23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In coordination with the below mentioned Student Loan Advocate and with the current pandemic I am submitting an additional complaint. This was the e-mail correspondence I initiated once my student loan came out of default. 



XXXX XXXX, XXXX XXXX XXXX XXXX Student Loan Ombudsman Office of Nevada State Treasurer XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Hello and Congratulations on your recent appointment as a Student Loan Advocate. I spoke to you at the beginning of the year about my loan being sent habilitation due to unpaid monthly payment for the past 3 years. XXXX, XXXX,XXXX was approved or IBR payments while XXXX I was in Collections/Rehabilitation for 10 months. 

I was diagnosed with XXXX  in XX/XX/XXXX due to complications with my XXXX XXXX therefore was hospitalized for 10 months. I started the IBR program before I got sick since we were a one income family. I have documentation of all my transactions, payments, history, approvals. Please review attached information in 4 separate e-mails. 

I believe that I was unfairly sent to rehabilitation and now doubling my total amount owed. Can you please review my case for possible refinance back to its original amount while clearing my credit record. Thank You. XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX Account Name : XXXX XXXX XXXX DATE OPENED XXXX Account Name : XXXX XXXX XXXX DATE OPENED XXXX  Account Name : XXXX XXXX XXXX XXXX DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Debt collection

Received a letter from AmeriNat on XX/XX/XXXX stating there is an outstanding loan on the home from XXXX  of XXXX from XXXX on property XXXX XXXX XXXX, XXXX, MD XXXX. I have never received any communication until the date above. AmeriNat is threatening to collect ( what they called a debt ) by XX/XX/XXXX if no action is taken to pay the loan it can be taken. My mom who is deceased as of XX/XX/XXXX was informed at the time in XXXX that the loan will be paid in full if she lived in the home for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- Conn 's / Acct # XXXX 2- XXXX  / Acct # XXXX 3- XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX
Product: Checking or savings account

I've been having my direct deposit from work deposited into a bank checking account the bank name is CURRENT CHECKING for the last 3 months with no problems up until XX/XX/2021 when I tried to reach them several time 's by phone and email trying to inform them that needed to update my new mobile phone number for my account banking account because I couldn't access it in app or online do to there security recovery verification essentially sending a text message to my device with a code to authorize me as the account holder so essentially I can not get into my account with new number XXXX called the toll free customer service number on back of card and to find out you can not reach out to a live surrport agent the whole system is automated with different account options mind you there are 5 different automated categories ultimately all redirecting you to the mobile app online for surrport with absolutely no options to be connected to a live person so I go online to the mobile app current and we'll obviously I can't sing in due to technical difficulties so I stroll down page to find contact and support I click it sends me to email surrport so I fill out the report for what I needed help with along with all of my credentials then email couple minutes later get email from surrport current banking in mind you all automated emails referring back to same questions and about how to recover account back to back I've gotten 2 of same emails from there surrport team both of referring back to the recovery process like they weren't processing my account information I was informing them of in emails at not one point in either emails did they acknowledge my presence and ultimately I can not get a hold of a live agent outside of the app unless I'm signed into my account and I can't touch any of my money move it around or even cancel my card to have new one sent out I have emails I've provided as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
Product: Debt collection

I was enrolled in XXXX  XXXX XXXX XXXX ( XXXX ) of XXXX XXXX when the institute suddenly closed there doors in XXXX leaving students stranded. All amounts owed by students enrolled were to be forgiven. In XXXX Deville Asset Management popped up on my credit report claiming debt collection for XXXX. I disputed the claim and it was removed from both my XXXX an XXXX reports. I have recently had my credit ran ( XXXX ) and I was surprised to see that Deville Asset was back on my XXXX report. I filed a second dispute and tried to reach out to Deville Asset Management without success ( XX/XX/XXXX ). I have never received a phone call or mail correspondence from this company. After months of waiting on a " pending '' dispute filed with XXXX I decided to call ( XX/XX/XXXX ). At that point XXXX told me that the the creditor had verified that the balance was being reported correctly, yet the dispute still shows as " pending ''. I have never opened an account with Deville Asset. I have no way of contacting XXXX because as stated above they closed in XXXX. Also, as stated above, I have attempted to reach Deville Asset with no avail.
Product: Checking or savings account

On XX/XX/XXXX I visited a wells fargo atm to deposit cash. As i was a depositing cash a stranger approached me asking him to deposit {$40.00} cash and send it to him on XXXX XXXX. As I bring up the deposit section he quickly puts two {$400.00} money orders in my account and demands me to withdraw them. Only one was instantly avaliable so only {$400.00} was able to be withdrawn. Immediately after, I reported this incident to wells fargo. They got me in contact with local pd who said this classifies as a robbery and I need to return to the scene. After speaking with wells fargo support for an hour they promised me the case would be resolved. A week later I get a notice that my claim was denied despite speaking to a wells fargo fraud investigator who has access to the atm cameras and cleared me of all wrongdoing. I also submitted a police report per Wells Fargos request. With the police saying that I was robbed, following procedure in submitting every piece of info requested, and a wells fargo fraud specialists admitting Ive done no wrong, it makes no reason as to why my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion multiple times about a credit card, XXXX XXXX, that appears on my credit report as an account. 

