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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX overseas, a charge was made in XXXX to pay for XXXX charges using my AMEX XXXX card. The total amount was {$20.00}. I did not receive this notification until a couple months later because I did not have access to any internet at this period of time during my XXXX. Due to this delay in connectivity, a 30 and a 60 day penalty fee wound up appearing on my account for this charge. When I returned from this XXXX, I contacted AMEX on XXXX XXXX, XXXX to file a fraud claim for this charge and I explained to the team that I was no where near the location of this charge during the entirety of my time overseas ; therefore it was impossible for me to make these charges. On XXXX XXXX my first fraud claim was opened and ultimately resolved in my favor. I waited 30 days to receive my supporting documentation letter stating the results of this case, in which the letter never arrived to me. I needed this form to file my claim with the Credit Bureaus to repair the negative annotations on my credit report and ultimately the damage to my credit score this has caused. ( I filed a dispute with XXXX to remove the negative annotations and it was denied due to no supporting documentation of my fraud claim. ) After this 30 day period of waiting, I wound up contacting AMEX 3 separate times roughly two weeks apart from each call to have the fraud department resend the letters to my address on file. After multiple failures to receive this letter, I changed my address on file and requested yet again to receive the letter which also failed and I still never received. Since the day I changed the address on file, the amount of times I've contacted AMEX to receive the letter has risen to XXXX. 

On XXXX XX/XX/2022 over another phone call I was told by a gentleman who worked for Sunrise in the AMEX XXXX department that " the previous representatives I spoke to never sent the letter because they could not find my fraud case. This is when I was made aware that since it has now been 10 months since the charge, " the files disappear and made it difficult to locate my case. '' At this time during this phone call I was advised by this gentleman to have to open yet another fraud case regarding the same claim in order for a supporting documentation letter to be re-generated and sent to me. I have since done so and have failed to receive any kind of documentation regarding my claim, nor have any physical proof of a fraud claim other than my two case numbers. 

Since AMEX refused to do so themselves, I have exhausted all options on my end to receive a letter of supporting documentation so I can properly file my dispute with the credit bureaus and have the negative annotations on my credit report be removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I have had a Discover card for over two years and also opened another Discover card. I pay the accounts on time and in most cases in the balances in full each month. Discover attempted to  get me to sign a document with XXXX  to obtain my tax records. I didnt feel comfortable allowing this.XXXX  has caused damages to others in the past with breaching consumers. I reached out to an attorney within Discover around theXX/XX/XXXX who advised me not to sign any document and he said this didnt sound like anything Discover would do and he would have another attorney at Discover contact me back that still has not happen. I reported this to to the office of the president they have not had any further contact as promised that was on XX/XX/2020. I  received a letter sent to my email stating my account was closed because of a business decision and it will be reported as closed by grantor and it will impact my credit score .My credit score has  dropped severely because of this action from Discover. No payments are posting to my accounts. The card is being reported to merchants and businesses that I have reoccurring payments as fraud. This is now affecting my credit and defaming my character with the businesses I deal with. Im not the only person this has happened to I have relatives and people on XXXX who had their accounts closed.
Product: Student loan

My student loans were transferred from Great Lakes to Nelnet within the last two years. These student loans originated from XXXX XXXX XXXX With that being said, XXXX was involved in several litigations within the past decade due to their sudden closure and other predatory practices conducted. I have received ten or more official notices from the Dept. of Education, Great Lakes, and Borrower Defense to Repayment all informing me that these loans have been forgiven and will be paid in full and removed from my student loan servicer and taken off of my credit report. It wasn't until XXXX of this year that I actually saw the payment go through on my Nelnet account and all of my loans were cleared out as a result. It is impossible to contact Nelnet in general, but I was miraculously able to get through back in XXXX and the representative I spoke to confirmed that my loan balance is at XXXX and the credit bureaus would be informed and my loans removed from there. However, they have not followed through on this and have done some suspicious things since then. This was the only time I was able to get through to someone. For example, in XXXX I got a notice from my credit monitoring service that these loans were removed from my credit report. I was relieved and thought that this would be the end of it. Well, I was definitely mistaken. XXXX weeks later in XXXX, they added the student loans back onto my credit report and increased the loan amounts in the process. They have also done this again in XXXX, minus the removal and reapplication of the loans, just the increase in amounts. They also marked them as " installment loans '' which makes no sense. My loan balance is completely zeroed out per my Nelnet online account and official notice from the Dept. of Education, so why in the world are they doing this and able to get away with it? If they do not correct this mistake I will be taking them to court to make sure this gets resolved once and for all. 

