23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

numerous dates the past month or so i have received this same following text message from nelnet ; "  Not too late to get help on your Nelnet account. Reply YES to postpone pmts for 12 mos due to hardship but intend to repay. XXXX Reply STOP to OptOut '' the text messages have been sent from following number ; XXXX for approx past year or more i have received numerous incorrect statements via XXXX XXXXl mail, approx two years ago or more i submitted all required and requested documentation concerning my total XXXX XXXX, spoke to nelnet collection department was informed at that time this loan had been forgiven based on federal disability laws, nelnet continually harasses with mail and text messages and with illegal collection practices, this is also a problem that has created issues on my crediit reports, i would appreciate any action you can take to correct and resolve the thrreatenig harrassment and if you can help correct and / or reverse the damage this has caused me concerning my credit reports, its my firm belief that nelnet is in violation of several federal civil rights laws and i feel it is imperative for myself and other consumers that legal action be taken against nelnet to correct their illegal, unprofessional incompetent record keeping, etc, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY
FINANCIAL
Inquiry: Feb. 09, 2023
Finance/Personal
(800) 924-2927

FEB DESTINY
Inquiry: Feb. 07, 2023
Bank
(503) 222-9960
REGIONAL ACCEPTANCE
Inquiry: Jul. 28, 2022
Bank
(919) 766-1388
SYNCB CHEVRON DC
Inquiry: Mar. 17, 2022
Bank +
(866) 448-4367
CAPITAL ONE
Inquiry: Mar. 16, 2022
Bank
(800) 955-7070
+
FIRST PREMIER BANK
Inquiry: Mar. 03, 2022
Bank
(605) 357-3440
ONEMAIN FINANCIAL
Inquiry: Feb. 17, 2022
Finance/Personal
(844) 298-9773

JPMCB - CARD SERVICE
Inquiry: Feb. 15, 2023
National Credit +
Card Cos.
ALLY FINANCIAL
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 200-4622
GLOBAL LENDING SERVI
Inquiry: Jul. 28, 2022
Auto Financing +
(877) 298-1345
HYUNDAI MOTOR FINANC
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 523-4030
WELLS FARGO DEALER S
Inquiry: Jul. 28, 2022
Auto Financing +
SOUTHTOWNE MOTORS
IN
Inquiry: Jul. 28, 2022
CBNA
Inquiry: Mar. 21, 2022
ONEMAIN
Inquiry: Feb. 17, 2022

Today
Credit
Cards
Automobile
Dealers, New
National Credit +
Card Cos.
Personal Loans

Account name
BK OF MISSOURI/TOTAL CARD
Account number
405731XXXXXXXXXX
Account type
NA
Responsibility
Individual
Date opened
09/10/2019
Status
NO STATUS.
Status updated
Jan 2021
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
NA
Credit limit
-
Highest balance
$0
Terms
Product: Student loan

Im currently an airline pilot. Ive always wanted to be an airline pilot since I was a young. Its unfortunate companies will take advantage of our hopes and dreams to only capitalize and line their own pockets, while individuals like myself are stuck in a never ending compound of interest. My loan was originated in 2015 when I started flight school for XXXX. After finding employment with my airline and adding up my monthly salary, My minimum pay was simply too high. So I requested to restructure my loan into the variable rate I have now of 14 %! After 6 years of making my restructured payment I still owe a total of XXXX . This makes it virtually impossible to finish my repayment while making my minimum payments. I believe when we are young, we simply are so ambitious to start a new career and better ourselves and do not focus on the financial fallout that could potentially occur. This I believe Sallie Mae takes advantage of and benefits the most by getting people to sign a trap. which only one side is benefiting and unfortunately its not the individual trying to better their-self and make a better life.
Product: Credit reporting or other personal consumer reports

I have accounts opened in my name while I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my identity was stolen and was used to try to get loans from different banks to purchase vehicles in the State of Ohio. The thieves have all my information and tried to do everything online. I was notified by XXXXXXXX XXXX on XX/XX/year> if I was trying to request {$7500.00} for a car loan in Ohio. The reason they called me was because I live in Illinois and things did not add up and make sense that I would be in Ohio trying to do this so they called me to verify if that was me or not which I told them that it was not me. That is how I found out my identity was stolen. I immediately froze all my credit lines and put a fraud alert on. On Equifax, I disputed XXXX inquires shown below which they did not remove : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX EQUIFAX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX EQUIFAX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT OPPORTUNITY TO CURE NOTICE OF DEFAULT OPPORTUNITY TO CURE To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that the CFPB ( Consumer Financial Protection Bureau ) To give you an opportunity to cure, You claim the account is : verified I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION .Before i move forward. 
. Who did you call? 
What exactly did they say? 
Neighbor visits? 
Interviewed? 
therefore u have willfully infringed my rights. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 15 USC 6801 - Protection of nonpublic personal information. 15 USC 6801 ( a ) Privacy obligation policy
 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I submitted my complaint on XX/XX/2023 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that EQUIFAX use against Consumers like myself.

