23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to Experian regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Experian has refused to remove the said below account but removed other accounts that were sent at the same time. My privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone on the line Experian tells me about their policy and their rights all while Im speaking to someone overseas about my account in the United States. I am requesting that I be sent an updated account after the removal of the said below account as well as my credit score. DO. NOT OPEN NEW DISPUTE THE LETTER AN UPDATE TO THE DISPUTE FILED XXXX. 

XXXX ACCT # XXXX My Experian membership number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over 30 days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, Experian, XXXX and XXXX have 30 days to investigate and send me the results. 

I have all evidence attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I would like for Equifax XXXX and XXXX to stop sharing my nonpublic personal information. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I consolidated all my loan with XXXX XXXX XXXX and I told them that I did so and that the company will contact them to reach an agreement, but they continue to send latter all the time. I offered to give them the phone number of XXXX XXXX XXXX but they refused to accept it.
Product: Debt collection

I consolidated my qualifying student loans through the federal government in XXXX. I then enrolled in the Public Service Loan Forgiveness ( PSLF ) program in late spring/early summer of XXXX. 

In XXXX the loan servicer was changed to another company briefly. I then enrolled in the federal " payment tracker '' in XXXX for PSLF. At that time the servicer was then changed back to fedloans. This resulted in some payments not counting towards my total payment count. 

I have been working fulltime for a 501 ( c ) 3 status employer since XXXX. I submitted the requested " Employment Certification Form '' each year that I worked. 

The " payment tracker '' on the fedloans website payment " counts '' were off consistently for years and years. I would inquire on the phone about this and was told they would be updated. 

As I near the 120 payment mark where we can request " Loan Forgiveness '', I formally requested a review of my account in XXXX of XXXX so that the payments tracker would be correct. I was told at that time that a review would take 90 days. I called after a few months and was told it would take 6 months. I next called after 9 months and was told it would take a year. It has now been 1.5 years and my payments have not been counted and the tracker now says that I have made 6 qualifying payments. 

I should have 96 qualifying payments. The tracker should not continue to say 6 payments. It should show an accurate representation of my qualifying payments.
Product: Credit card

I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.
Product: Credit reporting or other personal consumer reports

i checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXXXXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party.

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX  and Equifax are in violation of my rights and is subjected to a law suit under these laws/
Product: Debt collection

UHG I LLC IS TRYING TO COLLECT A DEBT I DID NOT CHARGE ON THE CREDIT CARD. I HAVE CALLED THE ORIGINAL CREDITOR AND THEY DO NOT WANT TO DEAL WITH IT, SO THEY SELL IT TO A DEBT BUYER. I TRY TO WORK WITH THEM AND THEY WILL NOT INVESTIGATE THE FRAUD AND JUST SELL IT OFF TO ANOTHER DEBT BUYER. IT JUST KEEPS GOING IN CIRCLES AND THEY JUST HOPE I WILL PAY SO IT DES NOT RUIN MY CREDIT. I AM NOT PAYING FOR A CHARGE I DID NOT MAKE. I REQUESTED COPIES OF THE CREDIT CARD BILLS, STATEMENTS, CHARGES, SIGNED RECIEPTS, AND ANY XXXX, BUT THEY DO NOT RESPOND. NOW THEY WILL PROBABY SELL TO ANOTHER DEBT COLLECTOR.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of BK OF AMER ( 8717 ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to XXXX XXXX Experian and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.
Product: Credit reporting or other personal consumer reports

In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. 
I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over XXXX points! 
I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Product: Checking or savings account

I was charged assuasive amounts of fees and it cause my acct to be overdrawn and I could not pay for it. All fees should be refunded back to me and the negative impact on my credit should be removed.
Product: Debt collection

Per New Law : Comprehensive Credit Act of 2020, section 401 - debts regarding adverse credit details contained within one 's personal file for which do not have a confirming contract must be deleted. I don't at all recall this debt. I called to speak with them and tried to set up payments until attorney advised that I not pay anything according to this law. 

I was then Advised that I take steps prior to our filing a lawsuit against them. The new law is very specific and direct regarding the details regarding any debts on one 's credit report for which things can not be verified/validated etc. To not adhere to this law, is grounds for litigation according to my counsel. I've had it. Should they not remove this unverified/solidified debt means that they'd appreciate for my attorney and I to address these issues in court before a judge under The Comprehensive Credit Reporting Enhancement, Disclosure, Innovative, and Transparency Act of 2020. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX has given my information to Diversified Consultnts to collect on a debt for XXXX. I have disputed this collection on XXXX, XXXX 2017, XXXX XXXX 2017, and XX/XX/2017. Each time this account was removed from my credit report. This company keep reporting the same account using different account numbers. Which is illegal and unfair I have worked hard to have a good credit report. Only for them to make my score drop every time. I dont know how to stop them I have spoken with them and the credit bureau but, no one seem to help. I need for them to remove me for their database. And to clear my credit reports. The most resent is XX/XX/XXXX just when I was to speak with a mortgage company.
Product: Credit reporting

I have filed numerous times to get these removed. They do get removed and then the Collection agency puts them right back on. What 's worse, this is an unlicensed collection agency. Evidently, XXXX does not require licensing, but in order to collect debt in the state of XXXX, a collection agency must first be licensed in XXXX. I believe this company to unscrupulous. Today while pouring over paperwork I realized the original debtor being claimed is wrong. The account we paid in full is being reported as completely different company in an effort to retrieve monies not owed to them.. I believe this to be fraud, or am I wrong? My husband and I paid this debt in full and the debtor listed with the collection agency is wrong. I have sent a legal request for documentation in writing, but I doubt I will receive a response. They can not produce what does not exist. I stand by my claim that this is fraudulent activity on the part of the collection agency and their client. Our agreement was with XXXX of XXXX, not XXXX. I 'm getting older and it 's hard to keep track of names after awhile, but I eventually I get there and remember.
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Ive used zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions could not be done. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Prepaid card

When I applied for unemployment in XXXX  I ask for the prepaid card the first amount XXXX was put on a prepaid card that I never received it shows in my account on the unemployment website that the money went to the car but I never received the card I called Bank of America they stated that the money was in the account but the name did not match the social did the name did not I called unemployment office they told me it was a Bank of America issue and Bank of America stated the same thing it was an unemployment issue The unemployment office sent the money in under a different name but with my social security number Bank of America will not release the money because the names have to match I asked if Bank of America could just send the money back to the unemployment office they stated the unemployment office would have to call them and ask for it to be returned The unemployment office would not do that so the money is still sitting at Bank of America and I am unable to get it I have tried and tried I have all the information the name of the person that is supposedly on the car but it's under my social I have all of the information I got a police report You can check the unemployment website showing that the money supposedly went to the prepaid card that I never got but I am unable to get the funds