23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable!  Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

m 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 XXXX acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}
Product: Debt collection

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed incorrect information in writing related to my credit file ( see attached letters to Equifax ). The dispute was very specific stating the credit file #, date and page number of each account in dispute. On XX/XX/XXXX Equifax sent me a response stating the items I disputed were not reporting on my credit file, despite the proof I sent in with my initial dispute. I received this response on XX/XX/XXXX and pulled another comprehensive credit report from Equifax ( also attached to this email ). This new credit report clearly showed each of the disputed accounts still being reported in my Equifax credit file. This is a factual claim as is supported by the attached evidence. I'm not sure how Equifax can claim the creditors are not reporting on my file when clearly they are, as proven by credit reports before and after their response. 

The accounts are as follows : Creditor Name : XXXX XXXX Page on Credit Report : XXXX Reason : XXXX. Account PAID IN FULL BALANCE INCORRECT CLOSED. See attached evidence. 


Creditor Name : XXXX XXXX  XXXX Page on Credit Report : XXXX Reason : XXXX. The account balance is incorrect. 


XXXX XXXX : XXXX XXXX on Credit Report : XXXX Reason : XXXX. This account is not mine and I am not financially liable for the account nor was I ever. This should not be on my credit record. I am not an authorized user on this account which means the information is incorrect. I have made requests previously to remove it and you site that I am/was an authorized user but this does not accurately reflect my credit worthiness or liability because I am not legally liable for the account. Finally, if you continue to insist that this file belongs on my credit history, the Historical Account Information is incorrect and incomplete which does not accurately reflect the extent of the credit history which negatively affects my report scoring. 


Creditor Name : XXXX XXXX XXXX # XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED Creditor Name : XXXX XXXX, XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED
Product: Mortgage

I was never given the chance to inherit the land that my husband worked hard to obtain. He died XXXX. 
I visited the XXXX XXXX XXXX XXXX VA several months begging them and trying to explain to branch manager that XXXX XXXX XXXX XXXX had given me a affadivit to have notraied that stataed I didnt need to be the executor of the estate to be added. The employee kept telling me to go become exeutive of the estate. I said it was not necessary I even shared the email from XXXX XXXX in VA, I was pushed away every single attempt. I was Finally added to the Truist account on XX/XX/XXXX Two weeks ago without becoming the excecutor of the Estate.. Each time I dial this number the lady that answers she doesnt know anything about financing land at Truist XXXX 
I was never given a fair chance to refinance no Hud help or anything with the federal law that makes it easier to take ownership of inherit property. I was never given a chance. My son XXXX XXXX made a payment XXXX XXXX for XXXX. I went to bank in XX/XX/XXXX to make another XXXX payment, The teller told me I could no longer make payments. The payment had ballon it was due in full. She even made a couple of telephone calls to see why I couldn't pay the payment.
Product: Credit card

In XXXX I had filed several disputes against my supplier in XXXX for selling me fake products. I won the dispute and US bank gave me back my roughly {$2000.00} on my US Bank XXXX XXXX Credit Card. Shortly after, I received a letter stating my account was closed due to suspicious or fraudulent activity. I requested more information and the manager said it is because I had filed disputes. 

Filing disputes is a service offered by US Bank, which after I used and won ( because I provided all the proof and documents ) I was punished by US bank and had my account closed and my roughly {$700.00} of credit that I accumulated is gone. However the account has a balance of {$680.00} which keeps increasing because of late fees and interest. 

I tried to pay with the credit points I accumulated rightfully, however the bank refused and kept my account closed which affected my lively hood.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The following information on my credit report is a result of that XXXX  : XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXXXXXX XXXX {$690.00} XXXXXXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX  {$3400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX I request that this information be blocked from my credit report within four business days, as outlined in section 605C of the Fair Credit Reporting Act. 

