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

Student loan servicer Nelnet, and credit bureau XXXX has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with Nelnet since XXXX. Nelnet is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from Nelnet. The loans are reporting late with a {$0.00} balance. 

I have called Nelnet several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact XXXX, because XXXX  is doing the misreporting. 

I have called XXXX, and have disputed the incorrect late payments with XXXX, but they are stating Nelnet is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, XXXX  would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the XXXX XXXX XXXX. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being XXXX. Please help me resolve this issue.
Product: Credit reporting

I contacted Trans Union on XXXX XXXX, 2016 and disputed duplicate entries and wrong balances with a company called " XXXX XXXX '' aka XXXX. They have affected my credit score tremendously because this company changed names and made it as though my husband and I now have XXXX separate accounts totally more than {$45000.00}. We only borrowed {$20000.00} on this predatory loan from XXXX XXXX and this company has changed names 3 times and all of this is showing outstanding on our credit reports after multiple disputes and as CFPB lawsuit company is still using credit reporting to hurt consumers.
Product: Credit card

Around XX/XX/25 I called and canceled my card with First Progress and was told I would get a check within 15 days. Called again XX/XX/XXXX I believe and they said it was in the mailing system and should get to me soon. Then XX/XX/XXXX I called again and it said that they were closed, the last guy I spoke with told me they were open 24 hours so I was very confused. I looked at reviews and saw that almost every comment was saying that these people steal money and never refund the cards upon closing and they all said they were Still waiting months after and never get the money back. So I called the XXXX of XXXX and asked to speak with a supervisor who said they were going to personally escalate this and he wanted me to call back in 3 to 5 days. It is now XX/XX/XXXX and they still aren't answering. {$200.00} is a big amount to not refund someone especially months after the point when they were supposed to. I need my money back from these people.
Product: Checking or savings account

The first week of XX/XX/XXXX 2024, my husband and I checked our checking account at Wells Fargo to ensure we had enough funds in our checking to pay our monthly mortgage and credit card bill. 

Upon logging in, we noticed that {$2800.00} was deducted from a random source in XXXX As we searched the account more, we noticed XXXX other transactions in that exact same amount and XXXX others. The dates are as follows : XX/XX/XXXX24 {$1800.00} XX/XX/XXXX24 {$1800.00} And XX/XX/XXXX24, XX/XX/XXXX24, XXXX/XXXX/24, XX/XX/XXXX/24, XX/XX/XXXX/24 and XX/XX/XXXX/24 {$2800.00} was transferred to the same XXXX XXXX account. 

We notified Wells Fargo immediately. We contacted the police and filed a police report. 

After following up with Wells Fargo on XX/XX/XXXX24 to get an update on our claim, we received an email on XX/XX/XXXX/24 notifying us that our claim was denied and we would not receive our money back. We called and escalated the situation and were not given any explanation. 

Initially and upon receiving news that our claim was rejected we inquired as to how they could not notice these fraudulent deductions?! We asked how we were not ever warned or alerted to these bizarre transactions?! We were given no explanation. We never received an alert. Weve never been to XXXX XXXX in our lives. How could they not protect us and our money? 

Were angry and feel both exposed and frustrated. They provided no report explaining why they denied the claim. We want answers. We want our funds returned.
Product: Checking or savings account

I like to make complaint against Citibank My debit was locked and cant get access To online banking I used my debit card online to make transactions and it was declined about three times then citibank locked my debit card and access to online banking I try to call them to verify my identity to restore my debit card they just ignore me and keeping my account locked.. 
All my money is there from work direct deposit paycheck and everything I can not purchase food and necessities using my debit card because they locked my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this complaint because XXXX and Equifax are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that EQUIFAX AND XXXX have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that XXXX AND EQUIFAX are not doing proper investigations
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to urgently file a formal complaint and request for investigation concerning the mishandling and non-return of my {$670.00} funds by Capital One. The transfer in question was initiated through XXXX from my Capital One banking account to my closed XXXX XXXX  account in XXXX of this year. It is essential to highlight that both the originating and receiving accounts have been under my ownership, and this method of transfer has been a trusted and longstanding practice for several years. 

Despite the rejection of the transaction due to the closure of my XXXX account, the funds were returned to Capital One by XXXX. However, Capital One has failed to credit my bank account or provide any updates regarding the status of the funds. Despite my persistent efforts, including the submission of three formal claims over the course of several months, Capital One has not conducted a thorough investigation or offered a satisfactory resolution. 

