23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/ I requested that Nelnet provide a refund of the payments I made during the pandemic forbearance. They agreed and said the reimbursement would be processed. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I made attempts to contact Nelnet via their customer service line. In addition, Ive attempted to use their contact form. As I recently moved from the XXXX I have had significant trouble getting ahold of someone. While on the phone, the automated machine asks that I supply my social security number, date of birth, and 5-digit post code. My post code is no longer 5 digits, as I live in the XXXX and it is a 6 character alphanumeric code. Because they were unable to verify my account, they noted it would take longer to connect me. After sitting on hold today for 2 hours, I was promptly disconnected. 

In XX/XX/, Nelnet reinstated the balance that I requested a refund for, indicating that they had refunded me. In total, I paid Nelnet over {$6000.00} during the pandemic, bringing my balance to {$20000.00}. After requesting a refund, my balance rose again to {$26.00}XXXX XXXX  Unfortunately, I have not received the check despite updating my mailing address to my XXXX residence, which they assured me was fine to receive a refund check. I would like assistance with either obtaining that check or understanding why Nelnet is fraudulently claiming that I owe XXXX XXXX when I should only owe XXXX XXXX  until they provide that reimbursement. 

Additionally, when requesting the refund in XXXX, I asked if the reimbursement could be refunded to the original payment method. They told me the department of treasury only issues reimbursements in the form of checks. I know this not to be true because my husband received a similar reimbursement from the department of treasury as a refund to the original payment method.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 20th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX : {$110.00} i believe were reporting in error.
Product: Student loan

In XX/XX/XXXX, my student loans were turned over to XXXX XXXX for collection. I made automated monthly payments totaling {$5400.00}. In XX/XX/XXXX, I received a notice that USA funds reported a default status for nonpayment, even though I was making monthly payments. Dumbfounded, I called XXXX XXXX who had been taking my month for three years, and they said, yes, I was in default. I to this day do not understand why, but they walked me through consolidation paperwork. I also requested all payment history with their company as I still did not understand where my money had been going. 
In XX/XX/XXXX, I received notice from the new consolidation company ( XXXX  ) that my principal balance is {$13000.00}. ( My balance as on XX/XX/XXXX with XXXX XXXX was {$11000.00} ) XX/XX/XXXX I called XXXX, and all they could tell me is this was the amount transferred to them. XX/XX/XXXX I called XXXX XXXX to verify the amount they transferred and they claim it to be {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute to Equifax with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB XXXX opinions for FACT checking. 

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what XXXX has written. The consumer controls the credit reporting not the agency. 

It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

XXXX ) XXXX XXXX  - # XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to XXXX if these items are not removed.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding incorrect information on my credit report provided by EXPERIAN. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX which do not accurately reflect my true payment history. 
Issue Details 1. Reporting Errors : According to my records, payments for this account were made on time and as agreed. However, these late payment notations have negatively affected my credit score and, consequently, my ability to obtain fair and equitable financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, requires that information in credit reports be accurate and complete. I have requested corrections to this inaccurate information without success. 
o Truth in Lending Act ( TILA ) : Under TILA, 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. The inaccuracy in reporting this account is a violation of this requirement. 
o Fair Credit Billing Act ( FCBA ) : According to the FCBA, 15 U.S.C. 1666 ( b ), creditors must adopt reasonable procedures to ensure that billing statements are sent at least 21 days before the due date. This requirement was not met in my case, contributing to the errors in my credit report. 
3. Previous Attempts to Resolve : I have made several attempts to resolve this issue directly with EXPERIAN by sending dispute letters and requesting corrections to this inaccurate information. To date, no effective action has been taken to correct the errors.
Product: Debt collection

I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XXXX, XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XXXX, XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with sofi bank. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe XXXX  to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it shows a hard inquiry that I didnt recognize from XXXX that I didnt instigate. On XX/XX/year> it shows a hard inquiry from XXXX XXXX that I didnt instigate.
Product: Credit reporting or other personal consumer reports

I notice that my student loans were once removed from all XXXX credit bureaus. They are now showing back up on my credit report, as owing over $ XXXX. It is reporting on my Transunion XXXX and XXXX report, but NOT on my XXXX. The school XXXX which I attended was also apart of the XXXX v. XXXX case that was filed in mid - XX/XX/XXXX for defrauded while in enrolled. I also have letter from XXXX that student loans have been marked paid in full. They show {$0.00} balance on all sites. XXXX, XXXX XXXX XXXX. 
I am also aware of the serious legal violations and breaches federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 
Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of XXXX : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, with XXXX and XXXX XXXX have breached contractual terms and obligations, rendering these debts unenforceable. 
Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. Complete removal of all student loans and XXXX entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.
Product: Money transfer, virtual currency, or money service

