23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently had my student loan transferred to Nelnet in the wake of student loan payments resuming post-XXXX  and the discontinuation of Great Lakes servicing student loans. To be frank, Nelnet has acted with, in my opinion, gross incompetence, unprofessionalism, and malfeasance. 

About a month ago, in XXXX, my loan repayments were not scheduled to resume until XXXX, XXXX according to Nelnet. I am a graduate student whose loans should be in deferment. While the XXXX, XXXX date seemed arbitrary, as I am not likely to graduate until XXXX, it was far enough out that I resolved to take care of the problem during winter break, when I had more free time to deal with it. 

However, about XXXX weeks ago, at the start of XXXX, my loans suddenly resumed and interest began accruing. {$130.00}, to be exact. My deferment status had been submitted to Nelnet via XXXX XXXX XXXX through my institution, a fact Nelnet has dutifully ignored. Moreover, my previous loan servicer, Great Lakes, was aware of my deferment status, and for a time Nelnet must have been to, as the change in deferment occurred only two weeks ago, as previously mentioned. 

This initially did not seem like a big deal, as I assumed I could just file the deferment request directly to Nelnet and then contact customer service to remove the accrued interest. Logistical errors are inevitable, and so long as I can contact customer service to resolve the issue it is ultimately not that big of a deal. The issue is that Nelnet customer service is virtually impossible to contact, and has been for the past two weeks. I have had emails ignored, and phone hold times of upwards of four hours with no response. Furthermore, I can not even send my deferment request directly to Nelnet, as my University has a policy of verifying al enrollment exclusively through XXXX XXXX XXXX. 

I am a graduate student with very little time and money, and this situation has put me in duress with regards to both. I can not afford to lose days worth of work to deal with my loan providers incompetence. I understand that loan payments resuming has increased the volume of calls and emails Nelnet has received, but they have had months and months to prepare for this eventuality. They have failed to take the well-being of their clients into consideration ; knowingly causing them financial strain to which, as of writing, I have still found no remedy. It is clear that nelnet, despite being a multi-billion dollar company, has neglected to hire an adequate work force for an influx of customer support requests that they have been aware would come for months.
Product: Credit reporting

ssue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22 I sent XXXX a copy of the company creditors Bureau associates, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!
Product: Debt collection

XX/XX/XXXX was a service we had back in XX/XX/XXXX- XX/XX/XXXX. We moved from XXXX county to XXXX XXXX and when we moved their services did not cover our new area so we stopped services at no charge. When we moved we took the cable with us however we kept having problems with service and connection and their prices we called in and because of our issues the rep agreed to have our cable cancelled and we would not be charged anything because we were not happy with services. He just told us to make sure we turned in all equipment so we do not get charged for it. We sent it all in and called to verify they received it and they told us we had no balance and we went our own ways. Now XX/XX/XXXX we live in Texas and I received an alert on my credit for a collection account for XXXX $ we have never received anything in the mail in the last 3 years. I called the collections and they told me that I will be paying it very rudely. I am so upset because they have damaged my credit when we are trying to qualify for a house and we never received any calls emails or letters regarding the debt that we do not even owe. We were assured as long as we returned the equipment we would not owe anything and now we are being told different. That is not fair and very unwthixal and we we're hoping to establish a new service with XX/XX/XXXX when we bought our home but after this I am definitely disappointed and want this issue fixed.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Fraudulent Information on XXXX Report Dear XXXX XXXX Relations, I am writing to dispute inaccurate and fraudulent information that is listed on my XXXX report. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, I am entitled to dispute any information on my report that I believe to be inaccurate or incomplete. The items I am disputing are as follows : - **Bank of AmericaXXXX XXXX : - **Bank Name** : Bank of America Upon reviewing XXXX XXXX report XXXX I found XXXX the above-referenced accounts are not accurate. Specifically : XXXX. [ Explain the nature of the inaccuracy or fraudulent activity, such as unauthorized account openings, incorrect balances, etc. ] XXXX. [ Include any additional fraudulent account details if necessary. ] In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate and fraudulent information on my XXXX report. Please complete this investigation within the required XXXX period and provide me with the results of your investigation. Additionally, I request that you notify the banks involved of my dispute and ensure that they cease reporting this inaccurate and fraudulent information. Under the FCRA, it is required that all information reported to XXXX is accurate and verifiable. For your reference, my personal information is as follows XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

CCS Collections I am writing to dispute the accuracy of information provided to you by CCS Collections regarding my account with the original creditor, XXXX XXXX XXXX XXXX. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which mandates the correction or deletion of any information found to be inaccurate or incomplete.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX EQUIFAX MORTGAGE 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXV XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 unresolved. The Consumer Financial Protection Bureau ( CFFB ) 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 dispute 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 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Scam email to collect a false debt. I have never used speedy cash, dont even know what that is if its a game site or loan site.
Product: Debt collection

This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks
Product: Debt collection

Credit Collection Agency, Columbia Debt Recovery, reported a debt of {$260.00}. The original creditor is XXXX XXXX XXXX. The date reported was XX/XX/2023. I never resided at XXXX XXXX XXXX. Called XXXX XXXX XXXX and provided personal information. XXXX XXXX XXXX informed me they do not have any previous account that matches my information. Contacted Columbia Debt Recovery and was guided to file a police report for fraud.
Product: Credit card or prepaid card

About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.
Product: Checking or savings account

