23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I waited an extremely long time to speak with Nelnet customer support on XX/XX/XXXX. I was calling to inquire about my payment history on my loans, as I have questions about the balance indicated by Nelnet to close my loan accounts. I was informed that Nelnet did not have that payment history due to my loans being transferred from Great Lakes. I do not feel comfortable, nor do I find it sound business practice, to simply trust this loan management vendor that I have never previously worked with. Nelnet confirmed they would be unable to source the history on my account, and that I should reach out to the Department of Education for clarity. The Dept of Education website can also only provide my current balances, and not my payment history. I submitted a complaint with the dept of education on XX/XX/XXXX seeking to secure my payment history- and I received an automated message indicating they would follow up with more information in 15 days. Today is the 15th day and I've received no communication from Nelnet or the Federal Student Aid Information Center. I will refuse to pay the interest accrued while my loan are in an incomplete administrative limbo, and I would like to sever my ties with Nelnet immediately given their inability to provide full and accurate information regarding my accounts. Great Lakes, Nelnet, The Department of Education, and the Federal Student Aid Information Center have all failed their responsibilities to me as a financial products consumer.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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, credit repair services, or other personal consumer reports

I have had a fraud alert on my credit for the last 3 years or so. I have contacted all the bureaus to have it removed. XXXX and XXXX removed the alert with no problem. I have tried removing the alert from my credit for the last 6 months with experian and they will not remove it. I just tried on XX/XX/2022 again. I submitted my documentation electronically and still have not received a response. They do not give you a confirmation number or tracking number for your claim. I have tried calling multiple times with the various numbers they have but you can only communicate with the automated service. This is really frustrating. I have missed out on different credit cards and even refinancing my home. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.
Product: Vehicle loan or lease

My dispute is with carvana. They require a down payment in order for approval which to down payments were very very high and they vary amongst different people. So they discriminate with their down payments and their alone approval process and I could not talk to anybody in a high authority that can make any decisions and they never will return a phone call. Have tried to reach out to them many times and go nowhere with a lowest chain of command in the company who can't make any decisions. They are unfair about their down payments. The price of the vehicle was {$58000.00} and the down payment they required was for {$37000.00}. The total purchase price was {$65000.00}. I could not talk to anybody with any of authority to tell them that they were breaking the law with the 15 US code 1605 which says the finance charge is the sum of all charges. Also, they are breaking the law with the equal credit opportunity act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Casha due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act. Cashapp failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulations E. These actions have case significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXXK XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with the Bank of America ( BoA ) Fraud Department about two fraudulent checking account transactions in the amounts of {$10000.00} and {$6000.00}. Both transactions were online bill payments to XXXX credit card accounts. I did not make this transaction. BoA said that it was initiated from a bill pay on my account. I have never used bill pay. 

BoA initially denied my claim on XX/XX/XXXX. I went into the local BoA branch on XX/XX/XXXX to get more information about my case.The banker called the BoA Fraud Department on my behalf. The banker explained that in order to appeal the claim denial, I needed to fax my XXXX Credit Card account statement showing that the BoA bill payments were not made to on my XXXX Credit Card account. 

I pulled my credit reports on XX/XX/XXXX and found there were two XXXX credit cards fraudulently opened in my name in XX/XX/XXXX. Those same accounts were closed in XX/XX/XXXX. I immediately disputed them with the credit bureaus, and froze my credit report on XXXX XXXX, XXXX 

Right now, I am awaiting a response from the credit bureau on my disputes, an update on the investigation from the police department, and reconsideration of my BoA claim. 

Please also note that it has been really hard to get consistent accurate help from BoA regarding my claim and I do not trust BoA 's handling of my claim. There has been attempts to change my email address on my BoA online account, in which I let the local branch know and they did not do anything about it. I have received fraudulent voice messages regarding my claim status. It's really hard to know who to trust in this situation.
Product: Credit reporting or other personal consumer reports

Despite notifying the Credit Reporting Agency ( CRA ) the CRA has failed to conduct a proper and thorough investigation into the fraudulent activity. Instead, the investigation was a sham, done with no real effort to uncover the truth or resolve the issue. This negligent handling has caused significant damage to my credit, and I have yet to see any resolution. I believe the CRA has engaged in discriminatory practices, particularly against XXXX individuals like myself. The CRAs failure to properly investigate this fraudulent activity and the harm caused disproportionately impacts people of XXXX, further putting us at risk of financial harm. Please refer to the attached document regarding the Equifax Data Breach, which highlights the systemic failures of the CRA to protect and properly serve people in my community.
Product: Credit card