Your company is in clear violations of the law Pursuant 15 U.S. Code 1681a ( i ) - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states transactions between the consumer ( ME ) & the person ( YOU- EQUIFAX ) FURNISHING THE REPORT IS NOT INCLUDED ON MY CONSUMER REPORT!

You have violated the FCRA by furnishing this transaction or experience on my consumer reports which Congress clearly states IS NOT INCLUDED ON MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

XXXX really not sure what happened. I have XXXX  off XXXX  to the XXXX  bureaus continuously and thus far I have not gotten a response. XXXX  name is XXXX XXXX XXXX and XXXX XXXX filing this complaint for falsely reporting misleading XXXX. There is no XXXX  party involved. Please review the uploaded XXXX.
Product: Payday loan

Got a loan from XXXX Loans for {$800.00}. Over the phone I was told that I would have to pay back {$1000.00} total with {$280.00} installments every XXXX weeks. First payment was XX/XX/2016. When I checked the account online the payment of {$280.00} did not reflect on my account. Now the company is trying to charge a {$6000.00} interest on an {$800.00} loan
Product: Mortgage

I have been working with a HUD approved housing counselor to have Selene review my request for modification. On XXXX/XXXX/XXXX my housing counselor and I were told to send in the XXXX most recent bank statements and proof of income. We advised Selene that Social Security was my only income and they requested a letter stating that Social Security was my only income and I was no longer self-employed. We sent it per their request. 
On XXXX/XXXX/XXXX my counselor verified with XXXX at # XXXX that the paperwork was received and nothing new was needed. On XXXX/XXXX/XXXX my counselor called Selene to check on my request status and spoke with XXXX XXXX she was advised that the request was closed out because we did not send the bank statements per the letter request in XXXX XXXX. The requested bank statements were sent on XXXX/XXXX/XXXX. 
However, the XXXX XXXX was not statement, but a full month transaction history of the bank account because statements were n't available yet, which included my name and account number, the same as on the XXXX XXXX bank statements. We were told by XXXX XXXX that even though we were told all the information was received by Selene on XXXX/XXXX/XXXX that the transaction history was no acceptable. XXXX XXXX stated that Selene did not send out a letter stating the transaction history was not acceptable, but said that they made several unsuccessful attempts by phone only, to reach me. Since they call me for collection reasons all the time and I am working with a counselor I did not answer the calls. I thought they would send a letter if something was missing. The modification request was closed and we were told that we would need to resubmit everything because Selene does n't have competent people answering the phone who could have told us on XXXX/XXXX/XXXX that the transaction history was not acceptable. Had we been told that day we would have sent the statements as soon as I got them from the bank, which was the only reason I did n't have them to send on XXXX/XXXX/XXXX. There should have been more than enough time between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for someone at Selene to make a note stating the transaction history was not acceptable.
Product: Credit card or prepaid card

Multiple gift cards were purchased on our store credit card account at Kohls. The company 's fraud department flagged the purchases as suspicious and suspended the cards. When I spoke with them and confirmed the purchases were legitimate they put me through some sort of verification process to reactivate the cards, but I apparently failed that process. Since the gift cards were not reactivated, I asked their purchases be removed from my account ( credited ). Instead of removing the charges they insist I must go to the store to have the charges removed. Why should I be inconvenienced more than I already have to get a credit back to my account for gift card purchases that were already blocked. I would actually assume that since they blocked the cards the refund to the purchase account would be automatic. Instead they are insisting I return to the store, consuming more of my time and money to resolve this. All they need do is credit the account for the purchase of the now useless and of no value gift cards. When I called them a second time and was escalated to a supervisor, they offered to attempt the verification process again to reactivate the cards, but I have already replaced the gifts and the cards are no longer wanted as gifts. I told them I don't want the card reactivated. I just want the account credited. Simple. They again held that I must go to the store to gain a credit. WHY? This makes no sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Debt Buyer Collection Account with Unverified Information XXXX XXXX XXXX is a debt buyer, and no valid documentation has been provided proving their legal authority to collect this debt. Reporting an unverifiable debt violates 15 U.S.C. 1681s-2.

