23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Nelnet is my student loan servicer. 

I have attempted several times to resolve inaccurate / incorrect information being reported. Nelnet has been charging interest on my student loans during COVID ( XXXX ). After speaking with the Department of Education today, I was informed by the representative that this is in fact true. I believe that I was supposed to be at XXXX percent ( 0 % ) during COVID, and I understand that this has ended XX/XX/XXXX. Additionally, I am a participant in the Sweet v. Cardona settlement. My Borrower Defense Application # : XXXX has been approved ( see attached email ). I understand that at the time of the Borrower Defense process, that interest would continue to accrue ; however, COVID happened, and the interest should have stopped accruing on my loans during this time ( XXXX XXXX ). This is not the case. My balances on my loans continued to increase monthly ( see attached consumer reports ). I believe that Nelnet has engaged in " Unfair or Deceptive Acts or Practices '' charging me interest on my loans when Nelnet was not suppose to do so during the time of COVID, causing the balance to increase AND causing my credit utilization to increase astronomically, thus negatively affecting my credit. Additionally, I have filed a Feedback complaint ( case # XXXX ) with the Department of Education on XX/XX/XXXX, in addition to this complaint with the CFPB today.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

I always pay above the amount due on my credit cards. Ally credit card I have been paying {$150.00} a month for the past 4 or 5 months. On XX/XX/XXXX, I scheduled a payment of {$150.00}, which was deducted from my checking account but then they took the entire balance of {$1000.00} out as well, which I did not authorize. 
I only get {$1400.00} in Social Security benefits each month to pay my bills. I never would have authorized that much money to come out all at once. I told XXXX at Ally but she insisted that I authorized it and said it would take 2 weeks to just check into it. They had no right to take out more than authorized ; I told her it must have been a computer glitch but she didn't care and was very rude. 
I contacted my credit union and filled out paperwork advising them of the same because of my monthly bills coming out of that account. I didn't want all of the overdraft fees as my bills are mostly autopay since collecting Social Security. It's the only way XXXX can budget in this economy. 
The credit union put a dispute on the account and put the money back in for now but this is just temporary pending Ally 's investigation. I also uploaded a document to the Ally website stating that I did not authorize such a large payment. 
I can't get a response to this and it's been several days. 
I have never been late with my credit card and have always paid more than the balance due each month. There was no reason for the company to take that much from my account.
Product: Debt collection

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX RADIUS GLOBAL SOLLUTION {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Product: Checking or savings account

Good day, I sent a XXXX  payment to wrong recipient by accident back in XX/XX/2021. I reached out to the person, and they informed me that they reported to their bank that those funds were not theirs. I filed a claim with my bank chase to get back those funds. And they said that there was nothing they can do about it, that the recipient never returned the funds. Thats not true the recipient sent me a screenshot when the funds were reversed from his account. I do not understand why my bank has not helped me retrieve my money, when there is a clear paper trail, and the recipient didnt take the money.
Product: Credit reporting or other personal consumer reports

Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I have also tried to resolve an issue with XXXX XXXX XXXX who have consistently refused to notate payments for our car that we've made over the phone since 2019. Every time we make a payment they say they're going to notate it and actually give us a confirmation number but then we receive a late fee because they don't even bother to input our payment information and we have to call back multiple times to make sure that the payment has been sent to the bank. Our credit report has tanked because of XXXX XXXX 's incompetency has been contributing to my credit report decline when we have consistently made regular payments on time and it is entirely out of my control when XXXX XXXX XXXX employees are not doing their job and we pay the bill on time and are penalized by the credit union/companies and TransUnion or XXXX.
Product: Credit reporting or other personal consumer reports

After the completion of recent dispute/report XXXX I disagree with the investigation. This account was charged off on the following date XX/XX/year>. The date of last activity on this account is showing XXXX different dates. I have attached copies with the incorrect information. If the information is coming from the same furnisher the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. And according to 15 U.S. Code 1681i section 5 this should be deleted from my account. Please delete this account from my credit report. This is inaccurate information. You have failed to properly and accurately report this account and you neglect has violated my rights. I am demanding a deletion of the following account. Account Name : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.
Product: Checking or savings account

My Tax refund went into someone else 's account, which the account didn't have my name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and XXXX continue to post 90 day lates each month from the company. In addition, the close date is only shown on Transunion and not XXXX or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX and XX/XX/XXXX is shown on Transunion. XXXX  doesnt show anything. XXXX and XXXX do not show a high balance but Transunion does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Product: Credit reporting

Equifax and XXXX are reporting tax liens on my credit when they are NOT tax related. They were from traffic tickets. They have led mortgage lenders to believe that I have tax problems and I have been declined credit because of it. This is in violation of the FCRA and the courts upheld this in this case : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX XXXX there Stating I owe them {$1200.00} when I bought my phone out right and only had their service for one month
Product: Vehicle loan or lease

