23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Originally called Nelnet on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during XXXX on XX/XX/2022. 

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then.

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted. 

Just over a month from my initial complaint filed with cfpb and unfortunately nothing has changed. 

Called XX/XX/2022 and again was told all of my paperwork is accurate, but they dont know why it is taking so long. 

Called on XX/XX/2022 and the customer service agent was able to confirm again that all my paperwork was filled, but my application has not been processed any further. At this time, she stated that my loan would go from the initial 4-6 weeks to 12-15 weeks.

Feel as if I am just receiving the run around from Nelnet, always receiving varying answers with each separate call.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Twice used Equifax web page. First time entered all requested data. Received web message " Unable to continue ''. Given a number to call Equifax customer service. Called the number. I can only get the message to go to the Equifax web site. Circular useless contact. Can not freeze my Equifax credit account. Repeated same XX/XX/20XXXX
Product: Credit card or prepaid card

Received a letter and a debit card from " Netspend All-Access by XXXX XXXX  '' address XXXX XXXX XXXX XXXX TX XXXX. This was an account I did not request or apply for. The letter indicated that I had an account opened including a real debit card needing activation, a routing number, and an account number. There were also instructions for direct deposit. I was highly worried my identity had been stolen. 
I finally got through to the company and was informed this was a promotional card and account and that I did not need to open it. This was extremely misleading on the documents which included a large packet of account info ( things I have typically received from actual banks I have actually opened accounts with ). I informed them of the problem of the misleading documents and the fact this looked as though my identity had be stolen. There was not much they could do as this is clearing an issue with fraudulent marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although, Capital One has been contacted in an attempt to get them to update their files with accurate information, Capital One is still reporting an incorrect late Payment for XX/XX/2014. According to Capital One, they can't see this information in their system, and would make an attempt to correct this issue. It has been over 2 months, and still no action has been taken to correct this problem. 

I have filed several disputes with XXXX, but at this point XXXX is not willing to submit any more disputes for this specific account, as all three disputes already filed, come back with no updated information. 

Furthermore, regardless of the number of phone calls made, there is no resolution, and I have been placed on hold by Capital One Staff, to then find out the call has been dropped.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent letters to each bureau reporting my identity theft along with my police report and FTC report. I have not received a response yet I feel like I'm being ignored about my FTC complaint. Section 1681 ( c ) plainly states that failure to investigate these items within 5 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.
Product: Debt collection

I paid a settlement amount to Sequim debt collector back on XX/XX/19. After that date for a week I was still receiving phone calls. The original debt came from XXXX XXXX XXXX. Then I see it was on my credit report written off as bad debt for the full amount but my balance keeps increasing. These people took my money never reported it as paid. I feel they are scammers. it says I owe almost XXXX dollars but yet comments say written off as bad debt. This is not true the debt has been paid. And I want all 3 credit reports to reflect as paid else I will be looking for a lawyer to see what my rights are. You just don't take someones money and not report things correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$1200.00} through cash app from an individual pretending to be a loan officer. I immediately contacted Cash App about the transaction to dispute the transaction and they refuse to reimburse me my money. They are not protecting their customers from fraudulent scams.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection SOUTHWEST RECOVERY SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with SOUTHWEST RECOVERY SERVCES or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 5 times ( {$5000.00} ) 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 2 times {$2000.00} 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number {$3000.00} I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. 

Accounts in Question : XXXX. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX XXXX. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX. XXXX XXXX  Balance : {$650.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute- Inaccurate information on Consumer Report To Whom it may concern, I am writing to dispute inaccurate information on my consumer report. It has come to my attention that your company is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role is assembling and evaluatingconsumer credit information as stipulated in 15 U.S.C 1681 ( a ) ( 3 ).