They state that the data reported to the credit bureaus from XX/XX/2023 shows that my loans have been discharged and this is false. As stated previously, they took all of the loans off of my credit report beginning in XXXX and reapplied them back on there in XXXX. In XXXX, the only update was that they reported them as " installment loans '' and added to the balance of each individual loan. They did not report them as XXXXischarged at all, otherwise they would have been removed. 

I actually just put in a dispute through all of credit bureaus in XXXX and it was resolved a few days ago. In that, they stated that Nelnet is reporting the loans as not discharged and that they are installment loans. I will not accept this matter as resolved until all XXXX loans from XXXX are accurately reported by Nelnet as discharged and removed completely from my credit report. I can not trust that this will be done on it's own within the timeframe allotted after what they pulled so far.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XXXX XXXX we had the cfpb on the phone to talk with XXXX XXXX XXXX GA. 
She closed are account with no cause! 

XXXX XXXX Co XXXX for {$630.00} Fake wirer fee {$16.00} on XXXX XXXX Fake Digital Banking fees with no transaction for {$3.00} on XX/XX/XXXX XXXX XXXX for {$130.00} on XX/XX/XXXX XXXX XXXX {$130.00} on XX/XX/XXXX We have more from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but bank closed account for no reason XXXX XXXX XXXX XXXX : Closed - Opens at XXXX XXXX  Friday XXXX XXXX XXXX XXXX, Georgia XXXX Located next to the XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX NO LAST NAME REFUSED TO RELEASE After several attempts the manager at XXXX GA first Citizens Bank has XXXX and XXXX XXXX comments and discrimination comments about our company and our political beliefs of helping XXXX with XXXX XXXX helping the homeless and the veterans she is in line as a XXXX XXXX XXXX XXXX XXXX 
She illegally close the account and made horrible claims about XXXX  XXXX being a XXXX  XXXX when she's the one that's a XXXX and then she shut the account down and stole over {$3000.00} and left charges on our account that was disputed properly with no evidence of any receipts imprinted the card and she does absolutely nothing under consumer protection rights as a banker she should be arrested and fired or both. 
The bank has placed numerous charges on the account that have been placed in dispute because the merchant is out of stock and they refused to credit the account or look into it they keep on stating that we need to contact the merchant directly the laziness of this bank is quite frankly mindboggling and they should be sanctioned the consumer protection Bureau needs to do something to protect the people which they never do let 's see what we can do this time around this is absolutely disgusting On XX/XX/XXXX First Citizen Bank decided to close my account because I filed a complaint with your agency they said since I filed a complaint against our bank we are shutting your account down. 
this bank is run by a bunch of corrupt officers that steal money from your account and refuse to investigate valid disputes from the merchant they produced no paperwork they produced no signed signatures no imprint of the cardinal swipe nothing and they said your claim is hereby denied when there was no goods and services rendered. 
this bank is worth billions of dollars for a reason they file claims collect the money in a pocket the cash and XXXX the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached not only by XXXX but also by XXXX none of the following accounts belongs to me and was open or done fraudulently without my consent or knowledge XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$810.00} Closed
Product: Student loan

Failed to send paper statements when requested. Customer service giving misinformation including lying about contacting us about late payment. Auto payment system says it is set up when it is not. Reporting derogatory to credit bureau without contact. Saying they cant take off derogatory because they followed their proper procedures when they did not. 