On or around XX/XX/2021, I recieved a call from my now ex-wife saying that she wanted to buy a car and all she needed was was my paystubs to get it. At first I was skeptical but she explained to me that everything would be alright. At first I didnt know too much about credit as noone had ever taught me anything about it. I had no idea my own ex would scam me into to sending info about work information. It wasnt until about XX/XX/XXXX when I checked my credit and noticed a missed payment from the company known as Credit Acceptance. I had them send me login information based off a past loan I did with them and it says I was on another loan as buyer of the car along with the co-buyer XXXX XXXX which is my ex 's mother and someone I am not affiliated in any kind of way with. The name of the car dealership New Jersey XXXX XXXX XXXX. I dont even drive the car and im being hel responsible for something I never was even present to sign for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to all at the XXXX. Thank you for your service It has come to my attention that a private company called XXXX XXXX XXXX XXXX is committing many crimes against my estate and my name. 
My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the XXXX XXXX XXXX XXXX. This is devastating to my family.
Product: Credit reporting or other personal consumer reports

My account with GM Financial was never late! I have had exceptional payment History With GM Financial and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
GM Financial never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports GM Financial - XXXX
Product: Credit card

I made a payment worth {$43.00} and another of {$26.00} on the XXXX and XXXX. It was the weekend so American express wouldnt charge it. On the XXXX, I was charged a ACH NSF fee worth {$29.00} for the payment for {$43.00} and another as well worth {$29.00} for the {$26.00} payment. Every-time I have spoken with a customer service representative, they have said that Amex only retries the payments every 2-3 business days. XXXX, single, time, as well as the supervisor whom i begged to connect to. Then on the XXXX, they again charged me {$29.00} and another {$29.00} for my {$43.00} payment and the {$26.00} payment. On my Amex statement, it confirms the XXXX charges of {$29.00} on the XXXX, but not the XXXX. Everyone at Amex said they did not see that charge, and they never said it was from them. So i called my bank for the XXXX time, and they said that Amex XXXX attempted to charge the payment on the XXXX, and the XXXX. So {$58.00} disappeared into thin air, i should also mention that the first charge on the XXXX that is verified by my card statement, and the one on the XXXX both say the same thing, ACH NSF Fee In the amount AMEX EPAYMENT So that makes me think that all 4 of those charges are from Amex, or my bank. Yet my bank is saying it is because Amex tried to charge me, but the charge isnt showing up to anyone in charge of customer support at Amex. There is no way to provide images and they just pretend like they arent responsible for the charge, and my bank as well. I bank with XXXX XXXXXXXX XXXX XXXX XXXX. I have all the transaction IDs and screenshots of customer support.
Product: Debt collection

This is not my debt. Someone had to use my social security number. I wasnt at this medical place. It is against the law to even put this debt on my credit report without proper documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

-15 U.S.C 1681 section 602 A. States that I have a 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 permission.
Product: Debt collection

I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$3200.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.
Product: Payday loan, title loan, or personal loan

applied for a loan with bigpictureloans.com on XX/XX/2019 to help with some bills, got approved but after the finalization was done received the information on repaying the loan in detail. will be repaying 3 times the amount I borrowed. loan amount was {$1900.00} the repay is going to be {$6900.00}, this is completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my dispute regarding one inaccurate late payment on my XXXX XXXX  by deleting the entire tradeline. On XX/XX/2020 the Deputy Legal Counsel for XXXX sent directions to remove the late payment reference and update the XXXX  Tradeline on my Experian. However, because Experian has deleted the tradeline, the information that XXXX is reporting does not appear on my credit report, dropping my score for no reason. Experian correctly reports the exact same mortgage account tradeline properly on my wife 's report, so they know my report is inaccurate. 

I have no way to dispute an account that has been deleted by Experian and my repeated calls and written requests to Experian have been fruitless. I am stuck with an inaccurate Experian credit report that there is no way to fix.
Product: Mortgage

U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.
Product: Checking or savings account

Account went into overdraft on XXXX by less than {$5.00}. A fee of {$35.00} was charged at this time. I am usually alerted by emails set up by the company of low balances and possible NSF so I can transfer money before end of day processing. I was not alerted until the day after fees were charged. The representative today stated fees get charged and there was not a change to be done, a log was taken about emails not being received on time, advised her if they would have, the account would have had funds transferred immediately. I was alerted today of the account status and immediately transferred funds to bring the account into a positive status. Rep also gave useless solution advising she can remove the protection and have the account set up to auto decline so the insufficient funds isnt charged on the account. She began the recording of the disclosure and mention that fee would not be charged but instead other named fees would for the same amount and that I would get additional fees from the merchant. Why would this even be a suggestion, you say you arent gon na charge this fee but instead BOA is going charge me different named fee, and add to it any fees from the merchant.
Product: Checking or savings account

My account was closed with out any knowledge to myself not allowing me to access any funds and now I have to wait 10 days for and explanation and my funds
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 


Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXXXX/XX/XXXX