I am requesting that NELNET : Improve their communication regarding available hardship options. 
Offer deferment or payment relief programs similar to those previously provided by XXXX. 
Work with borrowers experiencing financial hardship instead of allowing loans to negatively impact credit scores without offering real solutions. 
Correct any potential reporting errors that contributed to the drastic drop in my credit score. 
I urge the CFPB to investigate NELNETs handling of borrower communications and financial hardship programs, as many borrowers are facing similar struggles. 

Thank you for your time and attention to this matter. 

Desired Resolution : Provide clearer communication about available repayment options. 
Reinstate temporary deferment or forbearance options for borrowers in hardship. 
Address and correct credit reporting issues caused by NELNETs policies.
Product: Debt collection

Over 10 phone calls on XX/XX/2022 alone. This amount of calls has been going on for weeks. I have not answered because I dont want the XXXX to start over. I have not received a letter to validate this debt either.
Product: Checking or savings account

I opened an Account with Wells Fargo XX/XX/year> I was highly discriminated by Wells Fargo offered a credit card for {$700.00} and due to my disinterest in the service provided by Wells Fargo they in turn shut my account down charging me fees. Wells Fargo impeded me from starting my business My address has changed since then so I cant receive communication from them I have the screenshot
Product: Debt collection

Hello, I went to XXXX XXXX XXXX for an MRI. I was told at the time of service that my total due for the co-pay for the service was {$200.00}. That was a lot of money, but I had a neck injury and had to have the test. I paid the {$200.00} co-pay that was requested, which XXXX XXXX has acknowledged. 

Months later I received a bill from XXXX XXXX for {$1200.00}. They told me that they quoted me the wrong price at the time of service, and that I owed them that {$1200.00}. I explained to them what happened and that there must be a mistake. They agreed to look into the situation further. A month later they got back to me and said I owed them {$1200.00}. We did this 4-5 times, each time telling me they were sorry for THEIR mistake, admitting their error, but essentially saying sorry, but I still had to pay. I explained each time that I never would have agreed to pay for that test, I couldn't have. I explained repeatedly that it was their mistake, and what they were doing amounted to a bait-and-switch for service payment, which was essentially illegal, an no one I spoke to cared. 

Then XXXX XXXX sent the payment to collections, and I have been getting 2 phone calls a week for months. This is harassment, and for a debt that I do not owe, because of mistake XXXX XXXX made.
Product: Checking or savings account

I opened a personal checking account with Chase Bank account on Thursday XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX deposited {$6000.00} in US currency XXXX I.e., cash and a cashiers check for {$74000.00}. After the account was opened, I asked the XXXX XXXX to assist me with a domestic Wire Transfer in the amount of {$5500.00}. I was the recipient of the wire transfer. 


An XXXX later, I got a call from Chase to XXXX me that the wire transfer was denied because the funds that I deposited would not be available until the next Business day even though I deposited {$6000.00} in cash. The Chase representative asked me the reason doer the wire XXXX told me to resubmit the wire on Friday XX/XX/XXXX. 

On Friday XX/XX/XXXX, I t returned to the same branch and requested the XXXX XXXX to walk me through the steps to initiate a wire Transfer from my account myself. 

I resubmitted the same witw transfer that the branch XXXX completed on Thursday XXXX, which should have been approved since I deposited {$6000.00} in cash. 

Within XXXX minutes of resubmitting the new wire transfer. My online account was abruptly locked supposedly due to suspicious activity and was told to contact the chase XXXX department and. after being on-hold for XXXX minutes on-hold, I was told that Chase made the decision to close my account without any explanation or reasons. 


After this happened. I spoke with the branch XXXX to find out what happened, and after the branch XXXX called the back office. they wouldnt tell him anything either. 

I inquired about getting my funds in the amount of {$80000.00} and was told the bank was holding my {$80000.00} for XXXX business XXXX calendar days with the excuse that Chase would be conducting review before my funds would be sent to me. Since the bank made the arbitrary decision to close my account there is nothing to review. 

I demanded that my funds be returned immediately and was given the same XXXX  excuse about the need for XXXX conduct a review. The bank is using my {$80000.00} funds free of charge and limiting access to funds. To further exacerbate the issue, I told the bank that was leaving for a trip to XXXX XXXX on Sunday XX/XX/XXXX for XXXX month and the bamk wil not release my finds until XX/XX/XXXX. 

There is no valid reason for Chase to have free use my funds for XXXX calendar days and I need your assistance to immediately receive my {$80.00} prior to my departure to XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered these report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX CO XXXX Balance XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 10/04/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MNET Financial shows up on my XXXX Credit report as of XX/XX/2018. I have written MNET on 3 occasions to validate this alleged debt and they completely have ignored my letters via the U.S. Mail. The 30 days they had as per the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act have passed and therefore, it is a frivolous claim on their behalf. 

They have failed to notify me of my right to dispute the debt ( Section 809 FDCPA ). 

They never responded and they failed to verify of the debt. 

The Fair Debt Collections Practices Act States " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor. '' They have failed. 

Additionally, being a resident in the state of Texas, MNET Financial also has willfully violated the Texas Fair Debt Collections Practice Act, State Statue 392.202. They have notified me to please send them confirmation of the final XXXX XXXX XXXX XXXX disposition so they can further investigate. 

As of XX/XX/2018 : 1 .I have also notified the Federal Trade Commission . 
2. I have also sent a formal complaint to the Texas Attorney General 's Office. 
3. I have spoken to outside counsel and presented all of the evidence of this willful and deliberate violation where it is also causing continued financial harm. 

MNET Financial , Inc. until the close of business on XX/XX/2018 to remove and delete this credit trade-in from XXXX or I will file a lawsuit both in State and Federal Court against MNET Financial for willfully violating all Acts and causing continued financial harm by being denied credit and employment. 

Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says my credit score is XXXX When I go to Experian it say XXXX I want a paper copy sent to me in full detail. 
I paid off a car in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your company supplied from Equifax involving the XXXX - CARD SERVICE account posted on my credit file. 

This item XXXX - CARD SERVICEXXXX.I am requesting that Equifax have the item removed [ or request another specific change to correct the information. ] This account was paid and settled with a debt collector. The account number is also incorrect and have not been properly identified. 

Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

In early XX/XX/2022, I received a credit alert of a Debt Collection on my credit report. It was for an energy company called XXXX XXXX XXXX for {$140.00} being collected through a company called Transworld Systems , Inc. I disputed this account since I had no knowledge of it and believed it to be fraud. All three disputes went through successfully. I froze my credit shortly after. 
Then on XX/XX/2022, I received another credit alert of yet another Debt Collection on my credit report. It was for a different energy company this time called XXXX XXXX XXXX XXXX for {$360.00} being collected through the same debt-collection agency, Transworld Systems , Inc . I disputed this report for error on all three company websites and also place a Fraud Alert with all agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account : XXXX XXXX with account number XXXX has violated my rights. 

XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXAs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfers

Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/year>. I saw many hard inquiries that did not have permissible purpose. I have attached evidence. 

XXXX. The following inquiries have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had a XXXX  credit card that was sold to XXXX bank. XXXX  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once XXXX  sold to XXXX, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with XXXX  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Synchrony reported a negative balance against my credit and they refuse to correct course. 

Not only this they are using bots to booste their consumer scores in house giving the appearance of a successful company.