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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My student loan servicer Nelnet has inaccurately reported a missed payment in the amount of {$45.00}, which could result in financial harm to me including impacting my interest repayments and credit score. For the time being, I have paid the inaccurate balance to avoid further issues, however this mistake must be addressed and resolved immediately upon receiving this complaint. 

Additionally, an amount due of {$130.00} for XX/XX/23 is currently being shown on my dashboard, which is an inaccurate figure. 

The accurate amount I should be paying each month is the following, which I have paid each month in full ( proof is attached to this complaint ) : {$390.00} Asking me to pay any other amount, and punishing me for failing to do so, is fraudulent and abusive. 

Since reaching out to Nelnet directly means a 2+ hour wait on the phone for customer service, I'm forced to pursue other avenues like submitting this complaint. 

This is the second complaint I've been forced to submit. I will be reaching out to my congressperson about the atrocious treatment Nelnet has subjected me to. It is unconscionable to treat people in this way. 

If necessary, I am also prepared to contact a lawyer if this issue is not resolved.
Product: Credit card

XXXX XXXX XXXX XXXX {$1100.00} opened XX/XX/XXXX and closed XX/XX/XXXX reported XX/XX/XXXX. 
Jefferson Capital Syst XXXX {$1100.00} opened XX/XX/XXXX and reported XX/XX/XXXX. 
Both accounts are the same but are reporting twice on my credit report. Please remove both trade lines from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$9600.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX XXXX / XXXX XXXX  XXXX XXXX XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
2. XXXX XXXX / XXXX XXXX XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
3. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX - XXXX XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
4.XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF ED/ AIDVANTXXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
6. XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
7. XXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF ED/ AIDVANT - XXXX XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.
Product: Student loan

XX/XX/XXXX - Received letter stating that for my 4 student loans 2 will be forgiven in XX/XX/XXXX and 2 will be forgiven in XX/XX/XXXX. XX/XX/XXXX - sent letter asking for a list of the payments are going to the loan foregiveness program because I signed up all 4 loans for the program at the same time and I expected an earlier date. XX/XX/XXXX - I called and was told that these numbers are correct but they ca n't give me any detail. XX/XX/XXXX - sent a 2nd request letter asking for this information XX/XX/XXXX - sent an e-mail XX/XX/XXXX ( today )- sent 2nd e-mail - although I now decided to contact you also because it 's been over six months.
Product: Payday loan, title loan, or personal loan

Hello I hooked up with this company through work. Solar company call solgen power XXXX XXXX charge me {$65000.00} to re-roof and install solar at my residence. The project was never completed. I filed a complaint with the finance company asking them to reverse payment or stop payment. They were rude and they did not act like it was their problem. I am also thinking that they have something to do with the solar company as a collaboration. I refuse to make a payment on this product because the project has never been completed. The finance company should take responsibility and make sure their customers projects are complete the roof on the property has partially blown off. The solar company came and took the panels down, I've already complained with the attorney generals office in the state of Ohio and it sounds like this company is committing a fraudulent act and the finance company is participating. There is multiple complaints on solgen powers website. Of their products not being completed I think this financial institution should take on responsibility and help the consumers when it comes to. These scenarios. And also not participate in fraudulent activities with a fraudulent contracting company. XXXX XXXX, should request a refund from the solar company and cancel this account
Product: Credit card or prepaid card

I am a XXXX patient, riddled with XXXX  XXXX and XXXX, getting treatment here in the US and in my homeland of XXXX, where I spend several months a year. 

In 2019 prior to leaving to XXXX, I was offered a promotional XXXX XXXX Master Card by Bank of America, where I have had several accounts for decades : there was some sort of bonus and it was a XXXX XXXX touted as particularly useful for my trips. Not being very versed in these matters and aware of my inattention due to my health, I asked the BoA clerk to set up automatic payments from my checking account. Since then, I summarily checked each month that the charges on the credit card account were legitimate, simply glancing at the app. This past week I discovered that there was an outstanding balance on the account, which included over {$1900.00} in Finance Charges! After an hour long meeting with the current Small Business Accounts specialist at the BoA branch in XXXX XXXX ( XXXX ), I was told that the card had a promotion of 7 months with zero interests, such that the clerk had initially set up the Autopay for the minimum due each month ; it would have been up to me to change the Autopay to the full amount once the promotion ended but nobody told me so! 

