23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

NELNET is reporting student loan late payments on my credit report that is not accurate. Everytime I dispute with the credit bureaus, it comes back verified. When I dispute diresctly with NELNET, I never get a response. Just proves that no real investigation was ever done. This is a violation of the FCRA. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014
Product: Debt collection

In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.
Product: Checking or savings account

My checking account has been messed up for about 2 years I have tried to work it out with the bank the whole time and it still has not got fixed. My checking account is literally different every time I look at Posted transactions and available balanceverything is different every time I look at it. A lot of my deposits that show on my account do not reflect in my balance. I have direct deposit So my check goes in there every week and yet I have no idea how much money is supposed to be in my account Because it changes so often without me even doing anything I have screenshots to prove everything I'm saying and I have provided them to the bank. The bank is not taking it serious as they should be because it is really causing chaos in my life. My finances are screwed and I never know if my debit card is going to go through or not. When I ask the bank to look into this they said I needed to provide at least 30 transactions for them to investigate Which is unbelievable because they should investigate one wrong transaction why does it have to be 30 insane But I did provide 30 and they still haven't gotten back to me yet I got way more than 30
Product: Credit reporting or other personal consumer reports

Per the fair credit reporting act, 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.
Product: Credit reporting or other personal consumer reports

II have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This mean that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$7.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

BMW FINANCIAL SERVICES improperly triplicated hard inquiries to XXXX for a single lease operation, instead of using the same inquiry for XXXX. XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XXXX BMW Financial Services pulled my credit report 3 times for a single lease. This was expressed in advance to the two different BMW dealers with which I was negotiating.

The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.
Product: Debt collection

Collection Agency called repeatedly, rude, threatening. Demanded credit card payment over the phone and was rude and threatening when I explained that I changed internet service from a no contract service with XXXX XXXX, to XXXX, and XXXX paid my last bill. I returned equipment to XXXX XXXX in person in XXXX XXXX MN. 

I explained and the caller was still demanding payment by phone, I requested something in writing so I could talk to XXXX, but they refused. I've never received anything in writing from them, and they refused to send anything. Still have never gotten anything. 

This is super messed up and pretty sure it's illegal
Product: Money transfer, virtual currency, or money service

While buying and selling crypto currency on the coinbase platform my funds invested were fraudulently taken. My investment was {$35000.00}
Product: Checking or savings account

I open a Citi XXXX Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus ( The expected bonus is {$200.00} ). The ACH transfer is success from my XXXX  XXXX XXXX side. 

However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022, I modified a bill payment address in XXXX XXXX  electronic payment system. At that same time, I made a payment to company XXXX at this new address. On XX/XX/2022 the check was cashed. I later reviewed my account and called the bank because company XXXX had not received a payment. What I found was that TD Bank had issued the check to company XXXX rather than XXXX at a different address. Bottom line is the bank issued the check to the wrong payee at the wrong address. 

When I called TD Bank requesting some assistance in resolving the issue, they instructed me to call the company who had cashed the check and ask for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached XXXX website as well.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Product: Debt or credit management

Phone call to Experian began about me asking about why they had deleted a perfect rating from XXXX XXXX only to find out that I have to call and get XXXX to refill out a form to have it placed back on my experian account, even though it is Exp. mistake. I have then asked why a XXXXXXXX XXXX XXXXXXXX has not supplied me with Debt Validation letter from the company XXXX months ago and what I could do. On a recorded line from myself I asked if Exp. Could send me validation so I would have something to prove my dispute. She explained to me that a letter wasnt sent to Exp. Either and that the repeated validation from Exp. Was sent to them internally? With nothing from the company to relay I sent a letter to Exp. and XXXX XXXX XXXX describing that I have nothing to Dispute but what Exp. Is reporting. I feel that there are many consumer laws in place to protect me from this? Although through CFPB which is why Im reaching out to you says that XXXX ( XXXX ) XXXX ( c ) XXXX. So what I understand is everything that Im sending to correct my report can be validated by a person through Internal ) just validates information on my stolen identity. Also validation was given on XXXX credit cards for 8months that was proven to not be mine which from what I see now why it takes so long. It really discourages me that Exp. Really works like this. Exp. does exactly what debt collectors tell them to do and the consumers have no rights. Experian is a complete scam and all are in on taking money from Consumers. BTW. when I reached out to XXXXXXXX XXXX XXXXXXXX by phone they needed my Social Security Number to talk to me? I feel Bureaus are the ones to blame for everyones identity being stolen and I shall look into providing information in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which one of them ( XXXX XXXX confirmed the public record was verified by the court. I asked XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

