23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was told incorrect financial information about my account several times by customer service on a recorded line. They later admitted ( on another recorded line ) that they gave me incorrect financial information and were rude and unhelpful when I asked for a basic resolution.
Product: Credit reporting or other personal consumer reports

XXXX was supposed to remove an inquiry from my credit report. I provided proof that the inquiry should not be there. 
XXXX told me I had to tell XXXX to remove it. The card was on due to fraud and closed due to fraud.
Product: Credit card or prepaid card

My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. 
Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.
Product: Credit reporting or other personal consumer reports

Please remove all unauthorize fraudulent accounts and inquires : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their 30 days investigation time so these items should be deleted properly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Despite my previous dispute submissions and Transunions acknowledgment that the account was verified multiple times, they have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). The furnisher ( XXXX XXXX ) of this account has not provided a signed contract or any other verifiable documentation to substantiate the debt. As such, your continued reporting of this account is inaccurate and in violation of the FCRA. 

To date, TransUnion has failed to delete this account from my credit report, and their actions have caused significant harm to my creditworthiness, emotional distress, and financial well-being. I have made multiple attempts to resolve this matter, but TransUnions refusal to take corrective action leaves me with no choice but to take further steps to protect my right
Product: Student loan

On XX/XX/2023 I submitted an official complaint with the CFPB against Nelnet for negligence on their part by adding {$14000.00} to my loan amount that I did not owe. 

The reason Nelnet added this was because they inadvertently sent me duplicate refund checks. I only cashed one set of checks and I was called by Nelnet to destroy the other copy, I complied with destroying the second set. 

Fast forward after many hours on the phone with Nelnet over the course of literal years, I filed a complaint in early XXXX. After many more phone calls and correspondence the issue was partially resolved nearly 3 months later, in late XXXX, XXXX. 

However, the resolution to this issue is STILL not correct. Nelnet was charging me interest on the {$14000.00} the entire time that I should never have been charged. Additionally Nelnet charged interest on the payment of {$14000.00} that was applied to my account when they fixed the error. 

Nelnet must remove all interest that was charged during that period on the erroneous amount that was added, and get rid of the interest from the payment itself that was applied. 

This issue has caused me unfair financial suffering, countless hours spent trying to resolve this issue, stress, and impact on my credit report from it reporting that I owed a debt which I did not owe. This means that loans I took out during this time showed this as a debt I owed potentially making the interest rates on those loans higher. 

Additionally, their minimum of 2-hours on hold to get through to customer service and many hours more spent re-explaining this situation every single time to the representatives without ever being given a direct line to someone for my serious and stressful situation. All of which Nelnet NEEDS to compensate for these hardships.
Product: Debt collection

In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported. 

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.
Product: Credit card

I opened a BP credit card on XX/XX/XXXX. Because I was barely using the card, the company closed my account on XX/XX/XXXX. The status is " Paid, Closed ''. I did not have any balance on this card but I noticed that they have reported XXXX late payments. I am trying to contact the company to resolve the issue ( or pay the amount if it is my fault ) however the BP accounts have been transferred to SYNCB. SYNCB has no information about my account. This problem has significantly reduced my credit score and I do not know how to resolve it or who to talk to. I disputed this on XXXX but no information came out of that either.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX  XXXX Balance {$8800.00} XXXX XXXX XXXXalance {$25000.00} XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and XXXX XXXX to discuss the possibility of removing negative material from my credit report in exchange for payment of the account to satisfy their requirements to do so. BOTH parties agreed if I paid the collections in full negative material would be removed or updated to have all missing payments and material negatively impacting my credit would be removed and the account would at most be updated to read as a charge off that has been paid in full without missed payment history being reflected in any way. Attached is the documentation on the XXXX XXXX side of the conversation and the evidence of the payment I made ti clear the account over 30 days ago. They have since followed thru and removed the negative information they had control of from my credit report. After 3 separate disputes on all 3 bureaus XXXX XXXX refuses to remove ANY of the negative material they assured would be deleted in exchange for payment.
Product: Credit reporting or other personal consumer reports

I would like for a late payment that is being reported on my credit report to be reinvestigated. The account was with XXXX XXXX XXXX and the account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reporting XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent Equifax breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please CORRECT or AMEND the following inaccurate accounts : 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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the 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
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 accounts 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 accounts 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 accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$180.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX According to FCRA Section 605B ( a ) the TransUnion 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: Debt collection

I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX   XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX   XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc privacy 1681 602 state i have a right to privacy. Also 15 usc 1681 604 it also state a consumer reporting agenay can not furnish a account without my written statement .professional finan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card, XXXX XXXX XXXX, and SYNCB/JC Penney. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is SYNCB/JC Penney Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  Date opened XX/XX/2019 Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

Lastly, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO INVESTIGATE MY PUBLIC RECORD XXXX XXXX AND XXXX  HAVE NO RECORDS OF ME EVER HAVING A COURT FILED XXXX XXXX THIS FILING WAS MADE IN ERROR AND WITHDRAWN CASE NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with XXXX XXXX XXXX XXXX with a {$20000.00} limit. They used my name, birthdate, and social security number. I contacted XXXX XX/XX/XXXX regarding the fraud, and they have a fraudulent drivers license someone used. The account was opened XX/XX/XXXX. They are in the process of shutting down the account. I made a dispute to the credit bureaus and froze my credit reports. In XX/XX/XXXX, someone also opened a XXXX credit card using my information. I talked to XXXX and they closed the account. Someone added an address and phone number to my XXXX credit report, and I am disputing that. I only learned of this activity through XXXX XXXX. They emailed to inform me of the new cards.
Product: Credit card

I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? Please Help!