I lay claim against Bank of Americas Mastercard for a complete refund of ALL the finance charges on the following grounds : 1 ) it was not made clear to me that there was a limited promotional zero interest rate period which would require my modifying the Autopay at the end of that period ; 2 ) I received no notice warning me of the ending of that promotional zero interest period ( nor any instruction on how to change the Autopay setting ) ; 3 ) the resulting outstanding balance and fees were additionally disguised in the app because this is a corporate account which, as explained by XXXX this past week, sweeps the balances from the credit card into the corporate account ; for an individual who has no business activity nor dependents and who has XXXX XXXX XXXX, this is at best unnecessarily confusing ; 5 ) I have always maintained a positive balance over XXXX $ at BoA, and there has never been any time when I may have needed to postpone any payment in fact, I am adamant about having no outstanding bills due to my health, which often requires long hospital stays ; XXXX reportedly did obtain from BoA MasterCard a gesture canceling the last three months of finance charges but I feel this is deeply unfair : BoA was already earning interests simply from the funds in my checking account and should have no reason to let the credit card that they offered me charge me interest fees. 

This appears a return to the early XXXX when unscrupulous corporations lured consumers towards financial products that look great at first, but open the door to banks and credit cards to siphon their finances. In the era of Sustainability and efforts to end corporate greed, clearly we still can not trust these entities that always prove too powerful to regulate. When will this end??? 

Thank you for whatever assistance you can provide.
Product: Credit card

I put down a {$200.00} deposit to get this card and then close did attitude XXXX dollar balance, however, they decided not to close it and they kept it open and now it is {$13.00} over and theyve been charging me that for years they need to close this account because my security deposit more than pays the balance and remove it from my credit report I demand it
Product: Credit card or prepaid card

XXXX  credit card did not post my payment to my account in XX/XX/2018. I am unable to access my account online due to their system issues and they will not send me a paper copy of statements nor the letters related to the dispute, acknowledgement of proof of payment, findings of the dispute, the payment posting nor the amended reporting to the credit agencies due to XXXX not posting my payment. I was verbally told in XXXX that the dispute was resolved in my favor and I continuously call requesting and demanding MAILED copies of every letter related to this transaction and I have yet to receive one piece of mail OR a mailed statement which I have asked to receive the mailed letters numerous times. 

I just want these letters.This is a traumatic frustrating experience that has caused me so much stress. I do not understand why I can not receive the information that is mine and to obtain information to ensure my credit is appropriately restored and reported I have informed d, I very with the post office and not one piece of correspondence has been received at the post office
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car in full with a {$16000.00} balance. Wells Fargo failed to apply the funds and close the account. The daily interest continued to accrue. And they never alerted me to the fact that there was an outstanding balance of roughly {$25.00} which they then wrote off. They never told me that there was a discrepancy or gave me an option of paying the additional money to save my otherwise perfect credit. They reported this internal mistake as a write off on my credit. When i call in to discuss what happened, the customer service department acknowledges the time of the additional monies posting after my payoff, but they do not have the authority to approve removing it from my credit account. I have escalated this multiple times to a department that you are not able to talk to, but they have been less then helpful. They continue to report this and negatively impacting my credit
Product: Debt collection

I checked my credit report in late XX/XX/XXXX and saw this account on my credit. I did not recognize the debt so I disputed the debt. On XX/XX/XXXX, I received a first notice from Nation Credit Adjusters dated XX/XX/XXXX. I messaged XXXX XXXX on XXXX to try and get a contact who could help me resolve the account. I explained what happened and asked for guidance. The debt was so old, I had no way to prove if I did or didn't owe the debt so I went ahead and paid the debt online. I called in on XX/XX/XXXX and spoke with a representative to make sure the payment had been received and asked when it would be removed from my credit report. She stated that it would not be removed but would be updated to XXXX balance and marked paid in full. I told her that I never received a first notice and on a recorded line she stated that they sent a first notice on XX/XX/XXXX and it was marked as mail return. They got my updated address from when I disputed the account in XXXX and then resent the first notice. I never received a phone call or a first notice so I had no opportunity to dispute the debt or pay it before they credit reported the account. I have disputed twice and the company keeps replying that the info is correct. They updated the payment that I made and left a balance and shows unpaid collection. I have emailed the CEO and submitted a message via the company website. This is not fair debt practice tactics and I want this removed from my credit report. I will also be filing a complaint with the Kansas Attorney General 's office and the FTC.
Product: Credit card or prepaid card

I requested Capital One to Remove a {$79.00} member fee and all additional interest acquired because of the above fee applied to the account on XXXX effective immediately. Allegedly a replacement credit card was sent 2 months ago however I never received or activated any card since XXXX XXXX so I locked my account and the prior card was closed on the account because of fraud use as well. I communicated with the company via chat on their website and via phone XXXX requesting why and how are you assessing a member fee for an account card thats 1 never received or activated and the other card was closed for fraud. Unethical and not business sound to charge something thats noy even activated really? So as a result stated to close account and only paying my balance owed not any additional fees and interest and need to remove the fees and interest accrued because of fee they posted on XXXX and they refused but closed the account but stated i have to wait 45 days or more to adjust fee but will not adhust any interest smh.
Product: Checking or savings account

