23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am having an issue setting up Auto-Debit for my new Nelnet account . Everytime I enter my name and bank account information, and click " submit '', I get an error message saying " something went wrong, please try again ''. I've tried numerous times to submit my Auto-Debit banking info to Nelnet, including trying different browsers, different computers and even from my XXXX, but nothing works. I called NelNet, and they said there is nothing wrong with my account, and it should be working. I sent them a paper Auto-Debit enrollment form via email, and it hasnt been processed. I am now receiving emails from NelNet advising me that I have not signed up for auto-debit, even though I emailed them a paper form. Can someone please look into this? I want to sign up for auto-debit but their system is not letting me.
Product: Checking or savings account

I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update information
Product: Debt collection

On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.
Product: Mortgage

We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.
Product: Credit reporting or other personal consumer reports

My loan ended with XXXX XXXX  on XXXX XXXX XXXX but i Still have a balance that I am paying to them. my account isn't even charged of but they are reporting me as paying them late every month. How can that be if I no longer have a contract with them? I need them to stop reporting me late. We are not even on loan terms right now and I am paying the balance that I owe. not only that, they have added more to the balance in the past and i was supposed to be done with this loan a while back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX*Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX .
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax consumer report, I seen XXXX unauthorized hard inquiry from XXXX XXXX on XX/XX/21. Never benefited from this transaction, never gave XXXX XXXX permission to check my consumer report on that date nor gave them permission to add information on my consumer report, Equifax never notified me that they received a request from XXXX to inquirer my consumer report. 

This is infact identity theft. Checking adding information about me without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT Collection Service whos address is XXXX XXXX XXXX, XXXX, MA XXXX is reporting a debt under my name XXXX XXXX XXXX that I have requested validation. I have not received this request and it continues to be reported to the credit bureaus under my name in the amount of {$510.00}. I called on XX/XX/20 to request validation of account and I have not received. I called on XX/XX/20 and they said they have requested it from original creditor. I am disputing the validity of the bill.
Product: Debt collection

Immediate attention is demanded for the law enforcement agency documents submitted regarding XXXX XXXX ( Account : XXXX, Date Opened : XX/XX/2022, Balance : {$0.00} ). Acknowledge their origin, take appropriate action, and promptly delete the account, or face imminent legal action for negligence and disregard for the law.
Product: Credit reporting or other personal consumer reports

I got an alert from my credit monitoring company ID shields stating that there had been an inquiry from Google and I have not or have any reason to buy a product from Google or have them check my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I request credit report online from Equifax. There is an online identification validation process where Equifax post 4 questions for me to answer. However, the 4 questions were bogus so there is no way I can get it right. The answers for all 4 questions are " none of the above ''. My wife tried the same process and got the same 4 bogus questions. It appears that Equifax deliberately deny request for credit report by failed the identification for consumers. 
I started from XXXX and did not have any problem with XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report to XXXX XXXX and equifax and they have not removed the illegal and inaccurate information that is reporting on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but EXPERIAN has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Product: Vehicle loan or lease

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Student loan

In XXXX I attended XXXX XXXX XXXX XXXX. The school was partnered with Sallie Mae/Navient . The school misled me to take out additional loans when I would have been fine without. They also were a scam school that said they were accredited and all the credits for classes would be valid. Due to these circumstances I was unable to complete my degree and find a job within that career field, even though they advertised that they had a great graduation rate and 90 % successful job placement program. 
In XXXX I applied for Borrowers Defense to Repay. After waiting and numerous trials with the DOE, they deemed XXXX XXXX XXXX XXXX a bad actor in XXXX. When they did that they removed my federal loans due to predatory lender practices. Sallie Mae/Navient were working alongside XXXX in ensuring the students utilized them for student loans and a part of all that was going on. Due to this, I would like to be added to the Navient pilot program for the School Misconduct application for borrowers that attended XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a bankruptcy on my credit report and they have put in a furnish date XXXX and XXXX XXXX which is false. 
I have attached a letter from the United States bankruptcy court XXXX XXXXXXXX XXXX XXXX  verifying and stating they dont furnish any information to over to any credit reporting agencies or provide any bankruptcy information to any credit agencies.

LexisNexis is falsely stating this information and sharing this false information with other credit agencies and yet to removed this false information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

After XXXX unsuccessful attempts to correct my credit report of errors regarding XXXX fraudulent inquiries, Equifax did not remove the inquiries and it has been over a XXXX day period. I am the victim of a medical information breach and that is my theory of the fraud against me.
Product: Mortgage

My loan was transfered and the company did not satisfy all the notification requirements. It failed to notify me of where the transfer of ownership is recorded, which is a RESPA requirement. 

On XX/XX/2019 the loan was transfered. The company reported me l ; ate for payment made on XX/XX/XXXX for the XX/XX/XXXX payment, as well as the XXXX payment. 

