23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act. I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements. I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXXDepartment of Education acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) Section states 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.

15 U.S.C. 1682s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX sent my new credit to an address in Virginia. This was the incorrect address. I do not live in Virginia. XXXX now a victim of identity theft due to XXXX giving someone else my credit card. I had to close the account in order for the card that were sent to another address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
Product: Student loan

This is the last email I sent Nelnet, if it is helpful : Hello, I am following up yet again with questions regarding repayment and hoping I can one day get a concrete answer. I have been asking ever since my loans were transferred to Nelnet what my monthly payment would be and a ) never got an answer for months and then b ) when I finally received an answer, it was wrong. Since repayment started, I have had a different balance nearly every month, even though it is on autopay, ranging from in the {$70.00} range to the high XXXX  XXXX. 

Most recently, I received an email saying my amount due was {$69.00} ( due on XX/XX/XXXX ). However, on both XX/XX/XXXX and XX/XX/XXXX, my account was charged {$170.00}, even though the billing statements said completely different amounts and most months prior ( XXXX - XXXX, which was also the most continuity my account had ), I was charged {$140.00}. 

I need to know several things, at this point : a ) Why has no one been able to provide me with a concrete monthly payment amount? I have been paying loans back every single month since XXXX ( aside from the XXXX break ) and have never had these sort of discontinuity issues before b ) Why are the billing statements I'm receiving completely different from the amounts my account is actually being charged? How do you expect people to pay back these absurd loans regularly and keep a budget if you can not even keep numbers straight? 
c ) Why has the amount changed every month? For a fixed repayment loan, now likely out of the " ramp up '' period, why can't things be kept consistent? 

Please let me know ASAP answers to all of these questions or direct me to someone who can. I have dealt with many loan servicers over the years and undoubtedly Nelnet is the worst by far. Clearly customer support and clarity for customers has never and will never be priorities for Nelnet. 

Looking forward to finally hearing back and getting some answers,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made this dispute with Equifax on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with Equifax all three are with the same company for medical bills. The debt collection agency is XXXX/ XXXX also known as XXXX XXXX and the account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by Equifax and was verified by a Manager at Equifax by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called Equifax on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager.  Thats when I spoke to XXXX employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by Equifax intel? His response like all the other Equifax robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX  ruled in my favor so how is it given the same information Equifax just goes with whatever XXXX/XXXX has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until XXXX updates the information and that XXXX doesnt have to prove any of what they are reporting. Its baffling to me that Eiquifax even opens a dispute at all given that they dont investigate. Something needs to be done.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX
Product: Credit card or prepaid card

RE : Notice of unauthorized use of PayPal credit account. 

Dear Sir or Madam, I am the victim of identity theft. My Paypal account was used for multiple unauthorized transactions on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The first transaction of {$360.00} on XX/XX/XXXX was legitimate. I did not authorize the two subsequent transactions that day or any other PayPal transactions after XX/XX/XXXX. I did not authorize anyone else to use my PayPal account in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act. and implementing Regulation E, 15 U.S.C. 1693 et seq. 12 C.F.R. 205 of my unauthorized transactions.

See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving my PayPal account, including but not limited to the following : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$410.00} on XX/XX/XXXX I am attaching a copy of each of the following documents to this letter : The FTC Notice to Furnishers of Information FTC Identity Theft Report Please restore any funds which have been withdrawn from my PayPal account and adjust the balance and interest back to XX/XX/XXXX. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any funds have been restored.
Product: Credit card or prepaid card

I contacted Apple credit card on XX/XX/23. This is the date my statement balance of {$990.00} was due. I had a total balance of I {$1500.00}. I explained to an employee ( I still have all the messages in my text thread ) that I ran into a situation and that I needed about 2 weeks to pay my balance in full, and ask if they could waive ANY interest charges ( OR FEES ) since I had a good relationship with them. The minimum payment was {$25.00} and I specifically asked if I only paid that, would I have to pay ANY interest and they said NO, because I was gon na pay the full balance off within 2 weeks. I paid the {$25.00} ( and they didn't credit my account ) and the next day they started charging interest to my account, after I got a clear reply that they 'would n't ''. I feel like this was exploitation. One of the reps did file an internal complaint on my behalf but because I was already given bad information I feel its best if I get a third party involved. This isn't about Apple or Golden Sachs policies on interest, this is about the conversation I had with an employee. Because I was given specific answers to specific questions, I feel that should be honored, regardless of who I speak with in the company after that. Now my account is accumulating interest everyday. Had I been told that when I asked, I would have figured out another way to pay the balance off in full on the due date,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a student loan of {$35000.00}. I attended XXXX XXXX XXXXXXXX XXXX in Tennessee in XXXX. The loan was originally with Navient. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from Navient showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... . I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL student loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!
Product: Debt collection

