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

I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017
Product: Checking or savings account

When I XXXX open a Wellsfargo checking account back in 2010 or so. Almost every month for quite sometimes my checking account were getting overdraft fees almost most of all the time and because of that I found myself struggling financially. Recently I've apply for a Wellsfargo visa credit card and when making payments I've noticed my balance it gets higher instead lower balance and it's kind if confusing to read the statements, cause it really doesn't show you the previous balances to confirm if your current payment has lower the current balance. They Also charge to many overseas fees, is one issue I don't understand. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Product: Student loan

There are XXXX issues I have encountered with Nelnet. XXXX is that when trying to make an online payment through their portal/website I encountered an issue wherein it would not process the payment for that day and was threatening a late charge despite me making my payment timeline. I promptly emailed their customer service through their " contact us '' feature on the website ( this email was sent on XX/XX/2024 at XXXX XXXX  PST ). Because I did not hear back and their phone agents were not reachable I paid via their telephonic bill pay system ( confirmation # XXXX ). Despite making this payment before XXXX XXXX  PST on XX/XX/2024 my payment was not processed until XX/XX/2024 making it late. Customer service has since informed me that they have payment cut off times based on EST hours but that is not listed anywhere in the several pages of statement provided. 

The bigger issue I have is with their intentionally misleading information provided in the email below. Noting that their system had an error and was not calculating payment dates correctly and that my loans would be put in an administrative forbearance during which time no payments would need to be issued and would not be accruing interest. However, they then only list 1 day as the XXXX percent interest period. When I inquired about this via their telephonic customer service the representative told me that was not accurate information and it was applied for a month long period, but could not provide my any where to see that information. Additionally, the statement issued by Nelnet makes no reference to the forbearance period or XXXX  % interest and lists the interest as the same as previous payment periods. This confusion and misleading information is unfair to borrowers who are being forced to spend time making sense of issues Nelnet is having with servicing loans and makes it impossible for borrowers to plan financial steps and decisions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Nissan Motor Acceptance regarding the inaccurate reporting of a paid-off account on my credit report. I fully paid off my account with Nissan Motor Acceptance, yet they have failed to update my credit report to reflect the correct status.

I have made efforts with customer service to have this issue resolved, but I have had no luck. I am requesting that Nissan Motor Acceptance be required to promptly update the account status on my credit report to accurately reflect that it has been paid in full. I also request that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) to prevent further harm to my credit.
Product: Consumer Loan

I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.
Product: Consumer Loan

I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been the holder of a Golman Sachs saving account for the past 4 years, with two certificate of deposits credited to the account.

Last month I was notified by Gollman Sachs that a XXXX credit card issued in my name, a card that I never requested nor possessed was transferred to XXXX Goldman Sachs, and a statement with a pending balance was sent to my address at XXXX XXXX XXXX. In XXXX South Carolina. 

I immediately contacted GS customer services to notify the occurrence, and was assured that a mistake in the identity of the real owner of the card had occurred, and that is was been taken care of. 

Last week I received another statement, for the same balance plus interest and fees, and I again spent two +hours with GS customer service trying to figure out how to resolve the issue.

It seems that GS customer services is not very effective at handling these issues, and they kept transferring my call numerous times, putting me on hold and repeatedly asking for the same information. 

Again I was assured that the issue was resolved. 

At the end of the call I went to my online account with GS, to discover that the credit card is now included in my savings account with XXXX GS, and that the balance and the related interest rates are being deducted from the balance of my certificates of deposit. 

In addition, the 4 digits of the credit card linked to my account are XXXX, while the 4 digits of the card those statements I am receiving in the mail are XXXX. It appears the balance is the same on both cards. 

I have no idea how Gollman Sachs could have included the ownership of a credit card I never ordered or possessed into my account. It seems their systems have been hacked, and their security ( and mine ) have been compromised. In addition, I have submitted an inquiry to their XXXX email address but I have not received any acknowledgment. 

Given the seriousness of this situation, and the implication to GS reputation and my credit rating, I hope you would investigate it promptly and inform me of the status of your inquiry, since Goldman Sachs has not been able to take action or offer an explanation.
Product: Payday loan, title loan, or personal loan

I applied for a loan for XXXX XXXX XXXX  through XXXX   comenity capital. The loan was for 2 years interest free which was due on the XXXX of every month from the when the loan was approved. For two years, the loan was paid monthly on time on the XXXX until the end and when the loan was paid off completely, i recieved another statement stating i owed accrued interest for the loan since it was not paid by the XXXX XXXX. This is highly egregious and unfair since most of my payments were on time. The biggest issue is that the company should have made the due date on the XXXX instead of the XXXX to avoid the customer pay accrued interest and i feel this is a very deceptive and fraudulent  practice to scam the customer. I spoke to customer care employee #XXXX  who goes by the name XXXX and he stated there is nothing the company can do. I have paid the full amount of interest so that more interest does not accrue but i am beyond furious that this has happend to me and i wish to have this investigated by the appropriate authorities.
Product: Vehicle loan or lease

