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

When reviewing my account in 2017, I determined that Equifax has an incorrect " suffix '' for me ( i.e., XXXX ). I filed a dispute and provided Equifax the documentation they required to demonstrate that I am not a " XXXX ''. Their email sent XX/XX/2017 indicated the dispute was resolved. The dispute was not/is not resolved and I was told that the only option was another dispute. I am not particularly interested in jumping through Equifax 's " 13 fiery rings '' again without some assurances that the result would be different this time. For all the documentation I had to assemble to demonstrate that I was not a " XXXX  '', Equifax could not tell me where the information came from that led them to believe " XXXX. '' was an appropriate suffix. 

Also, I just ( today XXXX ) tried to log into my Equifax online freeze/thaw account to perform a " thaw '' and was told I needed to do a password reset. I followed the instructions and the website indicated instructions to reset my password were sent to my e-mail account. No instructions were sent. When I called XXXX I was told by the rep that unless the account was created 3 months ago, I would need to create a new account. I just tried to do that, and when I completed the online form and submitted it, I got a server error indicating " We are temporarily unable to connect to our services ''. It seems strange that the other Equifax online ( non-freeze/thaw ) account I have where they can peddle services to me seems to always perform flawlessly.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

Nelnet has reported my account as 90 days delinquent for XX/XX/year>, causing a XXXX drop in my credit score. This is both unfair and unjustified, as their persistent technical outages have made it impossible to access accounts and submit payments. This issue is widespread and well-documented, yet Nelnet has failed to address it properly. 

Before the 90-day cutoff, I attempted to log into my Nelnet account multiple times to make my payment on time. However, I consistently encountered login failures, lagging issues, and system errors. As I am unable to make payments via phone, I am solely reliant on Nelnets online platform, which has proven to be unreliable. 

Nelnet must be more transparent about its ongoing technical difficulties and their impact on payment deadlines. It is unacceptable for borrowers to suffer credit damage due to system failures beyond their control. I wish that this delinquency be removed from my credit report and that Nelnet provides clearer communication and solutions regarding these recurring technical issues moving forward.
Product: Checking or savings account

I have been a victim of a fraudulent transaction which occurred on my Bank of America account on XXXX and XXXX XXXX XXXX, this was due to negligence and unauthorized access to my account. 
I was requested to do a favor by a person ( Friends friend XXXX ) to transfer funds from my account to his cousins account after he would have deposited the amount into my Bank of America ( BOA ) checking account. After receiving the funds XXXX which I thought were deposited by the above-mentioned XXXX ), I did wire transfer deposit matching funds ( on XXXX XXXX and XXXX XXXX XXXX ) from my account to another account as per the request. 
The funds that I thought were deposited into my account by the XXXX were the result of a temporary cash advance ( XXXX misrepresented himself as me to BOA, claiming that a previous ATM cash deposit made on my account was not visible, hence the bank while investigating the case made a temporary/cash advance into my account ), all this was unbeknownst to me at the time, I thought it was a deposit by XXXX 
Without any proper verification, BOA made a temporary adjustment totaling {$3600.00} ( {$1900.00} and {$1700.00} on XXXX and XXXX XXXX XXXX respectively ) to  satisfy the claim of XXXX. After BOA discovered that there was no missing ATM deposited funds, they rolled back the temporary/cash advance on XXXX & XXXX XXXX XXXX. All the above details were brought to my notice when I noticed my account was overdrawn on XXXX XXXX XXXX. 
I would like to make a complaint against BOA for a few major factors that I consider negligence on the part of BOA, also none of the above was brought to my attention until I noticed my account being overdrawn. BOA has myriad ways to contact me, including email, mail, phone or text message. Listed below are few of the details that I have issues with : 1 ) Allowing XXXX to manipulate then into believing that an ATM cash deposit was made on an account that clearly had nothing to do with that person. 
2 ) XXXX pretended to be me is a XXXX and I 'm XXXX, which clearly implies that the given information to an unauthorized person. 
3 ) Documentation concerning to XXXX claim about the missing ATM deposit was sent to a mailing address that is not mine, hence this documentation was never received by myself. BOA has always had my mailing address on file. 
XXXX ) A Cavalier attitude to security on the part of BOA has victimized me and made me realize that my account has no protection and is insecure. Is this how BOA treats their loyal customers? 
5 ) It seems that the security verification questions post the XXXX were my account number and postal address, which can not be called " security verification. 
6 ) Why in world would anyone grant a temporary cash advance without proper verification. 
My attorney has advised to send you this letter laying out the facts in a straight-forward manner hoping for a speedy resolution of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts and inquiries reflected on my consumer credit report, as referenced below, which I believe are the result of a data breach or fraudulent activity. I request verifiable proof, including my signature or electronic signature, to confirm the validity of these actions.