I utilized my Citibank Debit card to place a down payment towards the purchase of a vehicle at 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. The amount was for {$10000.00}. As per my request the transaction was voided by the salesperson who was manipulating the machine into which I inserted my Debit card. I was given a printed receipt of the voided transaction. But the transaction was processed the following day on XX/XX/year> by Citibank. The completion of that transaction wasnt authorized by me. I notified Citibank of the error when I noticed it on XX/XX/year> and filed a claim of a disputed charge. I physically went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to notify them of the error. They stated that they would contact their Accounting Dept. & would rectify the error. They stated that they would call me the following day with an update. They never did call. I called them XX/XX/year> to check if they had corrected the error and refunded the {$10000.00}. They stated that they never received any money from my Citibank account and insisted that the receipt of the voided transaction from XX/XX/year> was proof that the exchange of funds never took place. I called XXXX XXXX XXXX again on XX/XX/year> and was told the same, though the transaction was posted on XX/XX/year> and showed a transfer of funds of {$10000.00} to XXXX XXXX XXXX. Im including a copy of the receipt for the voided transaction of {$10000.00} from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, L ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Thomas Agency Inc. did not forward information to the updated address of my company listed with the State of Maine. Instead, they knowingly used unverified information to send sensitive financial information to a previous address that is not associated with my business and was never contact information provided to them by myself or the company attempting to collect. 

The Thomas Agency Inc., upon being confronted over the telephone with this fact on XX/XX/2018, maintained forcefully that they are not obliged to verify the information they obtain and that they are free to send my company information to whomever they wish. 

My company 's address is up-to-date with with the Maine State business registry and on it's official web site. The information The Thomas Agency Inc. willfully used was provided to them by XXXX, a data aggregation and sales company that holds no license or accreditation. 

I requested that they only send information to the updated address, available freely on official registries and provided directly by me. They threatened me by telling me they were free to send my information to whomever they please and would continue to do so, citing that the account is a corporate account and not a personal account. 

As an agent connected to the original company requesting debt collection, XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated there Privacy Policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent letters to Trans Union Disputing inaccurate information on my credit report and they have neglected to send me an update or response.
Product: Vehicle loan or lease

To whom it may concern ; On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX Honda. After a couple of test drives of the various Honda Accords with my XXXX person XXXX XXXX we began crunching numbers. I was already pre-approved with XXXX XXXX {$41000.00} at 5.01 % interest, but we negotiated back and forth until the XXXX XXXX said he believes he can beat the APR rate, plus you wouldnt have to begin making payments until XXXX. However, I didnt want to go over {$500.00} per month. It was then explained to me that I can do a refinance after 6 months which would probably bring my payments down to where I want them. I then went to see XXXX in finance to complete my paperwork. XXXX insisted on me getting GAP insurance and as he explained the Pros and Cons, especially since this was a brand new car with XXXX miles on it I agreed to the GAP insurance, as XXXX and I closed the deal with a payment structure of XXXX per month for 72 months. I asked about any paperwork prior to leaving and he said everything will be emailed to me. 
I have been reaching out to XXXX XXXX Honda since the end of XXXX to now about a payment booklet, sells contract on where to send payments and I was always given the brush off ; Well call you back or where aware of the situation. The last person I spoke with, XXXX XXXX on XX/XX/XXXX from finance  was going to email me my bill of sells but that didnt happen, nor did I get a call back as promised. Now it is XX/XX/XXXX my temporary tag expires tomorrow and I need to rectify this situation immediately. 

Sincerely, XXXX XXXX
Product: Bank account or service

Citi offered a deal that if you used a specific promo code and signed up for their premium CitiGold checking account, they would award you XXXX XXXX Miles. It was confirmed XX/XX/XXXX that I had met all the requirements for this offer ( {$1000.00} in debit card spending, 2 months of online billpay, opened account using promo code. ) I was told that I would be awarded the miles within 90 days. This was over 5 months ago. XX/XX/XXXX i was assured that the miles would post within XX/XX/XXXX, but that did n't happen. XX/XX/XXXX, I contacted Citi Bank again, and the customer service representative opened an investigation to check the status of my miles. He said I would hear back by XXXX XXXX, but nearly 2 weeks later I still have n't heard anything. This checking account charges a $ XXXX/month maintenance fee, and I 'm starting to feel like this offer is being dragged out so that they can collect additional fees.