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

I reached out to Experian first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by Experian. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only Experian. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to XXXX.
Product: Student loan

Nelnet has so far been extremely unhelpful and sometimes directly antagonistic to me simply attempting to pay my loans.

I applied months ago one of the student loan programs and was approved. Funny enough, the amount matched what I had been paying already. However Nelnet has now attempted to begin double charging me. 

Their customer service is non-existent. Even as I write this I have been on hold for an XXXX XXXX XXXX minutes. They refuse to answer emails, drop calls, and their employees seem uninformed at best. All I am trying to do is make my payments and they are making it as difficult as possible.
Product: Credit card or prepaid card

I signed up for a Citibank AAadvantage executive credit card more than a year ago. The representation was made that the cardholder would have access to XXXX XXXX XXXX XXXX. Recently the credit card issuer citibank changed the terms of the user benefits to limit access to XXXX XXXX to cardmembers who were booked on an existing XXXX XXXX ( or affiliated airline ) the same day that the cardholder sought access to the XXXX XXXX. Previously the card could be used at any XXXX XXXX XXXX   without regard to which airline the cardholder was booked on. This unilateral major change in benefits should allow the cardholder to withdraw from the program. I requeted a refund of the {$450.00} annual fee which was charged to my card in XX/XX/2019. I was told by the Citibank telephone representative that I was too late and could not cancel the card and obtain a refund. I believe that Citibank acted in a fraudulent manner in changing the benefit without allowing customers to cancel and obtain a refund.
Product: Student loan

I owe XXXX plus interest that has accrued making my total debt close to XXXX dollars. I have applied for reduced payments but they say i dont qualify and my min payment needs to be XXXX   monthly. I am XXXX years olf and make less than XXXX. I feel that i am paining on interest that has been compounded over the years and with my wife being ill i cant afford these payments. I did the repayment by income deal and my payment could be XXXX dollars a month. I would file for bankruptsy but it wont help. Its truly robbery.
Product: Credit card

This morning I received a notification that my primary credit card was closed. I called customer support and was informed that not only was that card closed, but all credit cards on my account. They were unable to give me a reason as to why beyond the phrase not using the card as intended. I have no idea what that means, and I have been an exceptional customer for many years. I have never been late on a payment and have been paying thousands of dollars on my cards every month. 

The only thing I believe could have been a trigger was around {$20000.00} of disputes I recently filed. I was scammed by an XXXX seller for that amount. However, XXXX ultimately admitted my case was correct and told me ( I can provide the email as well ) that they would tell Chase my disputes were valid. I received my refunds/dispute resolution and everything was fine. I have to imagine there was some algorithm tripped and a human was likely too lazy to dig deeper and see that everything was fine. 

I have a XXXX credit score and by closing my accounts that are about to destroy years and years of fantastic credit history. Ive lost over {$60000.00} in open credit lines. I have and will suffer other damages, too many to list here, as a result of this account-wide closure. I need to speak to a human with authority to act on this to find out where the mistake has been made.
Product: Debt collection

I noticed this company attempting to collect a medical bill in XXXX of XXXX. The date of the medical visit was XX/XX/XXXX. My insurance company paid the claim submitted and then denied an additional claim for the same amount as it was a duplicate. I made a call to the company AR Resources and they advised me to email to have the collection removed and updated. Since then there has been no action and I again emailed them asking for immediate resolution and have yet to hear anything back. I am attaching supporting documentation to this complaint from the insurance company and my attempts to reach this company for resolution
Product: Credit reporting or other personal consumer reports

This letter is my final communication to Equifax regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

1. Account XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX have removed this account ) 2. Account : XXXX XXXX XXXX ( XXXX has removed this account ) 3. Account : XXXX XXXX XXXX ( XXXX has removed this account ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated, and time stamped for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid this account off with ZALES in XX/XX/2018. The rep told me that once i paid it off they will delete it from my credit report. I paid it off and i gave them 30 days to delete it ( thats what they said it would take for them to remove it ) i recently pulled my credit report and it still shows up on there. this is holding my back and hurting my FICO score.
Product: Debt collection

Capio Partners  continues to report an account that I have no idea about. They are reporting this false information with the credit bureaus and is causing me to lose a chance of renting new office space. I have perfect credit and this malicious information is damaging my business. My next steps will be to contact an attorney and file suit against them for damages.
Product: Student loan