On Wednesday XX/XX/19 Bank of America randomly closed my acct and it said was due to " counterfeit '' I am a XXXX which my acct shows transactions made from XXXX. A customer wrote me a check for an order and it came back as counterfeit. I was never told I didn't even know what had come of the check I just knew it wasn't approved. 1 month later they closed my acct with no prior knowledge and are now holding my funds until the internal dept approves my withdrawal. I need my money for bills and detrimental medications. They are also very rude!
Product: Credit card

Promotional deferred interest ended on XX/XX/year> I believed deferred interest meant the interest would begin monthly after the promotion ended Additionally, the interest was exceptionally high for a person with good credit standing 29.9 % interest was misleading and never explained Received a bill with an interest rate accrued at {$6600.00} Contacted the company XXXX on XX/XX/XXXX to see about paying the original amount of {$14000.00} The company representative told me the I should not need to speak with a supervisor as the statement was correct and a supervisor would tell me the same thing she was stating. 
The call was dropped or hung up me I called back and was able to speak with a supervisor the supervisor only gave me a address to contact... I had to ask for a case number Never received full credit card terms of interest and did not understand the full repercussions of the terms This is predatory leading and should be illegal
Product: Payday loan, title loan, or personal loan

I received a loan from republic finance. I defaulted on the loan because I I fell into financial hardship. I was sued in XXXX and a judgement was rendered to me by XXXX XXXX.This judgement is over ten years old. They have charged me over 10 times the the loan and interest is recurring on interest. As a single mother it is no way I can come up with over four thousand dollars. I will be paying this loan for the rest of my life. I recurred {$2500.00} in interest Thur XX/XX/XXXX which is more than my principal balance XXXX and XXXX in attorneys fees and the more I pay the more my balance goes up. I am near XXXX  working 80 hours a wee to keep a roof over my kids head Im almost left no choice but to file bankruptcy
Product: Mortgage

I have 2 issues with XXXX loan company ( myloancare ). 
# 1 The mortgage loan was transferred from XXXX XXXX XXXX in XXXX ( i think ). When XXXX acquired or purchased the mortgage, they made a mistake on the house number which is XXXX, and they have it as XXXX, which is incorrect! I have been trying since XX/XX/2020 to have this corrected. I sent them an email after reaching someone on the phone there named XXXX who told me how to email and send documentation of the correct house number. So I sent a copy of a tax bill with an email explanation to the email address she gave me. NOTHING has happened! I have also gone through their website after creating an account and asked for action on this problem last week and this week, but I get no call-backs. Only a recorded phone call asking me to call, and then a message about COVID-19 and problems with making mortgage payments and how to apply for help.

# 2 A property management company is paying the mortgage as  they are handling the rental since I am in CT and my house ( which I want to move into in a month ) is in CA. I am also trying to get XXXX loan company to contact XXXX XXXX because they mailed the last mortgage payment with the ticket on XX/XX/2020 and it has not been received. I have given permission for XXXX to communicate with XXXX through XXXX on my account. XXXX can not issue a new check without talking to each other, and XXXX is not responding. Needless to say I am very frustrated with both issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, Equifax, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Product: Credit card

I was checking my credit report & noticed someone got an Amazon XXXX  Visa card with a {$10000.00} credit limit in my name. I have never received this card. It was opened in XXXX XXXX XXXX
Product: Vehicle loan or lease

Purchased a used vehicle from XXXX XXXX XXXX. During the purchasing process they coerced me into purchasing multiple warranties stating that they were mandatory. 3 months later I decided to sell the vehicle back to the same dealership. During the negotiation process I specifically requested prorated refunds for ALL of my warranties and they agreed to that. After I completed the paperwork and made the final payments, they told me that they were not going to pay me 2 of the 3 warranties ( ~ {$2000.00} ). They stated that the warranties were mandatory, one time payments and non transferable. After combing through the fine print I can confirm that they were not mandatory and they are transferable. I have tried to resolve the issue multiple times. Its been a month and I have yet to received any of the XXXX warranties. Since I walked out the door a month ago, I havent been able to get in contact with anybody from the dealership.
Product: Money transfer, virtual currency, or money service

I have received the same amount of payment for editing services from the same sender for several months. The first payment in XXXX was held for 21 days to make sure it wasn't a problem even though the sender approved it. Three payments have come in since then without a problem.

Another payment came in this morning from the same person for the same amount. Now, Paypal is holding the payment, saying that it is an " unusual transaction '' when it is the same amount and same sender that has been sent in the past, multiple times, without incident.

This is a blatantly false representation about the regularity of the payments and the sender. Moreover, Paypal won't allow the sender to approve the payment and confirm that she has received the services. It isn't even a possibility until 48 hours past the time she sent the money and then I must wait several days after that. 

If the transaction was truly unusual, I can see some justification for holding it, but it is so regular that they should almost come to expect these payments from this person. 

I tried to speak with a supervisor on the phone but nothing. I wrote an email to the General Counsel and received no response. All I want is the money I earned rightfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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

The XXXX  case law regarding XXXX XXXX  reporting on credit. 

the Office of the Comptroller of the Currency ( OCC ) and other regulatory agencies issued guidance stating that XXXX XXXX  obligations are not debts owed to a creditor and, therefore, should not be reported to credit bureaus. 

There is no credit contract and its affecting my work and home life making me seem to be a dead beat and my credit reports were breech as we all know exposing my family personal information. I challenge this off my credit report and come back multiple times as verified which leads to me thinking that these credit companys do not respond with correct information nor provide results to challenge upon completion and I'm speaking about all XXXX Credit bureaus!