23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The principal and interest on payments on my Nelnet account is not being allocated correctly. Nelnet is taking advantage of me, and I may even say Im being stolen from. Im being charged interest on top of interest with no way to pay down the principal balance on account and Nelnet has not been able to help or make a correction, even though I spoke to them last on XX/XX/XXXX and they assured me everything was corrected.

Heres the full explanation : When loan repayments resumed in XXXX, my first statement on XXXX showed that payment due date was XX/XX/XXXX, but the amount due was {$0.00}. My payment amount should have be {$130.00}. However, it also showed at that time that I had already accrued {$140.00} of interest and by XX/XX/XXXX the interest would be {$220.00}. 

This puzzled me that I would be beginning repayment after XXXX years with no payment due, more in interest due than my payment would cover, and interest continuing to build making it out of control. With that in mind, I made a payment on XX/XX/XXXX for {$220.00} to cover that interest due for the original statement hoping that would get my XXXX statement back on track. 

When my XXXX statement showed up, I was confused as to why my amount due was again showing {$0.00}. I was in a bit of limbo, not knowing what to do with interest and principal numbers not making sense. 

My XXXX statement started to alarm me more. My principal balance had gone up by over {$100.00} from {$20000.00} on my XXXX statement to {$21000.00} on my XXXX statement and yet my amount due was only {$44.00}, which should have been {$130.00}. I paid the {$44.00} not knowing what was going on, but wanting to keep my statements up to date. 

My XXXX statement showed an even higher principal balance of {$21000.00}. This is really where I knew something was 100 % wrong and needed to be dealt with. I spoke with Nelnet on XX/XX/XXXX, and made a payment of {$250.00} that was directed solely to interest to zero it out and get everything corrected for future payments. They also directed me to change a setting of Do not advance my due date so I wouldnt see upcoming amounts due less than the {$130.00} even if making a larger payment.

I wasnt happy with having to make XXXX payments since XXXX of over {$200.00} to try and catch up on interest, but I did it. However, my problem still hasnt been fixed and in the past XXXX months Ive had statements showing {$0.00} and {$10.00} due. I also just checked my account, and the Do not advance due date setting is now unchecked, which I did not do, so any assurances that were made last time I spoke with Nelnet were complete failures.
Product: Credit card or prepaid card

They have a hold on my money and it's been a week and every time I go to claims they give me a different answer and have me doing the work to recoop what they already have. I am so done with bank of america. I had just over XXXX dollers in my account and they are holding XXXX of it .its been a week..I need this money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ report says late fee over 90days. Account is paid off. 
Tried resolving this with the bank about late fees and the amount of time Ive called to have them work with me and still giving me late fees on my report. 
The account is closed and paid for in full.
Product: Student loan

I am enrolled in Public Service Loan Forgiveness program and I am not getting any feedback as far as the number of qualifying payments that I have made towards the required 120.  I have certified my employment every year so that this is easier to track but yet when I call and request a print out of payments made they say that it will be about 90 days.  Although that is a long time I will accept it but even after the 90 days I still don't have any information.  Currently I am working on about 150 days with no response.  The last person that I talked with looked at my account and said I should have over 70 qualifying payments but when I log into their website it says 55, this may not be updated but we are talking over a years worth of payments difference.My biggest worry is that I'm going to have 120 qualifying payments and I am going to be still paying for a year until they get around to forgiving my student loans.
Product: Money transfer, virtual currency, or money service

After a sell on XXXX my funds were held in paypal pending documentation/id verification. I submitted all the exact, legal and valid documentation required just to have a permanent restriction placed on my account, which makes it impossible for me to access my money for 180 days. It seems illegal to hold my money. I called paypal and sent emails to figure out why my money was being held or why the limitation had been set after complying with all requests. No one has been able to give me any sort of reason. I don't want the account back at this point.. I just want access to MY MONEY! There is {$330.00} being held for a purse that has been sold and no longer in my possession so paypal has committed theft as far as im concerned. Transaction ID XXXX XX/XX/2020 2020
Product: Debt collection

XXXX XXXX XXXX was paid on full 2015 and cant get it off my credit report
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, CHILD SUPPORT ENFORCEM # XXXX, CHILDSUPPORT # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX/XXXX  XX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX/XXXX  LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Product: Credit card