I am also aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C 1681b requires that you must have either court jurisdiction or handwritten letter from me giving you permisible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a finacial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C 6801 ( a ) which states obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Specifically, I am requesting the immediate removal of 2 late payments on the accounts from my consumer report. This debt collector has engaged in abusive practices in attempt to collect an alleged debt, further violating my rights under the Fair Debt Collections Practices Act ( FDCPA ). These deragatory accounts are not accurate. Accuracy is defined as a measure of value, these do not add value of any kind futhermore you are doing this without my knowledge, also Fairness is defined neither party having unjust advantage over each other, the direct result of you doing any of this ( and without my knowlegdge ) put me at a disadvantage. This is the whole reason for 15 U.S.C 1681 ( a ) 2 late payments under the account of XXXX XXXX XXXX, in the year 2018 and in the months XXXX and XXXX it has 30 days late back to back, those transactions need to be corrected to match all the other ones around it, besides there no way to be 30 days late back to back it starts at 30 progresses to 60 and so on, therefore making this inaccurate information put on my consumer report and making it illegal. 


I Expect you to take quick action to correct these inaccuracies and protect my privacy. Please confirm you received this letter and inform me of the actions you will be taken to resolve this matter. 

Sincerley,
Product: Debt collection

I just recently did a credit report on myself and there's an account owned and owed that I've never seen or heard of before. The collector says " Fidelity Collections ''. The date it says reported was XX/XX/XXXX. It says the amount is 4 years and 2 months old. I assume that would place the debt somewhere around fall XXXX and fortunately I was incarcerated at that time so this must be a mistake.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at XXXX XXXX and I noticed this on my credit report but I did not know the creditor.
Product: Checking or savings account

In XXXX XXXX, a property garnishment was granted by the plaintiff and Bank of America froze my accounts. ( 2 checking and 2 savings accounts ). 

On XXXX XXXX, the plaintiff dismissed the garnishment, and the court signed off on the dismissal on XX/XX/XXXX. I went to the bank with the copy showing that the dismissal had been granted on XXXX XXXX, and the letter was FAXED to their financial department by one of the bank business reps. ( I have copy of FAX, cover sheet and confirmation sheet ) I have been calling Bank of America everyday, and stopping into the branch every day, but they tell me there is nothing they can do. When I requested a phone number of who to call they tell me they do not have a number they can give me. Even my lawyer has tried to get hold of someone. 
My accounts are still frozen today.
Product: Credit card or prepaid card

Charge card was cancelled without warning or reason. Would like my membership fee pro-rated and refunded to me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a former employee of XXXX. I recently underwent a background check with XXXX XXXX  where they obtained my employment data with XXXX from Experian XXXX  on XX/XX/year>. I want to see a copy of the XXXX Report the Experian XXXX holds on me, but Experian is making it impossible to do so. The only option they offer to view the Employment Report is to make an account on their website, but registering on their website requires a " Employer Access Code. '' My former employer, XXXX, will not provide me the code and claims that they do not report any data to Exerian XXXX. Therefore, even though I know that Experien XXXX is furnishing my employment data to third parties such as background check companies, Experian is making it functionally impossible for me to view my data or freeze my data. 


Additionally, I want to place a freeze on my Employment Report to prevent future entities from accessing my data report. At this time, Experian is not offering me any option to place a freeze on my data. 


I am requesting that Experian provide me a copy of my Employment Report and also to immediately place a freeze on my Employment Report so that no other parties can accesss it.
Product: Credit card or prepaid card

XXXX XXXX XXXX  was the date SYNCB/TJX CO appeared on my credit report along with XXXX charges ( per conversation with XXXX customer service rep on XX/XX/2022 ). I never applied for this card. Reported it on the XX/XX/XXXX to XXXX XXXX Customer support letting them know I did NOT apply for this card and I have never applied for a store credit card with that company. Spoke with credit restoration specialist on XX/XX/2022 ( from XXXX ) as well as discussed case with SYNCB/TJX CO to dispute and remove from credit report. So contacted XXXX and XXXX to report and placed security freeze on all three credit reporting accounts. SYNCB/TJX CO to delete card and take action on their end to investigate ( per conversation on the phone with them and XXXX Credit restoration specialist ) on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Comenity Bank ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated. 
15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated Comenity Bank ( XXXX ) has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by XXXX, XXXX and XXXX. 

I have called Comenity bank of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " 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. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every 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. 
Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
Equifax, XXXX and XXXX are not maintaining reasonable procedures.