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

In XX/XX/XXXX I received a NetSpend Card for my wedding gift. My brother purchased the card for me at a XXXX location and included a receipt stating it was {$100.00} on the card. A week later I went to activate the card and was told by a NetSpend customer service representative that I would have to give my social security number to them in order to activate the card. I told them that I've never been asked to provide my social security number to get access to a prepaid gift card. The representative told me if was company policy. I ended the call and stored the card away to figure out what was really required to activate the card. 

Recently, XX/XX/XXXX I called again to activate the card. I was asked again to provide my social security number. I told them I didn't feel comfortable with this as this is a gift card. The NetSpend representative then told me the card was actually bank/check card that only can be activated by opening up an account with them, hence the need for my social security number. I asked her to verify the amount on the card. The representative explained that there was {$100.00} loaded on the card back in XX/XX/XXXX but NetSpend has been charging me a monthly maintenance fee that they charge on all active accounts causing my current balance to be XXXX. 

I went back in forth with the representative to get a better explanation of what occurred. If by NetSpend 's policy I must open up a line of credit with them to activate an account and they charge a monthly maintenance fee for all active accounts, how was I charged a maintenance fee for an inactive account? 

I asked this question several times and was just told that is there policy. As of this date, Wednesday, XX/XX/XXXX, I have not activated an account with them. My complaint is regarding NetSpend 's false advertisement. All prepaid gift cards I have received in the past were sincere gift cards that did not require me to open up a an account with them tied to my social security number. If this is a bank card and not a gift card, NetSpend must change their packaging/advertisement to reflect this. Additionally, because NetSpend is advertising themselves to be a pre-paid gift card, retailers like XXXX are stocking them near gift cards making it easy for a customer to mistake this NetSpend Card as such. There is no way for the customer to know this is a bank card unless they purchase it and open it up. There is no way of knowing about the monthly fees that are apparently activated as soon as the card is purchased until you purchase the card. 

My last complaint is regarding the monthly maintenance fee charged on activated accounts that was charged to an inactive account. My brother spent {$100.00} on a card that was completed absorbed by NetSpend. Their current policies basically is a trap to take consumer 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the consumer reporting agencies TransUnion, XXXX, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX  myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Product: Student loan

I have a federal student loan through NAVIENT. I have been making payments for the last 3 years without missing a payment. I was offered a lower repayment plan 2 years into my loan which I took, because I was reassured my interest would not be raised and my total loan repayment amount would not increase. Basically a week ago I find out that after 3.5 years of payments towards my original $ XXXX student loan, the loan had decreased ONLY {$250.00} to an updated principal balance of {$25000.00}. AFTER PAYING $ XXXX TO NAVIENT OVER XXXX YEARS MY LOAN BALANCE DECREASED {$250.00}! I called/emailed them to find an explanation, and after multiple attempts to dodge the situation I got in touch with a " manager ''. She told me that she looked into the recorded phone call I had with them and that I was indeed given wrong information but there was nothing Navient could do about it because of some " rules and regulations '' document they claimed they mailed me. She said that for the majority of the time of my loan, over 3 years, XXXX % of my payments was going to interest and only XXXX % towards interest. All in all my $ XXXX student loan would take $ XXXX to pay back ( I have this in writing and over a recorded call with Navient ). I told her how unacceptable that is and she said theres nothing she can do because I signed up for the " graduated payment plan '' even though a Navient employee told me wrong information on it regarding interest/life of loan ( again, she admitted and recognized that I was told my interest would remain the same and that I would be paying the same amount over 10 years just in graduated increments- all of which was completely false ). She said she was sorry about the misrepresentation of the plan but that it was on me. 

Please call me with any questions as I want to help my situation as well as take down this corrupt company.
Product: Credit reporting or other personal consumer reports

During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from XXXX XXXX, Equifax and XXXX for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.
Product: Debt collection

From : XXXX XXXX <XXXX> Subject : Fraud ob XXXX Check I did not write a check to XXXX  for XXXX. I have not written any hand checks since XX/XX/2019 for XXXX please remove charges and reverse courtesy pay. I should have XXXX in my account! Please investigate now and remove fraud XX/XX/2019 Withdrawal Fee / Courtesy Pay Fee In the amount {$30.00} XXXX XXXX - {$35.00} - {$63.00} XX/XX/2019 ACH Withdrawal / XXXX XXXX - {$30.00} - {$28.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion are reporting inaccurate information on my credit report as a result of identity theft. XXXX  report attached.
Product: Checking or savings account

Last week I bought Crypto from XXXX. My email address associated with the XXXX account is XXXX. Trouble is, XXXX never sent me my crypto. So they stole my money and never gave me any crypto. This is fraud. Bank of America informed me that I am unable to report this as fraud, which is not right. The company literally stole my money. When we complained to Bank of America last week they said that my payment to XXXX was still processing and there was nothing they could do until processing was done. " When will it be done? '' They told me last week it would be done processing by the end of the day. So we contacted Bank of America support this week again on Tuesday, they told us, the processing would definitely be done by Wednesday. Well, here it is Friday, and the processing still isn't done! 

We keep contacting Bank of America and they keep stonewalling us, changing their stories. XXXX has fraudulently stolen my money. Not only does Bank of America refuse to report them for fraud, they also refuse to do anything on account of their processing glitch. They are of no help whatsoever. They just keep stringing me along to get me off the phone. 