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

Account Name : : NCC BUSINESS SVCS INC,XXXX ... I have a judgement on my account for ( eviction ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/XXXX ( 3years 5 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which this one have not. I am requesting this one judgement be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was sending money when XXXX first came out and it went to the wrong account and I didnt know I couldnt get the money back. I called my bank and they told me there was nothing that they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I have no knowledge of each of these accounts and have lived in XXXX for the last 13 years. All these accounts are fraudulent and I have never had a credit card in the U.S. since I moved to XXXX when I was XXXX. I have contacted these companies and was told I would receive a fraud package in the mail which I never received. I have also disputed these accounts with Transunion.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. 
They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On Thursday, XX/XX/2022, I received an alert regarding my credit cards being over the limit. I have paid my credit card for the month of XXXX and I was not over the limit. Only when Capital One placed the interest charges on my credit cards that my cards went over the limit. I tried to speak with a supervisor her name was XXXX ID # XXXX. As always the supervisors are rude as ever! There was no resolve for the problem by contacting the company as usual! I am not saying that I am not responsible for the interest charges but I did not make my credit card go over the limit. I should not have my credit score lowered because they put the interest on the card that makes it go over the limit. My score went down XXXX points! 

I know that I am not the only person having issues with Capital One Card services. I wish that CFPB, The Federal Government, and The United States Treasury would do something about this company! They are horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize no hard pull of my credit from the following companies. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a checking, savings, and cd account at Webster Bank. My branch is in XXXX XXXX XXXX, in XXXX, XXXX, New York XXXX I check my accounts everyday online. I am very concerned about all of the scams that have occurred. On Friday, XX/XX/XXXX, I checked my accounts using the usual user name and pass word. On Saturday, XX/XX/XXXX, I was denied entry. I tried four times. I called the central office at XXXX, and I established a new user name and pass word. I was very upset about this because It didn't make sense that I couldn't get in with the usual pass word. My husband and I went to the branch at XXXX XXXX XXXX and spoke to a young man named XXXX. We changed the pass word again, and he said he would discuss the situation with the manager, XXXX, on Monday, On Monday, XX/XX/XXXX, I called the central office again and spoke to the fraud department about my concerns. I was concerned that my pension check had been deposited into my checking account on Saturday XXXX, and I was not able to enter my account on that day. I felt that someone may have entered my account and changed the codes. Saturday is a slow day for banking and the checks are not usually direct deposited on Saturdays. I was expecting it on Monday, XX/XX/XXXX, but I check my accounts everyday by force of habit. XXXX called me from the branch on Monday, XX/XX/XXXX after I called the central office. She said the original pass word had been restores and the new pass word was still usable. She said the confusion was that my husband and I had two different accounts. We have never established two accounts. We always only had one account together. I am concerned that the original user word and pass word were deleted mysteriously and then reappeared mysteriously after I established new does. I fell that someone tampered with my account. I ask that this situation be investigated.
Product: Credit reporting or other personal consumer reports

The Collection Account in question does not belong to me. I've repeatedly requested the original contract and any signed documents linking me to this account from the reporting agency, XXXX XXXX XXXX, to no avail. 

I've never held a XXXX account and have asked for any contract associating me with it, again with no success. Their claim of {$610.00} is baseless as it's not my account but rather a fraudulent one. 

XXXX XXXX account has overstayed its welcome on my credit file, surpassing the permissible duration according to consumer laws, and should have been removed by now. 

Regarding the XXXX XXXX account, I've disputed its authenticity and requested XXXX to provide any documentation linking me to it, but nothing has been forthcoming. 

Furthermore, accounts settled and paid should not linger on my credit file beyond the stipulated timeframe set by consumer laws, including the XXXX XXXX XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX   XXX {$730.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. As well as a repossession on the following date : XXXX and XX/XX/year> and has since been a double repossession This is an update in the payment history. 
A charged off account should not include and active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights! 
I am demanding a deletion of the following account : XXXX XXXX # XXXX