Since the company was deficient in its notification I should not be reported late.
Product: Credit reporting or other personal consumer reports

I sent a letter to the three credit bureaus ( XXXX, Equifax, XXXX ) disputing negative items found on my credit reports dated XX/XX/XXXX. I am currently awaiting an update from them within the 30-day period. However, given that it will take time, I am following up on this matter here. Below is the list of items I want to be removed from my three bureau credit reports, as stated in my letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax : 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

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I have written numerous Qualified Written requests to Specialized Loan Servicing LLC asking for specific items in order to determine who owns my loan, if there are any errors on my loan by reviewing them, legal documents pertaining to the chain-of-title, i.e. the Assignments and Substitution of Trustee Notices and who owns/has possession of my Note and Deed of Trust, along with other important information within my legal right to ask and receive.SLS then stated that they are not " required '' to provide life-to-loan transfers in relation to my Deed of Trust!
On   XXXX   XXXX  , 2017 SLS 's response to my Qualified Written Request/letters was that I have asked them too many times and they refuse to answer and therefore, they consider the matter resolved! They stated instead that they have a right to collect fees per the terms of the Promissory Note but do n't have to list them or give me a break down. ( only charge me for them! ) As for the errors I am looking to discover once I receive the numbers from SLS, they stated that " they have reviewed my account and there are no errors, but that I had a right to request the documents relied on by SLS in reaching the determination communicated in their letter. '' This is precisely what I have been asking for and I agree that it is within my right to receive them, but they refuse!
The previous letter I received from SLS stated if I wanted this information I would have to sue them to get it ... .does n't sound like a legitimate business practice to me and therefore I will continue to ask until I can reach my own conclusions and report them as well for fraudulent and damaging behavior toward me and my business.
Transparency is all I am requesting in order to be able to review what SLS is alleging I owe, what I have been charged for and the legal documents to show who can collect and who is claiming I owe anything. Pretty straightforward questions for a company like SLS to be able to answer, since this is their job!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and USC 1681. I have reviewed my credit report and found that the entry regarding the charge-off account [ XXXX XXXXXXXX ] with [ XXXX XXXX ] is incorrectly reported. Specifically, the account is listed as a charge-off when it is not accurate or up-to-date. 
I am requesting a full investigation into this matter, and for the inaccurate information to be removed or corrected. Below are the details of the account in dispute : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As this information is inaccurate, I ask that you correct it as per the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date. According to USC 1681i, you are required to investigate any dispute submitted by the consumer and complete the investigation within 30 days of receiving this dispute.

In addition, please provide me with documentation of your findings upon completion of the investigation, as outlined in the FCRA guidelines. 
Please note that if this dispute is not resolved in my favor or if it is not corrected within the required time frame, I will seek further legal action to ensure my rights are upheld, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 
Enclosed are copies of the relevant documents supporting my claim, including any payment history, letters, or other evidence demonstrating the inaccuracy of the charge-off. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and Victoria Secret. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( Comenity ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Product: Debt collection

I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.
Product: Money transfer, virtual currency, or money service

Today, XXXX XXXX 2023, I discovered that there had been XXXX unauthorized fund transfers between my bank, XXXX, and Credit Karma account totaling {$5100.00}. I immediately called my bank to freeze all transaction with no response from Credit Karma to that account and was told that I had to wait until those unauthorized transfers posted. 

I then logged into Credit Karma to find that my accountbinfo had all been changed and digital account representatives were unable to help me. After I changed my account info back to my phone number, they could locate my account and I was told to wait for an email to resolve my dispute. I have attempted to contact via email I received several times in effort to prevent the fraudulent funds from being withdrawn when I found that a new card had been requested at the same time as the transactions with no response from Credit Karma. 

In the meantime, several transactions from Credit Karma occurred from New York and nearly all the funds are gone. 

I have screencaps of this occurance and an associated email to the perpetrator as XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ISSUE IS WITH EXPERIAN REGARDING THE ACCOUNT XXXX XXXX {$960.00} BALANCE ON ACCOUNT # XXXX  IS REPORTING AS XXXX/XXXX XXXX WHICH IS FRAUD AND IT IS SHOWING ON MY CREDIT FILE, AND I HAVE NEVER HAD THIS ACCOUNT. I HAVE UPLOADED A LETTER FROM XXXX XXXX PROVING IT ON THE EXPERIAN DISPUTE UPLOAD WEBSITE AND EXPERIAN KEEPS PLACING THIS ACCOUNT BACK ON MY CREDIT REPORT # XXXX-XXXX-XXXX. I HAVE ASKED EXPERIAN TO REQUIRE XXXX XXXX TO PROVIDE PROOF AND DOCUMENTATION TO SHOW THAT THE ACCOUNT IS MINE. XXXX XXXX NEVER PROVIDES PROOF THEY ALWAYS SELECT THE ELECTRONIC WAY OF REPLY. I HAVE PLACED A FRAUD ALERT ON MY CREDIT FILE FOR A REASON AND THAT IS BECAUSE MY INFORMATION HAS BEEN COMPRIMISED IN THE PAST. EXPERIAN HAS DELETED THIS ACCOUNT IN THE PAST AND PLACED IT BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION TO ME WHICH IS AGAINST THE FDCPA & SC STATUE LAW.
Product: Debt collection

XX/XX/2020 XXXX XXXX adjustment co XXXX