So XXXX illegally steals my money and Bank of America has absolutely no recourse for me, the wronged party. This is fraud and it should be reported as fraud. As it is, the wronged party, have no recourse whatsoever. My email address associated with Bank of America is XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the last few days I have tried to contact NCB management and they wont answer any calls or return my calls. XXXX trying to get a collection resolved but theyre refusing to work with me
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block all fraudulent information on my credit report.
Product: Mortgage

I requested payoff documents from XXXX XXXX to pay off a HELOC loan. Wife and I signed the documents and setup to fax them at the fax number they provided on the pay-off documents- XXXX. 

I started the process of requesting a cashier 's check from my bank as instructed. 

After XXXX hours of being unable to fax to XXXX I waited until their customer service opened on XXXX  and called them. I was told that that fax number was incorrect and to send to XXXX instead. 

I feel that they are making it as difficult as possible to pay off a loan and close the account. I have no confirmation whether that XXXX # is correct for pay off documents, and now that I had to wait until customer service opened, my payment is due to arrive on XX/XX/XXXX and the quote was as of XX/XX/XXXX, so I fear they'll charge another {$0.00} interest and require me to spend {$30.00} on another cashier 's check for the difference - because they have an incorrect phone number on their payoff docs.
Product: Bank account or service

Case number : XXXX USAA Closed my checking account and caused my insurance to lapse due to their not telling me the policy was close to the end. Instead they send me a letter stating I must send them money including charges which I paid. I never received a policy that I had asked XXXX XXXX to send to me/ Nothing was ever given to me from USAA or XXXX XXXX . I paid the money for the policy should I not have a copy of what I have paid. 
USAA paid {$2000.00} to the hospital I was in after an accident that totaled my vehicle. 
I feel this was not correct as the policy I had stated the funds should be paid directly to me. 
When the party came from USAA I was XXXX. I was moving a small refrigerator into my bedroom. The refrigerator was very light. Yet your party ran off. 
I would have expected that person to at least identify themselves. XXXX. 
While XXXX is when that party called and told me they were glad to be rid of me. To me calling while I am suffering is not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. 


To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and Equifax, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting!

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX   as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute multiple inaccurate, unverifiable, and incomplete items listed on my TransUnion credit report. Despite previous attempts to resolve these disputes, TransUnion has failed to correct or remove the erroneous information, causing ongoing harm to my creditworthiness and financial health. 

Disputed Items : The following accounts are disputed due to their inaccurate reporting : 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 TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i ( a ) , which mandates credit reporting agencies to conduct reasonable investigations within 30 days when a dispute is filed. 

TransUnion has also violated FCRA 1681s-2 ( b ), requiring them to investigate and correct inaccuracies in a timely manner. If these accounts can not be verified with proper documentation, they must be removed immediately from my credit report. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), FDCPA 1692g, I am entitled to debt validation for collection accounts, and TransUnion is legally obligated to remove unverifiable collection accounts after failure to provide the requested documentation.

Impact and Legal Consequences : The inaccurate and unverifiable information is causing substantial harm to my credit score, hindering my ability to obtain credit, loans, and other financial products. The continued presence of this erroneous information is adversely affecting my financial stability.

If TransUnion fails to resolve this dispute and correct the inaccuracies within the statutory 30-day period, I will pursue legal action for statutory damages and emotional distress, as provided under FCRA 1681n & 1681o, and FDCPA 1692k.

Request for Immediate Action : I am requesting that TransUnion immediately investigate and correct these inaccuracies. If the accounts can not be verified with supporting documentation, they must be removed from my credit report. I further request a written acknowledgment of receipt of this dispute and a detailed response within 30 days outlining the actions taken. 

Failure to resolve this dispute will compel me to escalate this issue further, including formal complaints to the FTC, Florida Attorney General, and filing for legal recourse for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Dispute letter on XX/XX/2021 and XX/XX/2021 stating that an old account was over 7 years and I sent proof of that, the company has change 3 times of information to stay on my credit report and when I ask why, Experian just mention that this company is right and it will stay on my credit file for longer, even thought is over 7 years old, is closed and never sent me any evidence that they investigated or received anything from this company
Product: Payday loan, title loan, or personal loan

I called to ask the loan company if I could arrange an extended payment plan, or make a larger payment to reduce my biweekly payments, because they are pretty large.  They told me that neither option is avaliable.  If I did decide to reduce my loan with a principle payment, I would still have to pay the amount in the agreement for the remainder of the payoff.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my XXXX but still reporting twice with a different company on transunion and experian. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called aidvantage and questioned why my payments only went to interest and nothing was applied to the principle. The women I spoke with stated it was hard to explain and that congress set the process and she would escalate it up the chain to provide me with a break down. The information they sent was just how interest was calculated which I already had from there website. I am still waiting for a clear answer to get a clear answer on why nothing has been applied to principal. My loans started XXXX with payments of XXXX and nothing has been applied to interest minus XXXX. 

Now I was forced to go to Aidvanatge when XXXX went away and the only thing that keeps happening is my original loans that were a quarter of this amount keep getting bigger and bigger with interest.
Product: Credit reporting or other personal consumer reports

I'VE NOTICED SINCE XXXX I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE XXXX ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX  XXXX regarding the account that do not belong to me.