This letter is being sent directly by me, not a third party, and I kindly ask for your thorough attention. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, they breach Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information stemming from a data breach or fraud, as well as Section 604 [ 15 U.S.C. 1681b ], which defines the permissible purposes of consumer reports. 

I have already contacted the companies involved and confirmed that these actions were undertaken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and appear to result from a data breach or unauthorized reporting of my information by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/2021, My family unfortunately fell victim to a scam. We found this puppy website online and thought we are getting a puppy but this was all a lie. These people do not have any puppies and used a fake address. The individual tricked us into paying him the full amount in Venmo for {$860.00}. When I tried to contact Venmo, theres no customer support available as its a Sunday. I had to refer to the apps dispute instructions. The app instructed me to first request money back from the same sender if I would like to get the money back. So I click the one button that says request / pay I put in the same amount {$860.00} I wanted a refund of. 2 buttons right next to each other appeared Request and pay - I accidentally hit pay ( theres no separation on this button, if you have big fingers or just blinked for a microsecond you can easily miss ). And just like that, I paid this individual TWICE! Theres not even a confirmation or review step to make sure. I reached out to venmo multiple times and of course my case was declined. I understand that the user agreement with Venmo should be between people you know, and I understand being out of the money for the first payment I did, but the second payment that is made by mistake because of their apps design flaw, they should be held accountable for that. Even with friends and family, not everyone will return your money if you accidentally paid them. It was such a simple fix and highly preventable ( separate the buttons, have different tabs for requesting and paying, or even have an extra review step ). I have taken all the necessary steps I need including reporting to my local law enforcement agency, filing a police report, and reporting to the CFPB. Venmo should as well, because with the way things are, they are aiding and abetting scammers and dishonest people.
Product: Checking or savings account

In early XX/XX/XXXX, a bank statement from Huntington Bank was forwarded to our new address in New Jersey. The Account No. is shown on the attached copy of the statement. We never opened this account. When I called the bank in early XX/XX/XXXX, they said it was opened by someone with a telephone number that is neither mine or my wife 's. The statement claims we have {$9.00} in a savings account. The statement activity is supposed to be from XX/XX/18 to XX/XX/XXXX. In addition, the account was opened in Ohio. Neither my wife nor I have ever been in Ohio. The person I spoke to said the complaint was being transferred to " the investigative team. '' We have not heard back in several weeks and I called again today. 

The person I spoke to said there was no record in their system of my original call. She took the information again and agreed with me that this seems like fraud. When I asked why there was no record of my original call, she said she didn't know. When I asked what was going to happen to the information I provided, she said it was being transferred to " the investigative team. '' We are concerned that someone may be opening an account in my name without my authorization.
Product: Credit card

Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have.
Product: Debt collection

On XX/XX/2016, I signed a lease for an apartment, which included a {$170.00} bond agreement in lieu of a security deposit, which was paid to XXXX that same day by cashiers check. 

From XX/XX/2016 through XX/XX/2016, I was receiving monthly bills form XXXX demanding an additional {$1000.00}, despite my signed agreement stating that the total premium was to XXXX {$170.00}. I spoke with my landlord about thjis, and I was told to ignore the bills. 

I was recently informed that the {$1000.00} debt is showing up on my credit report, and I requested a validation of the debt from Fair Collections and Outsourcing, the company reporting the alleged debt. The black-and-white copy of the contract they sent back has significant alterations compared to the original that is still in my possession. Specifically, my original copy, which is signed in blue ink, shows that the total premium due was " XXXX ''. However, the low-quality black-and-white copy the debt collector sent back shows a total premium due of " {$1.00} XXXX ''. The bond coverage amount is adjust as well. Instead of reading " XXXX '', it now reads " {$1.00} XXXX ''. 

The omission/inclusion of the dollar signs and spaces in the above quoted numbers are not random, they are an exact reflection of the differences between my original contract and the copy provided by Fair Collections and Outsourcing.
Product: Credit reporting or other personal consumer reports

I have placed a dispute with this creditor XXXX XXXX, XXXX, and XXXX in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and XXXX failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and XXXX have not been properly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporters act. convergent account # 's below 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 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXXXXXX account : XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account : XXXXXXXX XXXX XXXX XXXX  : XXXX
Product: Credit card or prepaid card

capital one employees are so unprofessional. I found out that after co-vid they decided to changed an agreement and say I owe an additional XXXX on a PAID IN FULL account. When the lady got my piece of the feelings I feel about it. SHE canceled my current capital one account out of pure XXXX AND XXXX XXXXXXXX WAYS OF BEING A COMPANY. 