I called Amex on XX/XX/XXXX to request a few extra days to pay my bill due XX/XX/2017. The representative was kind enough to give me a thirty day extension. I noticed on XX/XX/XXXX a late fee of {$38.00} was generated. I called Amex and explained that I had been given an extension and they credited the late fee. To my surprise on XX/XX/XXXX I was hit with a {$550.00} finance charge. I called Amex on XX/XX/XXXX and after first being told they could n't do anything a supervisor told me they would have to investigate the XX/XX/XXXX call and it would take XXXX business days. Five business days elapsed and I 've been told they have no timeline for resolution. Today I was hit with a {$230.00} charge that I was informed was a trailing interest charge from last month though I paid the balance in full on XX/XX/XXXX when it became obvious they had made an error with the grace period.
Product: Credit reporting or other personal consumer reports

I am wrote to XXXX, Transunion, XXXX, its partners, and affiliates : I am rescinding and opting out of their company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/2024 XXXXXXXX XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates to fully compensate for the various violations including but not limited to breach of trust, within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Product: Debt collection

InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed.

XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.
Product: Checking or savings account

Digit offered a promotion where I would get {$100.00} if I shared my referral link and got three people to sign up by XX/XX/XXXX. Then, when they had all made an autosave using Digit I would receive the bonus. I got 2 of my friends to sign up on XX/XX/XXXX, and another to sign up on XX/XX/XXXX. 
Digit made an autosave for the first 2 friends and I received {$5.00} for each of them. But Digit didn't make an autosave for the third friend. Eventually, I reached out and helped them change the checking account linked to their Digit account. Then the Digit finally made an autosave for the. 
However, Digit only credited my {$5.00} for that referral instead of the {$90.00} they had promised under the terms of the promotion. I finally reached out to Digit on XX/XX/XXXX. They replied " After looking into your account it shows that one of your friends auto saved and was paid out on XX/XX/2020. Unfortunately the promotion date for the {$100.00} ended on XX/XX/2020. '' I reached reached out again arguing that their promotional page only stated that the friends had to sign up by that date. The page said nothing about when the autosave had to occur, and it was Digit 's fault that the autosave had been delayed in the first place.
Product: Checking or savings account

Citibank refuses to transfer the tax withheld into my name in connection with the termination of the XXXX XXXX. 

Citibank demands that brokerages indemnify and hold harmless Citibank, which many brokerages ( including mine ) refuse to do. 

The XXXX XXXX termination date was XX/XX/XXXX. 

The distribution associated with XXXX XXXX termination was XX/XX/XXXX. 

I held XXXX XXXX XXXX The amount of foreign taxes withheld amounted to {$36000.00} USD.
Product: Debt collection

Had an account with XXXX XXXX, it was paid off. Then in 2023 the account popped up on my report as a charge off by citizens bank for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.
Product: Vehicle loan or lease

I live in XXXX, NC and I bought a car in XXXX XXXX, SC for a new, 2019 XXXX XXXX XXXX. There are a few problems that I have had with this financial contract/ agreement. I financed the car through American Honda Financial. 

The first problem is that I had was the car being repossessed. I struggled to find if the law of SC or the law of NC applied to this contract. The contract said that SC state law was applicable but the finance company said differently. I was not issued a Right to Cure at anytime during the contract, but I also asked the repossession company to leave the car and they told me no. I have been told that this was a possible breach of peace in both states. The car was repossessed on XX/XX/2019. 

The second part of my issues is that the loan was done like a lease, with a balloon payment on it and a purchase option/ exchange option on the agreement. I attempted this prior to the car being taken because I was told by a local dealer that the car had a malfunctioning computer board. 

The third problem is, I called the financial company and was told that even though I made a payment arrangement, I was denied that and the car was repossessed. I was denied even speaking to the employee that made the payment agreement. They told me that I had to make the full purchase price of XXXX dollars to get the car back. I explained to them that I did not feel this was just because of the misleading purchase contract. I told them I was going to file bankruptcy and that it would be better for us both to work something out, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the complaint against Experian, XXXX XXXX and XXXX XXXX. However, the third company is XXXX XXXX  XXXX. As per the attached, they still have not corrected the issue and made it even worse. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, XXXX  AND EQUIFAX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE THIS
Product: Debt collection

I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX I received a call from my employer stating XXXXXXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now ace is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to EQUIFAX, XXXX and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask EQUIFAX, XXXX and XXXX to sent me everything they have that proofs the account is mine but nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Equifax to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )