23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have been making payments on my loan each month timely and making extra payments that have not been put on the principal of the loan have reached out to the company nelnet multiple time and haven't gotten a answer to what my payments are not being applied correctly. My interest rate is 5.5 percent on loan and when I spoke to them on XX/XX/XXXX again when I received my last statement in mail they took XXXX dollars of my payment and put on intrest and only put XXXX on my principal and when I explained that this makes no sense they didn't have a explanations for me. Also last year they took XXXX and put on intrest, but they said my interest only adds up to about XXXX a day so when I told the young lady I was speaking with to add it up with me that only adds to about XXXX a year so how can they legally take 4 time that for intrest.
Product: Debt collection

LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.
Product: Debt collection

I received a bill dated XX/XX/XXXX saying I owed XXXX XXXX XXXX XXXX XXXX {$19.00}. I called XXXX XXXX XXXX billing department on XX/XX/XXXX and they informed me that the bill was paid back in XX/XX/XXXX and that I owed nothing and had a XXXX balance on the account. I then called the XXXX phone number listed on the bill and they also agreed that I had a XXXX balance and that I should not have received the letter. 
On XX/XX/XXXX I received a letter from Vanguard Financial Services , Inc in XXXX, WV dated for XX/XX/XXXX saying that they were a debt collector trying to collect this same debt that XXXX XXXX XXXX XXXX XXXX already told me I had paid. I called both phone numbers listed on the letter ( XXXX and XXXX ) on XXXX and left messages both times giving them my information and telling them that I had paid the debt and that I had proof of debt payment. They never returned my calls. 
I called XXXX XXXX XXXX XXXX XXXX again on XXXX and again I was told that I owed XXXX dollars and that this company should not be trying to collect this debt. I called both phone numbers listed on the Vanguard Financial Services, Inc letter ( XXXX and XXXX ) on XXXX and both numbers rang repeatedly until an automated system said it could not transfer my call and hung up on me. I never pushed any buttons to be transferred, it simply ended the call. 
I XXXX Vanguard Financial Services, Inc in XXXX, WV and they have an " F '' rating with the XXXX  with many unresolved complaints. I am beginning to wonder if this is an actual debt collector or if it is some type of scam. Most of the complaints on the XXXX site say that they have repeated issues with this company placing debts against their credit and that they are constantly fighting this company over debts they do not owe. I do not want this false debt to impact my credit. I have phone records and a copy of the check that XXXX XXXX 's deposited showing I paid the debt in XX/XX/XXXX. XXXX XXXX 's is mailing, me a statement showing that it has been paid and that I owe XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 I filed a complaint with your company trying to get these incorrect negative items off
Product: Credit reporting or other personal consumer reports

A complaint was filed on XXXX XXXX about the inaccuracies of my accounts. These debts are considered as charge offs/ write offs. However, this is considered income, but for the fact that 1099c should have been provided for every account that was closed and written or charged off, in order to account for this income.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Shared without my consent, credit inquiries from unknown sources ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.
Product: Credit card or prepaid card

CBNA failed to respond to 3 challenge letters showing that I owed the debt and everything was accurate.
Product: Bank account or service

I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.
Product: Credit card or prepaid card

I purchased a rebuilt engine for my truck with my XXXX XXXX for {$2500.00}, which included a refundable engine core deposit for {$510.00}. I paid my statement balance in full that included the {$2500.00} engine purchased XXXX. I returned the engine core for a refund of my {$510.00} dollars XXXX, but wasn't credited back to my credit card until XXXX. On XXXX XXXX at XXXXXXXX XXXX I called CapitalOne and said I wanted a check back for {$510.00} for the engine deposit. CapitalOne said I don't have a {$510.00} credit on my Account because there was {$250.00} in new purchases on my XXXX Statement and I now only had a {$250.00} credit. I told CapitalOne the new purchases for {$250.00} wasn't due until! XXXX and had nothing to do with my {$510.00} engine deposit and I wanted the bank to credit back my checking account for {$510.00}. I told iCapitalOne I always paid my credit card balance in full every month and if the bank was going to force me to pay my credit card balance early I wanted interest. The Bank said that wasn't there policy to credit back my checking account, I could leave the money on my account and use it as a credit without interest or the bank would sent me a check for {$250.00} in 7 to 10 days.I never revived a check even though a credit balance refund was on my XXXX statement XXXX. I got sick in XXXX and didn't realize I never received this refund until XXXX, my son handle the credit card on my behalf. I haven't heard from the bank.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

The card doesn't work in any common online vendors such as XXXX, XXXX, and XXXX. A XXXX cent processing fee still appeared to have gone through but the card was rejected regardless. American Express website won't display the balance of my card unless I click on the original gift card link sent to me from my company. 

This should be considered a scam.
Product: Debt collection

I pulled my credit report on XX/XX/15 and noticed so many accounts listed as SMS which is Specialized Management Services. Each of these accounts on my report are not mine. I had insurance that covered the full expense of my medical bill. I also did not give any consent for my information to be shared with SMS. This is a violation of HIPPA law.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted Experian about the reported ID theft as well as supplied them with all the supporting documents they keep telling me that they think Im lying bc the other company verified the info. Its a total disgrace that these companies can allow items to damage my ability to conduct business as any normal person who pays their bills and is responsible should. Instead Im told that they dont believe me or that companies I have never done business with are allowed to report negatively on my credit impacting my ability to do the things I need to do. Then they disregard the law and say we are compliant even though a XXXX grader can read what it says and know they are not.
Product: Debt collection

Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
Product: Debt collection

I was unaware of the debit and never got a bill in the mail. 
Discovered the collection account on my credit report at XXXX. 
Disputed the debit through XXXX more than twice. 
" Service Credit '' claims to have fulfilled their duty but does not provide the original creditor information. This appears to be a medical bill that was sent on too quickly for collections as I have not had a break in service from my Medicad insurance. The original creditor is the same as the provider yet I don't have a way to verify who that is without information from Service Credit providing that information to me. This must be resubmitted to the insurance company to be paid. How and why this was discharged to a collection agency not once but twice u do not know. I have never received a bill from the provider or anyone else. Service Credit has posted negatively on my credit report and claims to have fulfilled their legal requirement to provide information about the account bit they have not. They are lying amd have refused to pull the report. The bill itself can be paid by submitting it to the insurance company. How this happens at this late date I don't know because I don't even know who the bill is from. Attempting to collect without providing the necessary information to verify the debit or source of debit is harassment. Negative credit reporting without due process is abuse of privilege and should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EQUIFAX multiple letters of verification. I've requested EQUIFAX to verify this account. The account name is unknown and the account number is XXXX Since it is against federal law ( Fair Credit Reporting Act -- 15 USC ? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Checking or savings account

My checking account was hacked into about XX/XX/2022. The bank closed the account after this occurred. The remaining balance was sent by a check to the hacker. I have contacted the at fault person. I haven't gotten my check for my money from the person or the bank.
Product: Credit card

In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you
Product: Debt collection

I am writing to you once again regarding the persistent presence of charged off accounts on my credit report. Despite my repeated attempts to rectify this matter, it appears that no action has been taken by your company to address this issue. Frankly, I am beyond frustrated and deeply annoyed by your lack of response and inaction. 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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States l have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.
Product: Debt collection

ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
Product: Credit card or prepaid card

Wells Fargo charged a deferred 12 months interest to my account. 30 % of my principal balance. I was told when I signed up for the card that I would have no interest for 12 months, and then it would start to begin incurring interest in the 13th month. I was never told and it was never explained to me what deferred interest was or that that was the terms of the card that I signed up for. 3 weeks ago I noticed a charge for 72 % of my remaining balance. I called Wells Fargo, who told me there was nothing they could do because I did not have any issues with my mailing address, even though I never received any notices stating any of this information. I am still within 30 days of the charge as of today. I feel like I have been duped into paying much more than I ever would have agreed to.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I transported a client from Georgia to New Jersey via car. The total charge was {$1200.00}, which was cash app ( Square ) to me. Square fees for this business transaction is {$43.00}, leaving {$1100.00} to be deposit into my bank account. Square indicated that the money would be in my account in 3 days due to the high amount. The next thing I know Square indicated that my account was terminated. I have attempted multiple times to get access to my funds, but I was transferred from person to person that was supposed to be who can resolve this problem, only to be told that they are not the one capable of helping me and they needed to transfer me to someone else. I was also told that I owed them money ( {$380.00} ) with no reason given. I was also told that they would release the money to me in 2 weeks, but that didn't happen either. It has now been 2 months. I delinked my account because I didn't trust them to do right and fearful that Square may continue to harm me.
Product: Debt collection

I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX XXXX.please help me to view reports online free.Tried to dispute with equifax but told dispute not found.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
FTC document included below. 


Aggregated identity theft 18 USC 1028A