THE REVERSAL OF PAYMENTS OF WHICH IM SURE THEY WILL SPEAK OF IS DUE TO ANOTHER XXXX COMPANY CURRENT BANK AND AS FAR AS THE MONEY YOU CAN AS XXXX XXXX  OR XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to pay off my entire balance on my Goldman Sachs Apple Card on XX/XX/XXXX and called in to make a balance transfer of {$5700.00}. The payment was initially accepted on the phone, but a few days later the charge was denied. 

I still had a balance due on the Apple Card, so I called to find out what the updated total amount due was. The rep told me my new balance was {$5800.00}, so I mailed in a physical check. That check went through on XX/XX/XXXX. I showed a {$0.00} balance. 

On XX/XX/XXXX my account was charged interest of {$74.00} and a monthly installment plan of {$41.00}. I called to find out why I was being charged this when I had a {$0.00} balance. I could potentially understand the installment payment ( though I was told it was included in the balance I paid ). But I didn't understand how a {$41.00} charge would accrue {$74.00} worth of finances charges. The rep couldn't explain either. 

Between XXXX and XX/XX/XXXX I called several times I was never given a clear answer as to why I had a balance. Finally in XXXX, they explained that the balance I was quoted did not include the installment plan and I would still need to pay that amount of {$160.00}. I initially disputed that amount because I felt I shouldn't be penalized for their mistake. 

I eventually called back in to pay the {$160.00} and get rid of this headache. I was told I would have to pay the new balance of {$210.00} because there was delayed interest that wasn't applied when I paid the balance in full. Again I told them I got my pay off number from them and do not want to pay any additional fees. Due to their mistakes, poor communication and poor customer service, I am asking a third party to review this case.
Product: Money transfer, virtual currency, or money service

A scammer got into my email account and had passed as a landlord and credit card settler. They manipulated my family and I to send them money via XXXX. Telling us it would cover the landlords monthly payments and the debt owed to a gas credit card company. Total taken was {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft affidavit, police report, detailed explanation of account, and Equifax rejected my documents. Instead of suppressing information and notifying the companies listed on the dispute, Equifax went through its normal 30-day dispute process and rejected my document.

In one breath, Equifax states it is unable to locate my file on XXXX. How is that when I have a 53-page fax  confirmation dated XX/XX/2020, in which my Driver 's License, social security card, and utility bill was included. In the next breath, Equifax conf # XXXX rejected my affidavit stated it would not suppressed the identified information, but run its normal 30-day dispute process. 

After speaking with a XXXX supervisor, she informed me that I hadn't completely filled out my 1st and 2nd request. I contacted CFPB via chat to try to gain access to my original file and because I didn't create a login from the temporary password my original affidavit was gone. 

Because of that conversation with the XXXX  supervisor, I decided to update created an updated identity theft report and resend it to all bureaus. I have requested from original creditors and credit bureaus detailed statements, invoices, receipts, and payments so I may determine which activity was actually mine and which was not mine. Equifax has not taken into consideration any documentation that I have provided to them. They are only going by E-OSCAR codes received from the creditors. Even in its own reinvestigation process, Equifax is not doing anything independently. They are simply taking the creditor 's E-OSCAR codes as gospel. 

It appears that Equifax has no consideration for FCRA and has violated it on several occasions. This company continues to prolong my investigations into fraudulent activity by stating it can not locate my file, but again deny to suppress the same file.
Product: Checking or savings account

I opened a CD account with Mature date on XX/XX/XXXX, prior to this date I was prompt to request renewal or closing, I chose closing in their web app and specified that I wanted the funds tranferred on mature date to my debit account to an external bank. 

The account wasn't closed by itself and on XX/XX/XXXX I called to get my funds transferred to which they said there was a hold on my account due to a waiver for early withdrawal. I explicitely selected the no renewal option on the web app. 

It has been multiple calls and over a week of no resolution, each time I call they make me wait for about XXXX hour saying they are " verifying '' the status of the account and " escalating '' but nothing really changes. 

In addition, they claim they have reached out to my phone and left a voicemail but that didn't happen, after reviwing my phone logs there's no reference to such voicemail nor missed call. 

XXXX is holding costumers money as long as they can without any valid reason to do so, and this is creating hardship for me and my family as it is critical that I get my funds on mature date.
Product: Debt collection

Over ten years ago I had a mobile phone with XXXX which I had paid in full and in XXXX they were acquired by another mobile company. In the past several years I made sure my credit reports are clean of any derogatory accounts and last week I noticed that I have a discharge/collection from JEFFERSON CAPITAL SYSTEMS which is over 10 yeas old and it shouldn't be on any of my credit reports. Jefferson 's phone number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX, XXXX XXXX MN XXXX Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX signature card under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX XXXX in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

I XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a lot more complications. I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet XXXX won't remove the false information from my report.