I am currently using the app   XXXX   XXXX   and my bank isnt sending my informati on I request as needed. ( Account balance/banking ). I 'd really appreciate if they started to send my information and be on top of it.
Product: Checking or savings account

In my opinion Wells Fargo is deliberately holding transaction to cause me to overdraft. Transactions pend for too long. My ending balance be positive but I still end up getting an overdraft charge. I called twice and informed to customer service Rep I could afford the overdraft charges and it's very expensive. 

XX/XX/21 Authorized Pro Lock for {$55.00} XX/XX/21 ending daily balanced is XXXX XX/XX/21 ending daily balance is {$0.00} XX/XX/21 overdraft charge of {$35.00} for the {$55.00} transaction ( Received a partial reversal of {$17.00} ) XX/XX/21 Ending balanced is {$390.00} XX/XX/21 Posted credit card payment of {$30.00} XX/XX/21 Ending daily balance is {$360.00} XX/XX/21 Overdraft charge of {$35.00} for the {$30.00} Transaction XX/XX/21 Ending balance is {$5.00} XX/XX/21 Posted transaction XXXX XXXX for {$5.00} XX/XX/21 Overdraft charge of {$35.00} for the transaction of {$5.00} ( Received a partial reversal of {$8.00} ) XX/XX/21 Ending daily balance {$5.00} XXXX Deposit of {$290.00} XX/XX/21 Authorized transaction for XXXX XX/XX/21 Ending balance {$4.00} XX/XX/21 Overdraft Charge of {$35.00} for the XXXX transaction. ( Received a partial reversal of {$8.00} )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, mine financial institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

SCIL , Inc CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX To : The XXXX XXXX XXXX XXXX forSCIL, Inc From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andSCIL, Inc.areauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX, together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The XXXX for my AMEX-Delta card is XXXX %. The balance on my XXXX statement was {$5400.00} and the payment due date was XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my payments and credits toward my balance was {$5000.00}, meaning I had an unpaid balance by the XX/XX/XXXX due date of {$320.00}. 
On my XXXX statement AMEX says that my prior balance subject to interest rate charge was {$3000.00} and I was charged an interest fee of {$72.00}. This interest charge is well above my XXXX and the balance subject to interest rate charges is incorrect. Moreover, I made a payment of {$320.00} on XX/XX/XXXX XXXX XXXX  days after the XX/XX/XXXX due date so the trailing balance only existed for at most 4 days. 
The XXXX billing statement also says that I had {$6100.00} in new charges and a total balance due of {$6200.00} by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made {$6300.00} in payments ( more than the total balance due on the statement ) and a credit of {$85.00}. This is a total of {$6400.00} in payments and credits for that billing cycle an overpayment of {$180.00} by the XX/XX/XXXX due date. 
However, on my XXXX billing statement, AMEX says that {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 
On XX/XX/2023, I called AMEX Customer Care to resolve this issue of incorrect interest charges and the representative told me that the interest charges are correct and a result of trailing interest resulting from being {$320.00} short in my XXXX  billing cycle grace period. I told the gentleman that I disagree and will file a claim with the CFPB. 
I feel that AMEXs algorithm for calculating interest rate fees is grossly incorrect and needs to be corrected. Think of all the current and prior customers of AMEX negatively impacted by this incorrect algorithm. I want to have my account credited for the incorrect interest rate fees.
Product: Credit card or prepaid card

Wells Fargo extended a line of credit for {$8000.00} on XX/XX/2022 in the form of a Wells Fargo Visa Autograph Credit card. Wells Fargo decreased my limit to {$300.00} based on hearsay utiilizing a credit report that is not actual or factual evidence. Wells fargo failed to Clearly and Consciously disclose the terms to me which is a violation of a federal law. Wells Fargo failed to make sure I understand truth and lending. Wells Fargo has breached contract. 
Wells Fargo reason for the decrease was based on adverse information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses listed on my credit report are addresses I Do Not Live At and I would like to prevent identity theft by having them removed from my credit report, I Have attached documents of accurate information.