23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for XXXX  Loan  Forgiveness with Nelnet on XX/XX/XXXX and the Chief Administrative Officer completed their section on XX/XX/XXXX. Everything was accurately marked, including my service record ( XXXX at one eligible XXXX  and XXXX at another eligible XXXX  ). 

On XX/XX/XXXX I received letter notifying me that my teacher loan forgiveness application was incomplete and asked that I change the distinction of one of my XXXX   from a XXXX  XXXX  to an XXXX  XXXX, and mark that I am an XXXX XXXX. I work at a XXXX XXXX  and XXXX XXXX XXXX, yet I was instructed to change my XXXX  type and XXXX   service ( from XXXX  to XXXX  ). This correspondence also asked that I correct a small detail regarding my name being written at the top of one of the pages. I made these small corrections and resubmitted the application by mail and online through the Nelnet website. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application was incomplete because I needed to have a separate page 1 for each eligible XXXX. The letter also instructed me to have my Chief Administrative Officer change the name of my specific XXXX  as it appears on the Department of Education list of eligible XXXX. My XXXX wrote the name of the school, which was changed between XXXX and XXXX from an XXXX  school XXXX XXXX XXXX to an XXXX XXXX XXXX  ) as XXXX XXXX XXXX  ). I reached out to the customer service department at Nelnet to find exactly what I needed to submit and the missing information was resubmitted to Nelnet, however the name of my XXXX  was left as XXXX. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application had been denied due to ineligibility and stated that I had a gap in my eligible teaching service from XXXXXX/XX/XXXX 
My experience with Nelnet has been positive until this issue. I feel that as a consumer, errors beyond my scope are affecting me and my finances.
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 USC1681 Account : online information Servi # XXXX original creditor XXXX XXXX This account is on my credit report twice.. The other account being XXXX XXXX XXXX # XXXX ORIGINAL Creditor XXXX XXXX. Both accounts are inaccurate with one balance at {$2700.00}. While the other account reads {$2000.00}. 
XXXX  XXXX # XXXX This is not my account. I have never applied for a XXXX XXXX card. Victim of identity Theft. 
XXXX XXXX # XXXX original Creditor XXXX XXXX XXXX This is not my account. I have never applied for a XXXX XXXX XXXX XXXX. Victim of identity theft. 
XXXX XXXX # XXXX Original Creditor XXXX XXXX XXXX XXXX. I have never applied for a XXXX XXXXXXXX XXXX XXXX Victim of identity Theft. 
XXXX XXXX  # XXXX Original Creditor XXXX XXXX XXXX . I have never applied for a XXXX XXXX XXXX XXXXXXXX. Victim of identity theft. 
XXXX XXXX XXXX XXXX  # XXXX Original Creditor XXXX XXXX XXXXXXXX i have never applied for a XXXX XXXX XXXX XXXX. Victim of identity theft. 
I looked at my experian credit report on XXXX XXXX2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information/ ( A ) In generally, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I currently have accounts with BBVA Compass that are frozen : They are : XXXX CHECKING balance {$1500.00} XXXX SAVINGS balance {$3000.00} XXXX SAVINGS balance {$25.00} XXXX CHECKING balance {$22.00} CLEAR CHECK balance {$4100.00} ( pending dispute resolution ) I have requested that accounts be closed. Please advise why accounts without pending dispute resolution cant be closed, or at very least the approximately {$1700.00} that is not due to provisional credit be made available. Again was placed on hold for more than 2.0 hours this evening. My money has been held for more than 90 days and just in the last 2 days over 6 hours on hold, no resolution. PLEASE HELP, or I will have no choice but to seek legal assistance. 
It is my understanding that
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

trying to collect a debt that XXXX or XXXX not be mine that is past the state of SC 3 year statue of limitations and reporting negative information to XXXX XXXX.
Product: Debt collection

These XXXX debt collectors are destroying my ability to get credit! This is some XXXX. I lost my Job! My wife is leaving me and my children think I'm a failure! I'm XXXX XXXX! I am a federally protected consumer! 

Pursuant to the Fair Debt Collection Practices Act 15 USC 1692g ( a ), I was not notified of this debt nor contacted 5 days prior to it being placed on my credit report. I DO NOT have any knowledge or records of this account nor do I have any contracts with Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.

Notice, congress said ANY CARD. The credit card in question is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 


1. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$11000.00} 2. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$19000.00} 3. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$3200.00} 4. DELETE ACCOUNT Account Name : JPMCB CARD Account Number : XXXX Amount : {$8400.00}
Product: Credit reporting or other personal consumer reports

During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent
Product: Student loan

Hello, I have XXXX student loans with XXXX XXXX, 1 loan was signed on XXXX/XXXX/XXXX and the 2nd on XXXX/XXXX/XXXX, both signed when I was in attendance at University XXXX. Due to financial hardship, I had defaulted on my loans in XXXX resulting in my accounts transferring to a collections agency " Allied Interstate. '' In XXXX, I worked out a repayment plan with Allied Interstate as I regained financial stability ( see attachments for agreement made with Allied Interstate XXXX. 
# 1- Allied Interstate had me sign an agreement to repay my debt and reduce my interest rate to .001 % from 8.25 %, this has not been reflected on my account and I was advised by Allied Interstate that due to a " system glitch '' my balance and interest rate were never updated. I have asked for a letter indicating the issue and indicating the correction, Allied Interstate has not complied. 
# 2- In addition, Allied Interstate and XXXX XXXX are incorrectly reporting on my credit report XXXX see attachments ), I should be showing that I am on a modified repayment plan, and current in my payment per that plan ( I am being reported as " delinquent '' per attached ) # 3- Allied Interstate continues to harass me through daily phone calls ; I have numerous missed calls and voicemails daily. I am making my payments ( they are auto-deducted ) timely and would like for Allied Interstate to stop calling me unless urgent or related to making the corrections to my account. 