I have provided documented evidence from XXXX XXXX  confirming the return of the funds to Capital One back in XXXX. Despite presenting this evidence, Capital One has shown a lack of cooperation and has not taken appropriate action to address the issue. This lack of responsiveness has caused me significant financial distress and uncertainty. 

I urgently request the Consumer Financial Protection Bureau 's intervention to conduct a comprehensive investigation and facilitate the swift return of my funds. It is imperative that Capital One be held accountable for withholding my money without valid justification or explanation. Given the long-established practice of using XXXX for transfers between my Capital One and XXXX accounts , I seek your support in resolving this matter promptly. 

Your immediate attention and assistance in rectifying this urgent issue are greatly appreciated. Thank you for your swift action and advocacy in ensuring the return of the {$670.00} that rightfully belongs to me. 

Sincerely, XXXX XXXX
Product: Credit card

I have found out that Bill Me Later has an account opened under my name. I have not opened an account with this company nor have ever done business with them. 
This account appears on my credit report, which does not belong to nor have I opened it with this company. There is also collection action appearing on my credit report as well as letter that I am receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX  {$1600.00} XXXX XXXX {$670.00} Equifax - XXXX XXXX {$36.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to take out a XXXX dollar loan.
Product: Debt collection

A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Spotloan a few months back and I have paid nearly all of what I took out yet due to interest I owe more. However due to harrassment issues and poor service I was offered a settlement which has several small payments set up unfortunately yesterday I simply called to make sure the right bank account was as being used for payment and the agent I spoke with was acting like I didnt have a settlement or any payments set up and suggested I talk to a third party and or power of attorney which is for someone who died! I sent a complaint via email and havent been responded to or contacted by phone due to this matter
Product: Credit reporting

I just want to know who regulates the credit bureaus? There are too many discrepancies going on all the time. Too many mistakes. I do n't trust them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXXXXXX Balance : {$57000.00} XXXX XXXX Balance : {$62.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}
Product: Mortgage

I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Checking or savings account

Good afternoon. I have exhausted all options in attempting not to file a complaint against CITI Bank ; however, I couldn't get a resolution. I was owed XXXX XXXX in interest and only received XXXX on XXXX. On XX/XX/18, I made a large withdrawal and confirmed with the teller that I would get XXXX days of interest with my withdrawal amount and XXXX with the post amount. It didn't come that way, and I called citi bank customer service, who acknowledged and error and said they would escalate it. A week later called again they said it hadn't been reviewed. I called the XXXX md XXXX, and the manager, XXXX, told me there was an error he would escalate it. Now I call the branch, and no one answers. I need this resolved. I was also charged XXXX dollars for a check for the withdrawal because the bank didn't have enough cash to fill the withdrawal. That doesn't seem to be my problem that I should have had to pay for a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have had issues with Navient providing me accurate information about my loan balance. I was told the payment plan i was in was eligible for loan forgiveness after 15 years of repayment. Due to financial hardship, i changed my payment plan to an affordable plan. Navient failed to disclose that by changing my plan, my years of repayment would start over. 

I reviewed my statement and noticed the new loan servicer did not take into account my payments since 2011. I have been making payments for over 10 years, however my balance continues to increase due to capitalized interest and fees. 

When I graduated my Federal Loan balance was {$45000.00}. My balance has since increased to {$67000.00}. There are fees such as disbursement, interest capitalization, and late fees. Please review statements and payments allocation. Hold Navient accountable!! They have intentionally provided us wrong information for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested from the credit bureaus to remove these inaccurate inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

Cashapp denied real fraudulent charges worth {$400.00} on my card and even thought I provided overwhelming evidence they didn't even investigate and in less than 24 hrs they denied my claim. Cashapp needs to be shut down this happens alot to people where they deny fraudulent claims and do not investigate claims whatsoever. They also restricted my account $ XXXX beacuse of my claims submitted they said they can't give a reason as well which is unbelievable and ridiculous and banned my cashcard and threatened to ban my account for 0 reason.
Product: Credit card or prepaid card

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a late payment removal request to Capital One to remove the one and only late payment from my credit report. I have been on time for the last 4 years and this is taking a toll on my credit report. 