I have NEVER had an account, or authorized a hard pull, on this company yet it's shown on my credit report, as of XX/XX/2023. 

Attached is a letter from XXXX XXXX, dated XX/XX/2023, telling me they have instructed the credit bureaus to remove the hard pull. 

Apparently, Transunion did that yet XXXX XXXX appears as an account.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : My name is XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to all 3 credit bureaus ( Transunion, XXXX and XXXX ) via Certified Mail. All 3 letters requested that certain names and addresses be removed. 

I got responses from XXXX and XXXX almost immediately after receiving my letter. XXXX took care of it without contacting me and XXXX asked me to call about an item and then took care of it online. 

Someone from TransUnion signed for the Certified Letter on XX/XX/XXXX ( see attached ). It is now over 45 days later and I have heard nothing from Transunion. I went to their dispute center today and it showed no pending dispute from me. I checked my credit report from TU this morning and there have been no changes at all. I sent my request by certified mail to have a paper trail to show when they would have to begin taking care of my request. 

I would appreciate your help on resolving this issue. 

Thank you! 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section XXXX  Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XXXX XX/XX/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 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: Checking or savings account

On XX/XX/year> a check for {$15000.00} was deposited by XXXX XXXX ( located in XXXX NC ) through a third-party, XXXX. The check was approved and paid by Wells Fargo on XX/XX/year>. On XX/XX/year>, the exact same check was again submitted to Wells Fargo for payment. Wells Fargo approved and paid the check and a new {$15000.00} debit was charged to my account on XX/XX/year>. I contacted Wells Fargo and XXXX XXXX on the morning of XX/XX/year> to report the error. Since XX/XX/year>, I have made numerous calls to Wells Fargo to expedite the refund of my money with no satisfaction. Promises were made to refund the money, promises were made to expedite the claim on their end, although no action has occurred. On XX/XX/year>, XXXX ( the third party processor for XXXX XXXX ) confirmed they electronically transmitted the {$15000.00} replacement funds to correct the error of my check being submitted twice and paid twice by Wells Fargo XXXX After receiving this information, I again contacted Wells Fargo today to confirm the receipt of the XXXX refund and again requested an expeditious refund of my money. I was told no refund could be made at this time. I requested a name and phone number for a division executive, vice-president, anyone who would help with this matter and I was told there is no one with a direct line for consumers to contact for assistance. I have spoken with individuals at Wells Fargo from customer service, then the claims assistance center, and finally with a resolution XXXXpecialist within claims. The resolution specialist is the person who refused to provide contact information for anyone above his level.
Product: Credit card

XX/XX/XXXX both of my credit card accounts were closed. I made payments promptly and never had a late payment for the entirety of card ownership. Fast forward to the next year and I recieved preapproval letters from Capital One for another card so I applied and was instantly approved. A couple days later on XX/XX/XXXX Capital One again closed my account and restricted all access. From all of my cards, I never recieved my rewards balance despite having earned them through made purchases. I exhausted all channels of customer service to reopen my account unsuccessfully. I did not violate any terms of my agreement and Capital One refused to acklowledge that nor give me a reason as to why my accounts were closed. I was in absolutely great standing with Capital One until the week after XXXX when my cards were locked and later my account closed. They refuse to provide the exact code or line of the agreement that was violated because there was no justification in closing my accounts much less offering me another card, blacklisting me and closing that too. It was completely unethical.
Product: Money transfer, virtual currency, or money service

Transaction date : XX/XX/2024 Amount : {$50000.00} I initiated an external fund transfer using the XXXX XXXX  portal. Fund transfer was from XXXX savings account to XXXX savings account. The fund was deducted from the XXXX account on XXXX XX/XX/2024 but never credited to the XXXX account. I have called and messaged XXXX multiple times but have not received a proper answer. Initially, they asked for a document for verification, which I sent over email. Later, they told me that since the transaction had been pending for more than 10 days, they couldn't accept it. XXXX says they sent a Letter of Intent ( LOI ) to XXXX to accept the fund bank. I spoke to XXXX regarding LOI, and they seemed confused and told me they are unaware of LOI. XXXX also said that they can't do anything since the fund is with XXXX. However, XXXX filed a dispute for this transaction.
Product: Debt collection

Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN THREW TAX THIEF & XXXX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES
Product: Debt collection

I called requested validation of debt letter, providing car sale and transaction information. Company refused to provide information that's being asked. Reporting false information and failure to provide debt disclosed and reason for amount.
Product: Checking or savings account

Im in Navy Federals Oops program, but theyre overdrafting me twice, sometimes XXXX  times in less than a week!
Product: Credit reporting or other personal consumer reports

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.