Please notify me of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am demanding removal of this collection from Caine & weiner. My debt is not with them. I do not owe them the {$510.00} that is reflected on my credit report and it is deeply impacting my credit score. Caine & weiner claims that the debit is from XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that I have 2 derogatory accounts and a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus back in XXXX and they did nothing to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 XXXXXXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to follow up for an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score. I have thoroughly reviewed my records and can confirm that I made the payment in the month of XX/XX/2023. My late payment was just the month of XX/XX/2023. Attached are the documents that will prove that you are reporting inaccurate information. It is important to rectify this error promptly to ensure the accuracy of my credit report and to comply with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Portfolio Recovery Associates account XXXX but did not receive any response. 

Please investigate and delete as I have no knowledge of this false account.
Product: Credit reporting 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 605b 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I am a victim of the RushCard upgrade fiasco. My pay showed up finally on XX/XX/XXXX. I was not able to use my card, but the bill pay system appeared to work. Bill pay has always been quick in the past, so I used my entire balance to pay some credit cards and utility bills. 5 days later, those payments are still in " scheduled '' status, even though the money was withdrawn. Calls and emails to RushCard about this issue have not been returned. If they are n't going to issue the bill payments, then refund my {$1300.00} and let me withdraw that so I can close my account and go elsewhere. This is infuritating!! I 've been a customer for 7 years.
Product: Mortgage

I am putting in for a HARP loan to CitiMortgage. The reason I need this is because I lost my job and will be unable to make my current mortgage payments. I was sent the paperwork for making homes affordable. I faxed over the application and the requested documents at least four times and my contact from CitiMortgage XXXX XXXX keeps on claiming they never received any of these faxes!!
Product: Checking or savings account

Dear Sir or Madam, I am writing to you today to express my concern about my Citibank account, which was closed on XX/XX/XXXX due to suspected fraud. In the email I received from Citibank, they stated that I would be issued a check for the funds in my account within 60 days. However, it has now been more than 90 days and I have not yet received my money. 

I have visited the Citibank branch at XXXX XXXX XXXX, XXXX, MD three times to inquire about the status of my check, but I have been unable to get any information. The employees at the branch have either been unable to provide me with any information or have told me to wait. 

I am extremely concerned about the fact that my money has been held by Citibank for more than 90 days. I have exhausted all of the mechanisms available to me to obtain my money, and I am now turning to you for help. 

I am a father of XXXX young children, and I desperately need my money to function. 

I am writing to you in the hope that you can help me to resolve this matter. I would be grateful if you could contact Citibank and inquire about the status of my check. I would also be grateful if you could provide me with any information that you may have about why my account was closed and why I have not yet received my money. 

Thank you for your time and attention to this matter. 

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

I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.
Product: Credit card

Company is XXXX XXXX, serviced by Commenity I purchased merchandize on 18 months same as cash promotion. As balance has been paid down, the minimum payment has been $ XXXX On the most recent payment, the minimum payment went up to $ XXXX without any explanation. I called company, but got no explanation that made sense. They said there was a change in terms that caused an increase in interest rate. I'm not sure how that wold affect minimum payment due. I have no record of a Change in Terms and a change in terms would only affect new purchases, not current balance. I have not made any new purchases. 

pls help get this corrected.. 

XXXX XXXX
Product: Vehicle loan or lease

Hyundai XXXX company is still charging late fees, telling customers if they send an extra payment by mistake, that they can't return it and not telling customers up front about other options if they need to miss a payment. And also, if you have divorce paperwork giving you car in settlement they refused to change information on loan and tile, making it very difficult just to do the right things.
Product: Payday loan, title loan, personal loan, or advance loan

Being charged 408 % interest. Negative amortization on loan. {$2500.00} loan paying over {$8000.00} in total with {$450.00} twice monthly payments. Ive already paid over {$2000.00} but currently owe more than the amount borrowed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing loan under my name for fifth third bank which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXXthru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2013 until the present date the company LexisNexis has been reporting information about me to XXXX, XXXX, XXXX, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized LexisNexis to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted LexisNexis with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent Lexis Lexis a letter opting out the sharing of my personal information because I am a XXXX XXXX   XXXX and this information might place me in danger.
Product: Credit card

Citibank is advertising its XXXX XXXX co-branded credit card in the website during booking a ticket but unlike other credit cards, you do not get an online card number which can be used to book the same ticket. In essence, the advertisement is misleading because it lead me to believe that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on my credit report