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.
Product: Credit card

Bank of America is reporting a charge off for a credit card I have never had
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have reached out to equifax multiple times regarding this account with XXXX XXXX. The credit bureau has failed to report to me the documentation/findings of this account. They are just updating the account with no explanation of its validity and accurate reporting of this account XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Account Number XXXX Dear Equifax, I am writing to formally dispute the accuracy of the information being reported on my credit report in connection with the account referenced above. The account is listed as a charged-off auto loan with a balance of {$5100.00} and indicates significant activity, but I have not received any documentation or verification of this debt from the creditor.
Product: Debt collection

I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.
Product: Debt collection

I am writing to formally dispute inaccurate information that both XXXX and Discover Bank have reported on my credit report. These inaccuracies have significantly impacted my XXXX XXXX and have caused undue hardship. Please remove the inaccurate information from my credit report and send me an updated copy of my credit report after the corrections have been made. Additionally, please send a confirmation letter to the addresses listed above once this issue has been resolved.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and XXXX XXXX, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Product: Vehicle loan or lease

In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had its information hacked. I went to their website and verified my info has been compromised.
Product: Credit card or prepaid card

On XX/XX/19 I purchased first class tickets with XXXX Airlines, I also purchased travel insurance through XXXX XXXX a XXXX Partner Per XXXX recommendation on their site. 
I was unable to make the flight due too illness All parties attending business eat at the same restaurant and contracted some sort of bug. Meeting was canceled, Some parties left on earlier flights and were already in place others whom had not reached airport returned home. The Airline denied my refund stating it was a non refundable ticket, which is why we purchased travel insurance to be safe. My credit card company ( Discover ) offered me a temporary credit while they claim to arbitrate on my behalf. The Airline did not dispute in a timely fashion and therefor a decision was found in my favor from the credit card company, Somehow XXXX whom is also a customer od Discover ( a much larger Customer were given an addition bite at the apple to turn in documentation to reverse the credit applied to me, again a decision was found in my favor, The airline was then approached by the credit card company and given specific instructions on what to submit to get the credit reverse. Just Now on XX/XX/XXXX I was recharged the fee of XXXX dollars after they were coached by the credit card company on hoe to obtain the funds my travel insurance claim was never followed up on even though we submitted all documentation and all fees were paid It is unfair for the two giants Discover/XXXX to team up behind the scenes for several months to figure out the correct verbage to force me the little consumer to pay for a ticket that was never used. and To totally disregard the protection in place which has XXXX at the top of the letter head giving me false hope of protection. 
Now I am being told only after many hours of tiresome conversation with the credit card company I can submit additional information but only have 10 days to do so. 
Upon contacting XXXX Airlines they said the matter was closed and done they suspended the ticket and issued me a credit through the credit card company? and they have not resubmitted any new evidence that would change a decision from the first set of information they submitted. Whos side is the credit card company working for? obviously the bigger client which is a unfair practice and deceitful.
Product: Credit reporting or other personal consumer reports

I communicate to XXXX XXXX XXXX and XXXX XXXX XXXX to Cease and Desist communications with me as they are trying to collect a debt I never acquire with them, It does not belong to me and I'm not going to pay them. They are harassing, threatening and using profane and abusive language, making phone calls, sending me letters after I told them to stop doing so. I'm in distress as they continue to damage my reputation by violating my federally protected rights.
Product: Credit reporting or other personal consumer reports

These hard inquires with Capital One on XX/XX/XXXX and XX/XX/XXXX are inaccurate and were not authorized by me to open any accounts. I demand any accounts or inquires associated are removed from my credit report.