23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted certifying employment for XXXX on XX/XX/22. I had several employers and submitted several different forms. On XX/XX/22 Mohela marked one of my forms as a " duplicate. '' I called and spoke with someone who confirmed that it was NOT a duplicate and had never been processed to begin with. She then stated that it would take 90 days to process the form. It had already been 67 days and now my 90 days restarted because of THEIR ERROR. I've met the 120 payment threshold and now have to continue to wait because they are not properly processing forms. The representative stated that there was no way to expedite it. It appears that they are trying to deny the relief that people are entitled to.
Product: Debt collection

The car was deemed a total loss, and they refused to cash the check my insurance sent them for a year, they sent a tow truck to my brother house to repossess the car that was sitting in the salvage yard and then turned in that the repossessed the car and they never did to negatively affected my credit, the debt collector wouldn't return my calls and wouldn't let me work out a way to pay off my debt and never sent me the information to dispute the debt and neglected to tell me i could do so. this account is no longer in collections and i would like it to be removed from my credit due to the reasons stated before.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {XXXX} XXXX XXXX  Balance {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT.US CODE 1681 E- COMPLIANCE PROCEDURES B ) 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 whom the report relates.
Product: Student loan

I called numerous times and was on hold for over XXXX hours and then disconnected. Nelnet is completely overwhelmed and unable to service the student loan repayment process. 
I have parent plus loans for XXXX of my children after starting the process 3 months ago I finally the last group of loans paid off. Unfortunately, XXXX sent the payment to them USPS and its apparently lost. I'm responsible for a payment and interest due today, my son who refinanced it via XXXX has a payment due on XXXX. 
As the agency assigned to many student loans, Nelnet is a complete failure. Everyone was aware this was coming and the fact that they are completely overwhelmed and unable to function is a huge failure that thousands of students are suffering with now. 
I don't feel I and my son should pay interest on money that apparently both agencies are unable to find.
Product: Credit card or prepaid card

PayPal closed my account after I made a complaint about a charge on my card that was denied 3 times at the hotel I was trying to stay at, then at about XXXX they took out my money for the room I didn't get and closed my account and I'm out almost XXXX dollars.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account number XXXX XXXX XXXX XXXX was paid off in full on XXXX XXXX XXXX The credit bureaus in question knowingly placed late payment on this account on XXXX XXXX XXXX after receiving this information twice. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Status charge off. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX.  It was reported to the bureaus as fraud in XXXX and XXXX with a police report. For some reason this account was updated and reported as late payments 29 times to the bureaus in XX/XX/XXXX thru XX/XX/XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last 36 months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Vehicle loan or lease

Santander Consumer has been caught defrauding clients and Reporting inaccurate information to the credit bureaus..I am a victim. Of fraud and unlawful repossession
Product: Mortgage

I own a rental house located at XXXX XXXX XXXX, XXXX, TX XXXX. I received an approval for a permanent modification that I had made 4 trial payments before they approved this final approval dated XX/XX/19. The modification is written like a hard money loan with all kinds of bogus fees and late charges that I didn't know I was being charged. They also have the terms of this modification to included a balloon payment of {$100000.00} at the end of the payments. Please review these modification documents I will send with this complaint and it will show you everything I'm trying to explain here. The 3 -4 payments that I had paid were put in a forbearing account and not applied towards the mortgage balance. It appears to me that not any of the payments I've made over the past years were never applied towards the principle balance. Instead they have increase the original loan to over {$70000.00} in fees I just don't understand. I thought that a loan modification was to help not punish me because I had some hard times. I've suffered through 2 hurricanes Ike and Harvey that caused me damages and my house is in need of much repairs. This lender has inflated the value of my house by over XXXX XXXX XXXX dollars. They had a broker do a BPO that was done by computer sales of properties with the same square footage, but they were not in the same community as well as these houses were not in need of repairs as mine is. Please help me understand why this lender is trying to hurt me and not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX
Product: Debt collection