On XX/XX/XXXX - I called Fed Loan Servicing to try to change my repayment plan ( I had been switched to Standard Repayment Plan ) because I had not submitted by tax returns by a requested date ( Fed Loan states they sent me a letter requesting the tax returns but I never received it ). I immediately sent my tax returns in, they stated that in the meantime while my information was being processed, I could ask to be placed into forbearance. To do this I submitted a forbearance request. They stated I would then receive a PAPER bill for a {$5.00} reduced payment. I also resubmitted application for income driven repayment plan. I was told my income driven repayment plan app would not be processed until the XXXX reduced payment was processed. XX/XX/XXXX - called fed loan, told reduced payment of XXXX was still waiting to be processed, told to not make any payments but to call back " in a couple of weeks. '' XX/XX/XXXX - called fed loan stated that they could see the request but there was some unknown problem, they would " push it forward " and I would get the {$5.00} bill now in my email. XX/XX/XXXX -- Called fed loan, stated I had not yet received {$5.00} bill either in email OR in inbox, they stated it would come betweenXX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX -Called fed loan again because I did n't trust them anymore by this point, rep now told me I would get the bill " this week '' and it would be due by XX/XX/XXXX XX/XX/XXXX- called fed loan told them STILL had not gotten any bill. Also told that my application for the income driven repayment plan had expired ( I had submitted it in XX/XX/XXXX but they said it had been pending until the XXXX payment was processed ). I resubmitted a new income driven repayment plan app
lication. I was told to " just go ahead '' and make a {$5.00} payment online and " they 'll know what its for '' despite the fact they had continued to tell me they would send me a bill and to NOT make any payments except when I received the bill. I made the {$5.00} payment. XX/XX/XXXX - Called fed loan told that their system was down and " ca n't see anything '' regarding my application or the {$5.00} payment, told that even though my forbearance period was up, and my bill was going to be due ( likely before my new income based repayment plan was processed ) I could request to extend my forbearance. Told to call back later.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My best friend of 30 years left me a payable-upon-death account. XXXX XXXX  on XX/XX/2022. Wells Fargo placed over XXXX in my checking account in XX/XX/2022. This money represented the amount payable to me in the payable-upon-death account. Six months later, in XX/XX/2022, they took the money from my savings account without any notice to me. 

I had relied on that money for six months. During that time, I spent some of the money on a new home in reliance on that money. 

Wells Fargo 's position is that this money was taken away from me pursuant to a request from the Department of Treasury, and that I " should call the Department of Treasury ''. 
It is fundamentally unfair for Wells Fargo to let me rely on this money for six months and then take it out of my account without notice. They will not do anything to take responsibility for their mistake.
Product: Debt collection

NCC has been mailing and calling me for about 4 months now. I sent 3 cease and desist letters and they still keep calling and mailing me. I even told one of the collection agents that I sent 3 cease and desist letters. She said she would make a note of it, but the collection activity continues.
Product: Checking or savings account

Hi CFPB, I had opened a checking account with Bank of America with a promotion where I would receive a {$200.00} promotion after having direct deposits totaling {$2000.00} or more. I've had two direct deposits since the account has opened and the bank has not yet credited my account for months. I am requesting that you look into their practice of not paying out the promotional bonuses. 

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

I previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Credit reporting or other personal consumer reports

I am looking at my credit report today XX/XX/24, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are NOT complete and accurate. they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe with my signature the information is False and inaccurate the date open on my credit account is inaccurate and the payment history. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows le cause to believe that the information is inaccurate.
Product: Prepaid card

Dear Sir/Madam, I am writing to file a formal complaint against NetSpend Corporation regarding their failure to credit my account for a transaction, despite having a receipt confirming the transaction.On XX/XX/year>, I loaded {$120.00} to my NetSpend account XXXXat XXXX in XXXX XXXX, Florida . Regenerating the barcode through their app and going to the selected location the app suggested. I have attached a copy of the receipt as proof of the transaction. Despite this, the funds have not been credited to my account.I have diligently submitted all requested documents to both the document department and the customer service department, undergone repeated verification processes, provided identification, and dealt with temporary account locks. These experiences have been unacceptable and have complicated the resolution of this matter.I have contacted NetSpend 's customer service department on numerous occasions and spoken with supervisors, only to be misled, given conflicting information, false timeframes for resolution, and experiencing disconnections during critical discussions.According to NetSpend 's policy, if they take more than 10 business days ( or 20 business days for new accounts ) to investigate and resolve this matter, they are required to credit my account for the amount in question so that I may have the use of the money during the investigation period. This policy has not been honored, and my account remains uncredited for the $ XXXX am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that NetSpend complies with their own policies and federal regulations. This issue has caused significant inconvenience and financial hardship for me, and I believe it is indicative of broader systemic issues within NetSpend 's handling of customer funds.Thank you for your attention to this matter. I look forward to your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- XXXX XXXX 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$720.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 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 - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 1681s-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, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}