Incorrect Opening Date and Collection Status The account is listed as opened on " XX/XX/XXXX, '' which is a future date, making this information inherently inaccurate. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Potential Re-Aging of Debt The original creditor was " XXXX XXXXXXXX XXXX, '' and there is no documentation verifying the legitimacy of XXXX XXXX XXXXXXXX XXXX  ability to report this debt. If this is a re-aged account, it violates FCRA rules on debt reporting limitations. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I am attempting to get a corrected statement from Pioneer Recovery collection agency in regards to a judgement of restitution by XXXX XXXXXXXX XXXX XXXX One of the debts included in their total is filed as a debt three times, which I have brought to their attention. Their original letter sent for collection of debt shows a total balance of {$18000.00}. I also wanted to have a details on which debts monies collected were applied to The company has sent " proof '' of the correct amount, which I received in XXXX, and totals {$9300.00}. I subsequently sent a request for a corrected statement showing the correct balance of {$9300.00}. 

Dated XX/XX/2024, I received a new statement, indicating the current balance is {$17000.00}. 

I am attempting to pay this debt off, but can not get any assistance from this company, Pioneer Recovery. I have all correspondence and documentation to support my attempts to get this in order, including all certified mail receipts. I will be happy to provide all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX XXXX XXXX {$310.00} Charge off REMAINS *XXXX XXXX XXXXXXXX {$0.00} Acct REMAINS
Product: Debt collection

On XXXX I contacted XXXX XXXX XXXX XXXX XXXX to discuss two open files which I have payment arrangements for to discuss extending my recurring payment schedule. When I questioned the rep on the dollar amount of one of the files not going down despite making payments for 2 years and questioned if I was being charged interest he confirmed I was being charged interest. I was never made aware of this, never received any statements showing the breakdown of what I was paying, never told I was being charged interest and have never received any notice detailing the interest rate or how much of my monthly payment is being applied to the principal amount. Both debts were owed to the same vendor and the rep could not explain why the larger amount was accruing interest. I requested a call back and all the documentation around the balance and interest and they did not provide either. This practice is deceptive, unfair and abusive. I have never been given the true amount owed as each statement shows various amounts that include interest I was not aware of.
Product: Credit card or prepaid card

To whom it may concern ; Ive been experiencing issues with a digital - credit card company named, Upgrade for the past 45 - 60 days, due to the fact they restricted my account, because of a previously reported derogatory remark on my credit profile. Therefore, in XXXX of XXXX their office decided to restrict me from further using my the card. Please note that Ive been a member of this company for over two years and have never been late on my payments on either of the two accounts I have with them. I have tried numerous times to speak with someone from Management, so they could explain me to as to why their hasnt taken the time to review my account / credit file periodically to determine if the restriction should continue. Yet I am always told that no Manager is available to speak or for a call back. Their customer service is not helpful at all, quite sarcastic and condescending. 

The Upgrade Card , Inc. Customer Service no. is : XXXX ( XXXX ) XXXX
Product: Mortgage

I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, XXXX  and TransUnion but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Unfair Practices and Consumer Financial Protection Act Violations I am filing a formal complaint against Experian for engaging in unfair practices that violate the Consumer Financial Protection Act ( CFPA ) and potentially the Fair Credit Reporting Act ( FCRA ).

Details of Complaint : 1. Inaccurate Reporting and Dispute Handling : Experian failed to update and correct inaccurate information on my credit report despite multiple dispute submissions. This negligence has negatively impacted my credit score and ability to secure credit or loans.

2. Unfair Practices in Consumer Disputes : Experians dispute resolution process was ineffective and did not comply with the Fair Credit Reporting Act. Their failure to investigate disputes in a timely manner and provide clear resolutions has caused me financial and emotional distress.

3. Deceptive Marketing Practices : Experian has engaged in misleading advertising for their subscription services, such as promoting free services that require paid subscriptions.

These violations demonstrate systemic issues with Experians credit reporting and dispute processes, which have harmed me and potentially other consumers.
Product: Checking or savings account

My account was closed wrongfully by Wells Fargo. Because I filed a dispute about funds that was taken outta my account with no trace of where it went. Additionally to that I was waking up to fees I didnt have a clue where they came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to the company and they responded with photo copies of billing statements. This is not sufficient proof of debt. They must have original contract with original signature in order to validate this debt. They have failed to do so and have not removed the collection from my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. Thank you.