23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid.

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. 

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA MOTORS FINANCE obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Product: Debt collection

Medical debt on my credit XXXX  credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.
Product: Debt collection

In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
Product: Credit card

I have a Citi Bank credit card called the Costco Anywhere Visa Card. Citi Bank offered me a promotional APR on a balance transfer in XXXX. On XX/XX/year>, I requested a balance transfer of {$2000.00} through the Citi Bank app. I was given two options : the first was to enter a credit card for the balance transfer, and the second was to send the funds to my personal checking account at XXXX XXXX. I chose the second option. The app only required my account number and the name of the bank, which I provided. 

A week later, I contacted Citi Bank to inquire why the funds had not yet appeared in my bank account. They advised me to wait a few more days, assuring me the funds would be available soon. Two weeks later, I called again because I noticed in the Citi app that the funds had been sent to XXXX XXXX XXXX. I asked why they sent the money there, as I have no credit card or bank account with XXXX XXXX XXXX. They informed me that they would initiate an investigation and file a dispute, which they did. 

Two weeks later, I received a letter stating the result of the investigation : the {$2000.00} had indeed been sent to XXXX XXXX XXXX. I called again, but each time I did, the customer service representatives were rude, blamed me for the error, and were not helpful at all. I repeatedly asked to speak with a supervisor, but all they did was file a new dispute. In the final dispute letter I received, they stated, " We are unable to change the balance transfer request once it has been received. '' I called numerous times, but their service remained unprofessional. This situation has caused me significant stress as Ive been trying to resolve the issue, and I urgently need assistance because I still have to repay the money to Citi Bank, with interest, even though I never received it. 

Finally, I contacted the XXXX  XXXX Office of the Comptroller of the Currency, and they advised me to file a complaint with the Consumer Financial Protection Bureau.
Product: Debt collection

THE DEPT OF NELNET is continuing to to Violate my Consumer and Civil rights. I sent them a Debt Validation request on XXXX XXXX. They did NOT send me any original documentation required under section609 ( a ) ( 1 ) ( A ) and section611 ( 5 ) ( A ) of the FCRA, While they are still continuing to report this unverifiable, erroneous account on my credit report. They are required by Law to promptly delete this account from my records.
Product: Credit reporting or other personal consumer reports

ATTN : CFPB I need you to engage in enforcement action on my behalf against Experian. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Experian accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Experian. I've attached proof that USPS delivered and signatures upon receipt. 
Experian : XX/XX/XXXX, XXXX XXXX I've contacted Experian. I received an email that they don't believe bankruptcy can be considered identity theft. I've attached that unprofessional email. XXXX and XXXX have deleted the bankruptcy. All my documents have been notarized. 


XXXX accounts on my Experian credit file : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, I just want to make one thing clear VANCE AND HUFFMAN LLC. DONT YOU EVER accuse me of lying. This is a collection from a XXXX XXXX in XXXX  and I dont live in XXXX  XXXX Ive lived in XXXX XXXX since XXXX  and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw three medical bills reporting from XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from WAKEFIELD & ASSOCIATES from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of XXXX  and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to Experian and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from Collection agency saying I had not paid my Wallmart credit card in the States. I contacted my local police and reported here in XXXX. I ran an XXXX on myself and confirm that I have been a victim of Identify fraud. I was informed to contact the US as well. I do not live in the states and have only travelled there twice in twenty years. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has told me my account Has been verified. Bankruptcy XXXX. I explain to them that I did a voluntary dismissal and that there is no money owed. They explain that they report as a dismissal no matter what kind. Since the dismissal have very different definitions I think it it important for the creditors to see that it was a voluntary dismissal. So if they cant show my judgment on my credit report accurate thrn that a violation of my fair credit act laws. Im am attaching court documents to prove my case. I will like to get compensation for there error in reporting. 
If the XXXX XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. 

A ) Voluntary Dismissal A debtor can file a motion to voluntarily dismiss the bankruptcy case, but the court may or may not approve the dismissal depending upon the chapter number of the bankruptcy case and the prior history of the debtor in bankruptcy. IMPORTANT NOTE : Dismissal of a bankruptcy case has serious consequences. For example, if a bankruptcy case is voluntarily dismissed, it may affect a debtor 's rights to the Automatic Stay in a future bankruptcy case. It is highly recommended to consult a bankruptcy attorney.
Product: Mortgage