FYI, I have noticed on my Allied Interstate correspondence, XXXX XXXX is now " XXXX '' " a spin-off of XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX  directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. XXXX   then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both Transunion and XXXX did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on XXXX as FP and through XXXX on XXXX with a remaining negative status on Transunion. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Credit card

In two near-in-time instances, my US Bank card was charged nearly identical amounts from the same vendor on the same date. These charges were erroneous, as I had only made one purchase from each vendor. In one case, it was a restaurant, yet US Bank would have you believe I bought two dinners for nearly the same amount on the same night from the same restaurant. US Bank refuses to credit either of them. The fact that this has only happened on this card, and with two different vendors in short succession, makes me suspect that it is a problem with US Bank 's system rather than individual merchants. This might merit an investigation by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit freeze on my file and needed to thaw the report to refinance a PLUS loan. While the thaw worked refreezing my report has been an absolute nightmare. 

What could once be done in an online form in 5 minutes took an hour long phone call. I got routed to a call center in XXXX, stuck on the phone for nearly an hour, only to find out that they couldn't freeze the report because they " were working to give me the best possible experience. '' I was directed to download their app for my smartphone, which I've done. 

Here I am, over a month later, and I'm still not able to refreeze my report using their XXXX app, their web site, or calling them. If this is how these clowns are allowed to run something as important as credit reporting no wonder this happens so often. Considering how important credit is to Americans, this is unacceptable!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 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 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXX BA Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Product: Vehicle loan or lease

I have been a valued customer of Hyundai Motor Finance ( XXXX, address : XXXX XXXX XXXX, XXXX XXXX, California XXXX. Phone number : XXXX ) and I am very disappointed how my financial situation has been handled. I had purchased a Hyundai car and though I wanted to pay in full to make the vehicle mine but the dealer requested to get it financed for few months as they have ties with their associated company. I agreed though I had to pay interest for some time. I tried to pay off in subsequent months. Apparently, the my account in XXXX website is never updated about my payments. It still shows that I have pending payments. All it has listed is 5 transactions when I made about 15 transactions. And we thought we still owe money and paid more than what was supposed to pay. I called in XXXX end about it and I was told my payment will arrive in 30 days. I also requested my payments file and they sent. But no money came in 30 days. Then I called again on XX/XX/XXXX, I was told I will hear back in few days, my complaint will be filed and request will be sent to get my refund in 3-4 business days. Still nothing. Then I called on XX/XX/16 and now I hear the request will be sent now for refund. I asked what happened to the request that was sent last time, I got reply that only complaint was filed and no request for refund. I tried to ask the agent if she can connect to the manager of finance company and she said she can't. She gave me a address to file physical complaint via mail if I want. And they will respond to me in 14 days. This is so distressing. Why am I being troubled to get my money for almost 50 days?
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Bank account or service

PayPal permanently limited my account for reason that they can not tell me ( the customer service said this when I contacted they ). At the same time, they forfeited the eBay gift card I bought from supermarket that have already linked with this PayPal account ( I can only use those eBay gift card with the specific PayPal account. However, I can never use this PayPal account any more ). Regardless of the reason PayPal limited my account ( I did n't owe PayPal any money in any means ), how could they have the right to forfeit the eBay gift card I bought by my own money? If it is legal, PayPal could limit any account with the reason they can not tell us and forfeit all gift card that have linked to PayPal account!
Product: Credit reporting or other personal consumer reports

CFPB ) regarding Experian 's improper use of your credit report. Be sure to customize it with your specific details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau 1700 G St NW, Washington DC 20552 Improper Use of My Credit Report by Experian Dear CFPB, I am writing to formally report an issue regarding the improper use of my credit report by Experian, one of the major credit reporting agencies. Experian has my name listed wrong on my credit report, as well as this address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX, that is not linked to any accounts on my credit report. XXXX XXXX is not listed on my Driver 's License or my utility bill, and insurance documents. The correct names that should be listed on my credit report is XXXX XXXX XXXX and XXXX XXXX XXXX. Name is red color is wrong. Names in blue are correct. 

On XX/XX/2024 XXXX XXXX XXXX sent and raised a dispute about how my names are listed and the correct address. Experian has accessed my credit report without my consent for purposes that I believe are not permissible under the Fair Credit Reporting Act ( FCRA ). I have not authorized any entity to access my credit report. 

I request that the CFPB investigate this matter promptly, as it has caused me distress and could potentially impact my credit score adversely. I'm attaching documents that support my case against Experian.

Please inform me of the results of your investigation and any actions that may be taken to rectify this situation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from MARS with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.
Product: Student loan

I have completed the paperwork and submitted to have my loan forgiven on at least 2 occasions. I XXXX from XXXX the semester before the closure, XX/XX/. Everyone in my class and program ( XXXX XXXX XXXX XXXX ) has had their loans forgiven years ago and I'm still waiting. I have been worrying and struggling with an education that got me nothing but loans I did not need because I was starting over after a divorce and choose to go to school to better myself, which did not happen because of all the lies I was told.