Midland Credit Managment keeps harassing me about a debt for XXXX XXXX. Ive asked them to please cease and desist all calls and contacts with me immediately. Theyll change numbers and start calling and emailing again.They have even called my family members to get in contact with me. You are required by the TCPA to honor this request to cease and desist. This has taken a toll on my mental health. Harassment, intimidation, and bullying on a consumer is illegal. Also I dont didnt sign a contract with Midland Credit Management I had an agreement with XXXX XXXXXXXX so I will only be dealing with this debt through them. Pleas remove this account off my credit report from all 3 reporting agencies immediately. Legal action will be taken if this is not done within 30 days of this complaint.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the account XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Chase Card didn't report my phone number to the XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I got an updated copy of my credit report and I was shocked at how many accounts that were listed fraudulently. I have never conducted business with these companies and I believe that their information is completely inaccurate and false. I requested previous investigations for these accounts and I filed a FTC Identity theft report and No one responded which I believe is an indication that they do not have any evidence to provide regarding these accounts. 
Here are all the accounts I want investigated. 
XXXX XXXX There are XXXX other accounts listed by this one company XXXX XXXX XXXX XXXX There are XXXX other accounts listed by this company XXXX XXXX XXXXThere are XXXX XXXX accounts listed by this company XXXX XXXX XXXXXXXX There is XXXX other account listed by this company XXXX I would like a copy of any evidenced used to verify these accounts listed by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX XXXX  and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Product: Debt collection

On XX/XX/XXXX, I sent a letter via email to Forester & Garbus LLP who claiming to be a lawyer for XXXX XXXX XXXX. Stating that per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974.

Also this company is known for reporting incorrectly to credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX you are committing securities fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934.
Product: Mortgage

Nationstar continues to send me incorrect billing statement, and refuses to correct any past billing issues. They continue to charge me {$68.00} for " lender paid '' expenses, and any excess payments disappear! The lender paid expenses in question were paid in full as of XX/XX/XXXX. Additionally as of XX/XX/XXXX an escrow analysis was completed, which increases my payments by {$48.00}, with a new monthly payment of {$1700.00}. My monthly mortgage statements reflect an actual payment due of {$1700.00}, this is only a minor difference of {$4.00}, but if it is happening to all Nationstar customers sounds illegal! 
Nationstar also refuses to explain or investigate how over 10k in payments, from XX/XX/XXXX- XX/XX/XXXX, disappeared! Nationstar assigned account representatives also lack common courtesy to reply to written communication. ( XXXX XXXX )
Product: Debt collection

They put this collection on my credit report and its in accurate mbs bro LLC
Product: Credit reporting or other personal consumer reports

unauthorized use of my personal information by transunion specifically their actions in including or modifying entries on my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. 

Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, all hard inquiries 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Also, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX  XXXXBalance : {$12000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting or other personal consumer reports

Trans union is STILL telling me that a bankruptcy that is FALSELY listed under my name due to identity theft is coming back saying that information is verified as accurate! I have NEVER FILED A BANKRUPTCY!! Nor do I have any accounts showing a discharge of bankruptcy!! This was put on my credit report and ONly On trans union report..I have sent in everything including a letter from the us bankruptcy court to them directly w/a dispute letter. Yet they still come back saying verified as accurate!! THIS IS NOT TRUE AND I WANT OFF MY REPORT! They use a 3rd party that verifies it off of what because the courts DO NOT SEND ANYTHING TO VERIFY A BANKRUPTCY! They are liars because they say the info is verified as accurate!! By who?? They wont tell me!! Ive requested it 10 times now!
Product: Money transfer, virtual currency, or money service

My client used a credit card to pay me {$4200.00} via WePay ( JP Morgan Chase ). A few days went by and the money hadn't been transferred to my checking account. I contacted support and they gave me this response : XXXX XXXX, XXXX, the account has an available balance of {$4000.00}. This balance will be held for a period of XXXX calendar days to cover any potential chargebacks that may occur on the account. After the XXXX calendar day timeframe, our Trust & Safety team will review your account again to determine if the funds can be released.

We apologize that we are not able to offer you a better solution and wish you the best in your efforts going forward. 

Best Regards. 
XXXX | Customer XXXX XXXX