I sent the letter to them on XX/XX/year>.
Product: Debt collection

I received a debt collection letter stating I owe. on the bottom part of the letter is a notice to challenge the debt with validation within 30 days or else they will assume the debt valid. I sent a certified debt validation letter which was signed for, then a month later received the same debt letter with the same notice to challenge the validity, but with a different creditor.   how should I handle this? do I have to keep validating until i actually get the real validation so i can move forward?     the debt is time barred its o ver 10yrs attached are two jpegs of the letters received and my validation letter sent i can supply proof of certified letter with post office if needed
Product: Credit reporting or other personal consumer reports

My credit debts and information was shared without my consent. I also have numerous Charge Off 's on my credit report but has not recieved 1099 's for said charge off. XXXX there are negative instances on my credit report after they were paid off and closed. Also there are inquiries that didn't lead to successfully secured loan.
Product: Debt collection

I am a Federally Protected Consumer. I know I have rights and I'm PROTECTED UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND THE FEDERAL TRADE COMMISION. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract with XXXX XXXX and I never gave my consent to have nonaffiliated third party collections XXXX XXXX to be in possession of my non public personal information. WE HAVE NO TRILATERAL CONTRACT I HAVE NO LEGAL OBLIGATION TO PAY YOU. This is a notice to cease and desist communication and by reporting false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts. XXXX XXXX by you obtaining MY non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. XXXX XXXX ACCTS # XXXX. These false credit information collection accounts were deleted off my credit report before and just came back on my credit report XX/XX/2022 as I was in the middle of extending credit trying to obtain a new credit card and was I denied due to these ALLEDGED collections on my credit report. The FTC calls these practices DEBT PARKING and takes this very, very seriously. Therefore I have strong reason to believe that XXXX XXXX is conspiring to collect on extension through unlawful extortionate means. By putting these alleged medical collection debts on my credit report XXXX XXXX is damaging my credit worthiness, and ruining my name. and stopping me from MY RIGHT to extend credit and operate in commerce.. DELETE THESE ALLEDGED MEDICAL COLLECTION ACCOUNTS OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED UNDER THE PROTECTION OF THE FDCPA and FTC. The collection of this extension of credit would be a Violation of False Claims Act. Remove these alleged medical accounts from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; On XX/XX/XXXX, I was admitted for XXXX XXXX to XXXX XXXX Hospital,  XXXX XXXX, XXXX, Florida, by XXXX XXXX XXXX, ( XXXX. XXXX. ) I was in for one week. The following week I went to XXXX XXXX office for a follow up. I was informed I had caught a XXXX XXXX from XXXX XXXX Hospital. I have tried to find a lawyer to represent me. As you probably know that lawyers dont want to take it unless you make {$250000.00} per year, and I dont. Also recently the XXXX XXXX came back along with complete XXXX in all XXXX on my XXXX XXXX and the XXXX XXXX. 
On XX/XX/XXXX I noticed were a bill from XXXX XXXX Hospital c/o XXXX XXXX XXXX, had come in and I sent them a letter ( attached ) informing them I was paying on the bill and requested all the information pertaining to the account. I never received anything. 
I had paid them {$50.00} per month since released from the hospital from my XXXX XXXX XXXX bill pay every month until I have a major decrease in my income in XXXX XXXX and I changed the payment to {$5.00} monthly. 
After sending the letter XXXX XXXX Hospital, they  hired XXXX XXXX XXXX  and reported incorrect amounts on my Equifax Credit report. I filed a dispute and they told me to contact XXXXXXXX XXXX. I did they stated that {$5.00} monthly was not enough. I dont think they should file with the credit bureau if you havent missed a payment and they had accepted payment. I am paying what I can afford I am on XXXX and only make {$1500.00} monthly and have a lot more medical bills Im paying on. I always pay my bills, it might take a while. 
I am requesting this be removed from my Credit Report and find out why the original amount owed and the balance have changed significantly since XXXX XXXX took this over. 
If you would have any information on how I could seek damages against this hospital and its medical staffing would be deeply appreciated.
Product: Credit card

I have four late payments on my XXXX account and was in the processing of changing banks and payments were submitted late.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report i noticed that i have fraudulent accounts on my file. i reached out to fix problem but i have not been help in any way from the crb