On XX/XX/2020 my vehicle was totaled. My insurance company has been in direct contact with credit lending services about the total loss payment. My insurance company is paying off the full amount of my vehicle and check was sent XX/XX/2020. Credit lending services continues to call me multiple times a day and harassing me to make a payment when my insurance is paying it off. Credit lending services has also said they can not get paid until I pay double my car payment which is. Credit lending services continues to call knowing the check is on the way to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Student loan

I have contacted Navient many times trying to release and ex husband who refuses to help me with the student loan. I was told they would not help me and that they could do nothing to help me out and release him even though the divorce decree says I am totally liable for the loan. I am a single mom with no support and they will not help me get onto the income sensitive payment. My loans with the educational loan have a payment of {$0.00} based on income sensitive repayment but Navient refuses to help me and I can not afford the {$370.00} they want per month.
Product: Debt collection

I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case #  XXXX-XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on  XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe there may have been a misunderstanding or error in the decision to limit my account, and I would like to request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. I take the use of my PayPal account seriously and have used it responsibly. 

I understand that PayPal takes security and policy compliance seriously, and I respect your commitment to maintaining a safe and secure platform for all users. However, it is crucial to ensure that account limitations are applied accurately and fairly. 

I kindly request that PayPal 's team reviews my case in detail, considering any possible misunderstandings or mistakes that may have led to this limitation. If there is any information or documentation required from my end to assist in this process, please do not hesitate to let me know. 

My primary goal is to resolve this matter amicably and have my account fully restored so that I can continue to use PayPal 's services as I have in the past. I understand that mistakes can happen, and I hope that, upon review, my account will be reinstated. 

Thank you for your attention to this matter. I eagerly await your response and the opportunity to provide any additional information necessary to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had an account with Bank of America. My account number is XXXX. I am currently stationed overseas and had been using the service XXXX  for currency exchange. My account was charged back by XXXX with funds I used from Bank of America. I was told to file disputes for these transactions to get my funds back. I did so, and provided documentation from XXXX stating that these funds would need to be disputed with and returned by my bank XXXX Bank of America. Rather than assist with these transactions, Bank of America never returned the funds totaling over {$10000.00} and closed my account, while also holding all incoming deposits. I used another bank as well, XXXX XXXX, to fund my XXXX account. While running into the same issue, XXXX XXXX  had no problem correcting my account and ending the disputes properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
Product: Debt collection

I have an outstanding debt with XXXX which has assigned Contract Callers , Inc to collect this debt. First, I never received notice of debt owed, I only knew of it when it showed up on my credit report this month. I am trying to get approved for a VA mortgage and the credit counselor said I needed to pay the debt in full and get a deletion. So I contacted CCI to do a pay for delete and they said that their XXXX contract doesn't allow them to do a deletion only updating credit report but for me to call XXXX to have them ok CCI to do the deletion after full pay..I called XXXX collection department and they had no idea what CCI was talking about, they said as long as it is paid in full they could delete it. Called CCI back and they said oh you need to call client services at XXXX which they have no phone number for..basically giving me the run around. All I want to do is pay my debt in full and have them delete it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently filed bankruptcy for the XXXX XXXX i have been getting repeat inquiries from the same banks or lenders without my authorization I have a fraud alert on my report and I have multiple inquries from these banks
Product: Credit reporting

I received a credit change alert on my credit file. I called XXXX and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX XXXX XXXX. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and XXXX XXXX XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently. I want to ensure that XXXX XXXX XXXX is not reporting falsely/inaccurate to Equifax.
Product: Checking or savings account

On XX/XX/XXXX I received notification by mail that my Capital One 360 acct. had been closed due to inactivity. When I contacted the bank by phone the representative said I could only claim my money on-line. To do that I needed a claim form and property id # which I could only get on-line. I was referred to two different websites for unclaimed property. 
On XX/XX/XXXX I went to the XXXX XXXX XXXX and the branch market manager told me she would check out and get back to me. After I called a week later I was told the same thing, go on-line to submit a claim. I was given yet another website to go to request a property id #. Thereafter I " should '' hear back around XX/XX/XXXX. 
I opened this interest bearing savings acct. ( XXXX ) at the advice of my financial advisor, to hold 8 months of emergency living expense. 
My money has been confiscated and Capital One makes it impossible to claim it without a computer and computer skills. I am a XXXX XXXX XXXXXXXX XXXX  who has a son to help me with my computer challenges, without him I would be forced to forfeit my money.