After a year of help from a non profit organization I was filially giving a modification on my montage, after all three trial mod payments were made in a timely fashion the bank denied the modification. There reason was lack of paper work despite serval communications that we had wi th the mortgage specialist. I am putting in a complaint because I feel I did everything they asked of me and was  still denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my recent credit report I noticed unauthorized activity. I immediately called TransUnion credit reporting agency ( Monday, XXXX XXXX, 2017 ) to be told that my file was being handled by the special fraud department, which by the way was done without my acknowledgement. I was told that it was because of a fraud alert, I never placed a fraud alert on my file. Already suspicious of the unauthorized hard inquiries, and to be told my file is being handled by the fraud department really had me on edge. I proceeded to inform the representative that I had no connection with XXXX XXXX whatsoever, and I in no way authorized them to pull my credit. The representative proceeded to tell me there was nothing he could do, they do not remove hard inquiries. He also refused to investigate the matter. Being in the " special fraud department '' I hoped that they 'd understand my frustrations and simply investigate the matter. I got absolutely nowhere. I hung up with one representative and called back multiple times speaking with multiple representatives begging and pleading for atleast an investigation, no one would listen. I asked what 's the purpose of my file being handled by the special fraud department when fraudulent activity is happening. He could n't answer my question. I said you are looking at the same information I am do you see any XXXX XXXX affiliation, he said no. The FCRA states that the only permissible purpose for pulling someone 's credit is for : 1 ) Firm offer of credit 2 ) Insurance 3 ) Employment 4 ) Court Order non of which applies to me. I requested for to be removed out of that department as it is in no way stopping anything, no changes as of yet. There is also a hard inquiry from TransUnion themselves they are staring is a soft inquiry when it clearly shows as a hard inquiry. I was told it took place when I requested my credit report. I could n't understand when I am entitled to a free credit report yearly and have never gotten a hard inquiry.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of Sue dealership by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I openned a dispute online on XX/XX/2018 with Transunion about a wrong name in my credit report. At this date I havent received a solution and is causing problems to get my credit report from credit agencies because the cant identify me
Product: Credit reporting

We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit application or any inquiry with Capital one. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

My cell phone was stolen and as a result someone used my XXXX  information to send themselves close to XXXX dollars. Chase Bank won't do anything about it because it's through a third party and XXXX won't do anything about it either. I submitted a dispute claim on Chase and they denied it the same day.
Product: Credit card or prepaid card

Keep getting same call from Capital One saying call back we have important information for you That is all..every day same call My credit bill is fully up to date I am being harrassed
Product: Checking or savings account

I chose checking accounts and bank closed my accounts because it is the genesis of my problem in fact the chain effects of it encompasses many of the choices options in the previous page. 
I had 3 accounts with TD BANK a checkin, loan, and credit card I use the checking account to transfer payment to the loan and credit account, in XX/XX/2020 I reached out to the bank requesting a relief having being affected by covid19 disaster the bank went ahead and deferred my installment payment to XX/XX/2020 my due date is the XXXX of every month so they make me skip 3 months when XX/XX/XXXX reached I wasn't able to make a prompt payment so I reached out to them again and was told that I have 15 days grace period from the XXXX. mean while I wasn't making any money therefore couldn't keep {$100.00} minimum on my checking account, that attracted a {$15.00} a month fee anytime I go below {$100.00} and the bank has a policy of closing accounts that are consecutively negative for 59 days so the fees brought my accounts to negative however twice within the 59 days I was able to get the bank 's representative to reverse the fees and therefore bring me to positive this happened on XXXX XXXX and XXXX XX/XX/2020 respectively so I tried to make my loan payment within the 15 days grace period I have so on the XXXX of XX/XX/2020 I made a deposit of {$250.00} to my checking account via my bank 's ATM I already had $! 0 in my account that brought to {$260.00} my loan installment is {$240.00} so I transferred {$240.00} to the loan account I knew I'm ok until I checked my XXXX credit report a month later to my dismay the bank has reported missed payment, I called the bank and they said my payment was returned due to lack of funds I insisted that I have funds at the time of payment but they said my checking account has been closed on XX/XX/XXXX XXXX.I told them as of XX/XX/2020 my account is very much alive because I made a deposit of {$250.00} and before I made that deposit I had {$10.00} in the account, they were able find out that indeed I did made the deposit and that the money has been in their possession all along so I asked why was I able to make a deposit if my account was closed and the answer they gave was that the account was in the process of closing but not complete. 
I asked how is this my fault? if my account is close I shouldn't be able to make a deposit, I shouldn't be able to make transfer I was told not worry they re gon na fix the problem so they sent me to a branch where they issue me a credit and advice me to open a new account so they can deposit the credit and then I can use it to effect the supposed late payment and after that they will take steps to rectified the remarks they made on my credit report I obliged. but they refuse to correct the remarks even though it was their system error that caused me to default I tried everything I could they insisted that their reporting is accurate please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with Capital One that I paid the card on time 100 % of the time.