23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Cease and Desist Demand & Formal Complaint Against Nelnet and XXXX I am formally demanding that Nelnet immediately cease all forms of communication with me, including but not limited to phone calls, emails, text messages, and mailed correspondence, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite my clear objections, Nelnet continues to contact me during inconvenient hours, which constitutes a violation of my consumer rights. This behavior is harassing and unacceptable, and I demand that it stop immediately. 

Furthermore, I am filing a formal complaint against Nelnet and XXXX for failing to properly investigate and correct unauthorized student loan accounts appearing on my credit report. Nelnet has reported student loan accounts to XXXX without a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The U.S. Department of Education does not have the authority to assign a permissible purpose to a third party, making Nelnets reporting an unlawful disclosure of my personally identifiable financial information. 

I took the necessary steps by sending formal disputes to XXXX requesting : The removal of these unauthorized accounts Documentation proving my consent for these accounts to be reported Additionally, I cited 18 U.S.C. 1028A ( Aggravated Identity Theft ) due to the unauthorized use of my private financial information.

TransUnions Failure to Comply : Failure to Verify Authorization XXXX has not provided any documentation proving that I signed a contract permitting Nelnet to report these accounts. 
Failure to Remove Unauthorized Accounts Despite being notified of this improper reporting, XXXX continues to report these accounts, causing irreparable damage to my credit. 
Noncompliance with FCRA ( 15 U.S.C. 1681i ) XXXX has failed to conduct a proper investigation and correct this error within the legally required XXXX timeframe. 
Demand for Immediate Action : Nelnet must immediately cease all communication with me across all mediums in compliance with 15 U.S.C. 1692c ( c ). 
XXXX must delete the unauthorized accounts from my credit report. 
Both parties must provide verification proving my consent, or acknowledge the accounts as unauthorized. 
If this issue is not resolved immediately, I will take further action, including but not limited to : Filing a formal complaint with my state Attorney Generals Office Pursuing all legal remedies available to me under the law I expect a prompt response and full resolution of this matter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : # XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

New and updated information in regards to complaint # XXXX, in the response from Experian I was told : We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachment. In your dispute, you request your accounts to be corrected per law or deleted. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
Again Experian is in Violation of 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) ( A ) ( i ) which states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Equifax refused to place a " security freeze '' also known as a " credit freeze '' on my credit report both by telephone ( to XXXX ) and online ( at myequifax.com ). I tried both ways, and wasted a total of 35 minutes doing so. 

I telephoned the toll-free number that Equifax gave to the Federal Trade Commission for public dissemination for this purpose, a number for Equifax that I obtained from the FTC.gov website. 

When I did speak with an Equifax representative at the end of the 35 minutes I spent doing this, he told me that he was unable to process my request. 

By comparison, doing the same through XXXX  was successful and took a total of 10 minutes, and doing the same through XXXX  was successful and took a total of 3 minutes. 

Equifax didn't put a security freeze on my credit file because it didn't want to. I have no idea why. They are required to do so, and represented to FTC that a member of the public could do this by calling the Equifax toll-free number that FTC then put on its own website. 

I undertook this process after receiving notice from a creditor that someone had tried to obtain credit in my name, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written XXXX letters to get this account updated or removed and account still shows on my personal credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never XXXX me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Product: Mortgage

Twice in 2019 I tried to contact Mr. Cooper, an online mortgage servicer, by email. I often received prompt responses from customer service agent XXXX XXXX. 

However, these responses almost always failed to answer the question posed or escalate the service beyond XXXX. 

In the XXXX of 2019, I reported Mr. Cooper to this site for failure to produce necessary mortgage documents after weeks of attempts. This happened again in XXXX 2019. 

Indeed, an email link on the Mr. Cooper website, to which XXXX refers clients for important documents, " Research, '' seems to produce no responses at all. 

So this is my second complaint to CFPB about Mr. Cooper for the 2019 calendar year.
Product: Credit reporting

This is written in reference to Equifax Credit Reporting Agency. I feel my federal rights are being violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from this company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/misleading information removed from a credit file.I have contacted all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them and etc. I asked for proof of the alleged debt from creditors. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, how is Equifax stating accounts are " Verified '' on my credit report. The letters I receive from Equifax states accounts " Verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their dadatabase is no sufficient verification of information. I prepared to sue Equifax for being such a pain in the posterior to me. I provided more than enough proof to hsve accounts in question removed since my first dispute XXXX 2014. The accounts in question remains to be particularly XXXX XXXX, XXXX, XXXX duplicate XXXX XXXX account with slightly different account numbers, and University XXXX XXXX. Please assist me in anyway possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my EXPERIAN consumer report on XXXX, XXXX XXXX, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX MORTAGE XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 



Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute into XXXX, XXXX and Equifax disputing the XXXX XXXX XXXX XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account Number : XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, RECEIVABLES PERFORMANC, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Checking or savings account

They closed my account and owe me {$1800.00} from an account closed nearly two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP.
Product: Consumer Loan

I was 13 days late on a car payment, the company reprocessed my vehicle without any notification.
Product: Credit reporting or other personal consumer reports

I sent a letter to TD bank on XX/XX/year> requesting that a late payment that they sent to the credit reporting agencies be removed. I attached proof that this payment was made on time. I have not gotten a response back from TD Bank about this.
Product: Mortgage

To whom this may concern I have a very big issue and a very big problem With SunTrust bank I believe they are in federal violation, You usually must be notified at least 15 days before your loan servicing is transferred to a new servicer. ( And I wasnt notified ) During a 60-day grace period, you can not be charged a late fee if you mistakenly send your mortgage payment to the old servicer The new servicer can not report to a credit bureau that payments were late. ( they are reporting me to the credit bureaus 3 months late ) the housing act require lenders or servicers to Give proper notification when the loan servicing is going to be sold. If your current servicer plans to sell your loan servicing, you must be notified at least 15 days before the effective date of the transfer unless you received a written transfer notice at settlement. The effective date is when the first mortgage payment is due at the new servicer 's address. 




In XX/XX/XXXX I took out a loan From XXXX XXXX XXXX   And I set up automatic payments with them to make sure that all payments are made Promptly and On time, in XX/XX/XXXX I checked my credit report to take out another loan, And shockingly I have 3 months Late From a bank That I never dealt with I never took a loan from them The name of the bank Is SunTrust bank After I called them to inquire what is going on They explained to me That They took over my loan from XXXX XXXX XXXX Going back XX/XX/XXXX, I did not even know They took over My loan from XXXX, I never got a notice From them That I have to start making payments to them And now They are refusing to remove the derogatory items from my report, SunTrust Was supposed to contact me To make sure there I know That is they are my new bank And to make sure that I am paying them Thank XXXX I do not have an issue With funds and I can prove it that I had funds in my account. They did not do Their part in contacting me to make sure that I know that they are my new bank, The bank has 3 addresses For me 1- is a p.o. box and 2- is my home address and 3- is the property address The bank claims they sent a welcome  letter To my pill box which I never received They never made any other attempt to contact me or to send me letters to my other addresses At least the property address but they did not And I am losing money each and every day because of them