Citibank called me and told me I owed a late fee in XXXX because my payment on my sears improvement card went up.. so I paid it..I was told this would bring my account current.. NOW I get a call today saying my account is past due again and I owe them {$26.00} and once paid they would reverse the late fee of {$35.00} so I paid it over the phone again.. then I was told that NO that's not true by a supervisor, that they credit my balance,, but the payment was still short so I would continue to accrue late fees!!!? So the rep LIED when they said the extra payments I made were bringing the account current, they lied just to get me to pay something over the phone to help their goal for the day and would lie, cheat and steal, to do anything to get a XXXX senior on a limited income, to give them money! NOW I am told that the money I gave today will STILL not bring my account current.. again! they did this to my sister on a card she had with them and she got so disgusted, she stopped paying it. the Citibank XXXX  XXXX page if filled with similar complaints.. if you add up all their fraudulent fees they have charge people, I think you will find overwhelming evidence to fine them into a class action law suit.
Product: Credit reporting or other personal consumer reports

Inquires I did not authorize. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Credit Collections XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Checking or savings account

I opened a Citibank checking account on XX/XX/2022 with the promotion attached to the account where I would receive a {$400.00} sign up bonus if I deposited {$15000.00} in the account within 20 days of opening the account and keep the {$15000.00} in the account for 60 days. I met these requirements and after I was supposed to have received the bonus they kept telling me that they were working on it. XXXX  days after I opened my account they closed the account without giving me the bonus and now they claim I can't get the bonus because my account is closed. They owe me this promotional {$400.00} as I met the terms. They closed my account so they wouldn't have to give me the bonus.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX  since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX  was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX  XXXX or SEED Consulting as it comes up on my credit card was at a convention in XXXX XXXX for XXXX XXXX XXXX  Mastery  Marketing Event. I attended because I already had invested our insurance policy/ money into this company. ( XXXX XXXX is now under investigation by FTC-XX/XX/XXXX ) I lay awake at night wondering how to pay off all this debt I have got myself into. I'mXXXX this was supposed to be a retirement plan, not a work forever plan. Going thru my tax info recently, I have realized if I had not got involved with XXXX XXXX XXXX I would not have the problems I have now. 
They actually helped me secure the cards/credit I put the " all in '' amounts to XXXX XXXX on. They ( XXXX @ XXXX ) made it seem so easy. I can still see him handing me the pen to sign up for their services. " XXXX is no problem for XXXX members, Many of them make way more than that '' ... I would have a year to get them paid, but a few months I should be seeing income. I was instructed to go along with my " projected income '' if any of the card companys call to verify my income .... $ XXXX more annual income than I make. I wish they were all like XXXX XXXX who declined the application because they found out it was third party application. That it was done for me. They actually called me. All the others were done the same, but XXXX was the only one who called me. ( kudos to them ) My credit Limits were high, at zero % interest. Only problem is XXXX XXXX is fraudulent. XXXX XXXX  was there for XXXX XXXX. They were ready secure credit for people to go all in and join XXXX. Now I am broke ( and can't afford the interest on these " great '' cards. I don't know what to do. I am trying to dispute all the XXXX charges but have only heard back from one card company. XXXX XXXX has reversed their charges. Thank XXXX.But that is only a fourth. If I could get a credit slip, XXXX XXXX would reverse XXXX   XXXX but they said it was more of a legal case. I got the service, just because it was deceptive wasn't their call. 
XXXX XXXX and XXXX XXXX ( XXXX XXXX ) have not even acknowledged my {$9600.00} each in dispute from XX/XX/XXXX paid to XXXX XXXX or XXXX XXXX ( XXXX ) Again thank you XXXX XXXX, your are # 1 There is alot of marketing expenses still on these other cards, following " the Plan '' I will never recover except as a hard lesson.
Product: Credit card

On XXXX  I applied for a Capital One Mastercard. I was denied I called capital one and was connected with a man named XXXX who transfered me to his senior manager over escalations team. I informed the man that I had been denied and that regardless to the reason for being denied. I have the right to credit and that withholding my access to my securities is securities fraud and that it was a violation to the equal credit opportunity act and consumer credit protection act and that since they were denying me my credit to please retract my application. He told me that was not something he could do. So I asked for his name he refused to tell me at which point I told him he was being recorded as well and for him to please put me through to the person who could help me he said that there was no one with that capability I asked to speak to his manager he said he was the manager I asked to speak with who he answers to at this time he told me that he was not allowed to release that information and that if he was being recorded that it was company policy that he not say anything until I vocalized that i was no longer recording. I asked him if the conversation was still being recorded on his end he answered me yes and I replied again with asking his name at which point he hung up on me. 
I exercised my right to credit in good faith and was denied. This was unauthorized use of my security application and social security number, as they were not used for my benefit.