XX/XX/XXXX I started a new checking account due to divorce. I forgot to update synchrony by the due date of that bill. After the first missed payment I updated the account. Every late payment after that was due to synchrony trying to charge a closed account, not the updated account. This happened again in XX/XX/XXXX after billing the correct account multiple times, they reverted back to charging a closed account. They also closed this account after XXXX missed payments in XX/XX/XXXX even though XXXX of those missed payments was because they tried to bill the wrong account. Also, their notification practices are sub par. Notification has never happened in a timely manner to resolve the issue. I have paid immediately each time I have finally been notified. As of right now they are reporting at least XXXX missed payments. I take responsibility for XXXX, though that could have been resolved with a phone call.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion didn't have access to use my social security number in selling securities on my behalf. I have attached their XXXX SEC filings to this complaint that shows proof of claim. This is called Securities Fraud and gross negligence that severely damaged my credit file and credit score.
Product: Credit card or prepaid card

I lost my First Progress card over a year ago! I had closed the account after I lost it. They charged me an annual fee, applied it to the card, and then marked my payments as 30 days late in XXXX, and 60 days late in XXXX. I called them, made a payment and explained that I had lost the card and reported it to them. They apologized for the inconvenience and told me to dispute the account! I don't know why they couldn't help me and have made me go through so much! PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

Aspire this company Aspire is heartless they illegally closed my account I told them my husband died and that XX/XX/23 I have his cod I paid up EVERY XXXX THEY ARE Rude about it XXXX XXXX removed all of my late fees and I had four of them and they removed it due to the situation. I also had an XXXX XXXX as well and they said they will help me with it. Can you get somebody to help me with the aspire account please Im hoping I get the same person I wrote for. Im gon na send you a copy of their response. 

XXXX, XXXX, XXXX Last XXXX XXXX RE : XXXXAspire  XXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( Aspire ) .and accordance with the fair credit ASPIRE has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
XXXXXXXX XXXXXXXX  can you please help me like you did with the XXXX XXXXXXXX I appreciate it Best Regards, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Affirm Inc XXXX XXXX XXXX Fl XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my early warning consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Product: Debt collection

They continue to chase for a debt not owed to them by me. They continuously call everyday and won't stop harassing me over debt that does not belong to me.
Product: Debt collection

I contacted the company and explained te debt was not mines. I was no longer living in that residence.someone stole my information and created accounts in my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cashapp ( Block Inc. ) due to inadequate and insufficient customer service support and unfair practices while being a user. Cashapp failed to assist and take timely measure to assist with urgencies. Their resolution process was unfair and one sided and I feel taken advantage of. Under the EFTA and Regulation E, there should have been sufficient effort to aid in a resolution. I am asking for appropriate actions for my inconveniences.
Product: Credit card

I have been utilizing both my Verizon credit card and Verizon phone line for years. One of the key benefits of having a Verizon credit card, as advertised, is the seamless transfer of rewards to my Verizon phone line account, allowing me to enjoy additional perks and savings on my telecommunications serivces. However, I have recently noticed that the rewards earned through my Verizon credit card have not been transfering over to my Verizon phone line account as expected. I have {$160.00} in Verizon Dollars available but for some reason my Verizon credit card and Verizon phone line account are not communication with each other. I already made numerous attemps to talk to the Credit card side and Verizon call center. Everytime I call the Verizon call center I get hang ups and same with Commenity bank verizon credit card. I need help, this may not seem like a lot of money to some but with inflation now days, my rewards will really help me.
Product: Debt collection

On XXXX, XXXX a certified letter was delivered to Kohl 's to validate a debt that was on my credit report. I did not receive a response from Kohls within 30 days. I sent Kohls a non response letter on XXXX XXXX, XXXX I sent a no response letter. I have yet to hear from Kohls but I am now hearing from XXXX on behalf of Kohls debt. Kohls transferred my debt during the XXXX. timeframe. Which is illegal.
Product: Credit reporting or other personal consumer reports

After pulling my credit report on XX/XX/2023 I noticed an account with Self Financial / Lead Bank acct # XXXX & XXXX on my credit report. I have no knowledge of this account & have an issue with 2 data breaches that have resulted in identity theft. Ive called multiple times to get these accounts closed & deleted from my credit report with failure or no response from either company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, I been a victim of the Equifax breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) Missouri Div Child Support {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Put several inquiries on my credit report that were fraudulent, I have spoken to them numerous times with no aviel. I put a fraud alert on my credit, but they still wo n't do anything.      XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX