23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I received a knock on my door on XX/XX/XXXX. With a person handing me a subpoena to go to court from velocity investments, previously owned by prosper marketplace. I have never done any business or had any dealings with this company. They claim that I owe them money from a loan that incurred on my name dating back from XXXX or XXXX of XXXX. This was a person using my information to commit a fraud. Other than a student loan that I am currently paying, I did not open any other personal loans from that date or present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find the Experian is very uncooperative with regards to security freezes. I am trying to temporarily lift my security freeze but their website will not allow me to do this online despite my verification of my personal information including the fact that I am providing the PIN they gave me when I signed up for the freeze. I was able to lift my freeze last XXXX but for some reason their website will no longer allow this. 

I see no reason why Experian will not allow me to temporarily lift my freeze online when I am able to verify all of my information. The telephone number they provide for support simply gives instructs to mail a letter which is not acceptable. 

Because they are holding my credit XXXX I am loosing out on my ability to refinance my mortgage at a lower interest rate.
Product: Prepaid card

My daughter, who is a minor has received Google Play cards as gifts. She kept them for years since they don't expire. She tried to add them to her account in XXXX of XXXX  and they were denied by Google. They instructed her to send copies of the cards and the receipts. She didn't have receipts because they were gifts and she was never given a receipt with them. She still sent them pictures of the cards but they denied giving her the credit since she could not provide receipts. Google has no live Customer Service number that is active. The number XXXX or XXXX never are open.You can call there anytime any day and they will tell you they are closed. If you spend a few minutes on the internet you will see that many people can't get their Google Play cards to work and can't get any credit- even when showing receipts. If they never expire we should be able to give them the numbers and be able to use them, regardless of not having a receipt. If there is a lot of fraud with Google Play card ( ie people stealing the numbers etc or selling numbers ) - that's not the consumer 's fault. Google should have a way to track the cards and deal with the fraud instead of ripping off consumers. The people that bought her the gift cards lost {$150.00}. This is just a blatant theft from consumers. Not to mention that Google 's customer service line is basically fake- and ALWAYS says they are closed. I would not recommend using Google Play cards.
Product: Mortgage

I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I dont recognize these accounts and inquiries except my recent vehicle purchase and XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed a erroneous name reporting on Experian credit report which is XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. EXPERIAN responded on XX/XX/2021 with an XXXX XXXXXXXX reply saying that I need to investigate who creditor is reporting that name and contact them directly. sorry EXPERIAN but that is your job not mine EXPERIAN YOU ARE THE ONE REPORTING INACCURATE INFORMATION NOT ME you need to investigate and provide me as the consumer with your METHOD OF VERIFICATION which I am allowed to ask according to section 611 of FCRA I want to know : Which creditor you talked to, name of the person you talked too, what prove they provide to verify thats this is me indeed what do they have please send a detail list of the people you spoke too during this investigation thx.
Product: Credit reporting or other personal consumer reports

Letter to Remove Inaccurate Personal Credit Information Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect personal information is incorrect please delete or I will LITIGATE Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely,
Product: Credit card

Called today to report charges made by an application that has my card information and found out my account is closed and they were not able to provide me with an answer as to why. Now I owe this money on transactions I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017 Bureau of Consumer Protection  Federal Trade Commission   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX   RE :  FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Wh om It May  Concern : On  XXXX   XXXX ,  2017, I   received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand tha t may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX account with Equifax and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Equifax states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

During a Consumer Credit Audit, I was interested to discover that Experian has been and continues to report discriminatory/HIPPA violating information on my consumer credit report. Also, after careful research, I have also found that Experian is not conducting Accurate investigations into credit inaccuracies and completely disregarding the concerns of me as a consumer to have fair and accurate consumer reporting. Between XXXX  and XXXX  XXXX, I have been contacting Experian to do an accurate and thorough credit investigation into my XXXX status being displayed on my consumer report, inaccurate names being used on my consumer report, undeliverable addresses being used on my credit report and inaccurate alleged " debt '' being reported. I have the right to not be discriminated against based on bias/ inaccurate damaging information, and I have concluded that Experian is doing whatever they want and not abiding by consumer laws for fair and lawful practices. According to a lawsuit filed by the CFPB against Experian published on the XX/XX/XXXX, Experian has a record of not conducting accurate or minimal investigations into the complaints of consumers. This has to stop immediately. I have also submitted prior communication attempts as well as proof that Experian is only one between the three bureaus who refuses to acknowledge or even correctly investigate any disputes. XXXX and XXXX have both investigated and deleted the inaccurate or incorrect information ( see attachments )
Product: Credit reporting or other personal consumer reports

Unauthorized possession or use of " XXXX XXXX XXXX '' and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 
Any use of " XXXX XXXX XXXX '' and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX ( {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 
Placement of " XXXX XXXX XXXX '' O on any document associated in any manner with My estate or Me, XXXX XXXX XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions d terms so stated and set forth herein.
Product: Credit card

I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. 
Today is XXXX XXXX 2016 and the {$3000.00} still show in both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ON XX/XX/2015. 
CHARGED OFF IN XX/XX/2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY XXXX  AND EXPERIAN HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like LVNV Funding LLC to remove all these accounts from all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I have lots of names and addresses on my consumer report that are not mailable addresses and not my XXXX giving name. 

XXXX XXXX, XXXX XXXX XXXX is not my name Correct name : XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all not mailable addresses
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I placed order for XXXX XXXX XXXX XXXXXXXX XXXX with XXXX XXXX using Klarna 's pay in 4. Order was successful, got billed buy Klarna via my credit card. Then order was canceled by XXXX. I called XXXX multiple times and with each call that drops leading me to interact with different support personnel. XXXX different ridiculous reasons for canceled order : Reason 1 : ( attached XXXX ). 

Reason 2 : ( attached XXXX ) Reason 3 : Billing address mismatch. 

I decided to let XXXX sales assist with the order over the phone. At the checkout, Klarna forward a notice " Sorry we can't approve your order '' After XXXX canceled this order, my Klarna account was somehow flagged and simply stopped working everywhere. I called XXXX and they told me its not their problem. 

Till today XX/XX/year> my Klarna account is still not working. I have tried all these troubleshooting steps below but none has worked so far : XXXX. Removed connected bank XXXX. Re-added bank, removed and added a different bank XXXX. Removed credit cards, added different credit cards XXXX. Waited 24 hours, 48 hours 72 hours even a whole week XXXX. Created a new account with same details XXXX. Had Klarna delete old account then recreated account. 
XXXX. Reset link for facial and ID scan will not accept my foreign issued passport. 

I tried creating one-time card then I realized there was an Averse Action Notice that stated " Klarna couldn't verify my identity '' I have engaged with Klarna multiple times throught out the month to at least try and verify my identity to continue my service but as usual, customer support just reads outs what I can only assume they only thing they can say and not actually fix a problem. 

If the solution is as simple as verifiying my identity, I'm not quite sure why I have been receiving such awful services since I joined Klarna. 

Just like the discriminatory financial firms i've come across, Klarna simply just doesn't care about XXXX person not having access to their platform.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following accounts : XXXX Account number:XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed address below is inaccurate and violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Hello I have direct Deposit to my Netspend card from my job, I was supposed to receive my deposit XX/XX/2018, I technically get paid the XXXX but with what they advertise it will be 2 days faster, here it is XX/XX/2018 and nothing. Still no deposit I called several times yesterday and was provided no information at all, yes my employer sent my money over, I have my paystub with last four of netspend account number, still not there. First time i called they said and hour that was at XXXX XX/XX/2018 by XXXXXXXX XXXX same day I called back cause zi still have not received my money. They told me wait a few more hours. I called again and was told XXXX is having direct deposit issues. All I want to know is where is my money, I have rent to pay bills to pay this is so unfair. My deposit was for {$1000.00} They are not playing fair I couldn't get any time frame when I will have my money They have my money but no answers
Product: Money transfer, virtual currency, or money service

Pay Pal Complaint PayPal is holding {$90.00} of my funds. " They '' wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. " They '' insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers vulnerable to hacking so much information about myself. They already have my SS Number, my credit cards, my phone, address, e-mail all verified by them many times over. Now they want my banking account on top of it. 
I unsuccessfully discussed this issue with several PayPal employees. 
Please make them send me the {$90.00} they owe me
Product: Debt collection

On XX/XX/2018 at XXXX we received an automated call asking to call CAPITAL ONE at XXXX. We can not proceed with having our number removed as there are hundreds of company numbers that lead to this line and the automated call does not give the option to be connected to an operator
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.
Product: Credit reporting or other personal consumer reports

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on XXXX  rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX  loan accounts is a violation of my privacy which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are showing XXXX XXXX XXXX XXXX on my credit file, however, this property was sold via a nonjudicial proceeding file no. XXXX on XX/XX/2023. 

I have already provided all credit reporting agencies with a copy of the Trustee 's Certificate of Sale.
Product: Checking or savings account

In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX  business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. 
The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX  and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX  from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. 
As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently XXXX XXXX