23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal opened on XX/XX/2020 an unauthorized Credit Card account # ( SYNCB/PPC - XXXX ) under my name but with an unknown ( XXXX ) email address. 
Paypal also made hard inquiries on my credit report which reduced my credit score. I have an account with PayPal with another email but I have NEVER applied for credit card EVER with PayPal. This is fraud by PayPal and is purposefully forcing costumers to sign up for their credit card.
Product: Bank account or service

My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted
Product: Credit reporting

I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?
Product: Debt collection

I received a notice from my credit monitoring service that there was negative action on my report ( s ). A company known as Sunrise Credit Service with an address of : Creditor Contact : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX ( on report ). In the amount of {$350.00} XXXX XXXXXXXX. # XXXX Opened XXXX Reported XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of Trademark )
Product: Bank account or service

On XXXX/XXXX/2016, I went to Santander bank branch located at the following address : XXXX XXXX XXXX, XXXX, MA XXXX, to open a Simply Right Checking account. I chose that branch because I work as a consultant at a company located close by. A gentleman named " XXXX '' helped me with the process, up to a stage when he had to get approval from another department over the phone. I left the branch since we did n't get an answer immediately. He called later that day, saying my application was denied and did not provide any explanation when I asked for the reason. 
On XXXX/XXXX/2016, I called Santander customer service to inquire about the reason for my application being declined, since I strongly felt that it was a discrimination due to my nationality ( XXXX ), and they wanted to avoid me as a customer to save themselves the headache of having to deal with a customer whose origin is a sanctioned country. This is despite the fact that I am legally working here in the US and have SSN and bank accounts at other banks. 
I was directed to talk to a lady named " XXXX XXXX '', who I believe was a customer service representative. She was extremely unhelpful when I explained I have complaint. She directed me to go to the branch, even though I explained the branch did not provide any explanation and instructed me to call customer service. After some discussion, she decided to try to open an account over the phone, but then again, she was impolite in the way she would talk to me, raising her voice when I challenged her answers. At some point in the application process, she asked weird questions that had nothing to do with my application, something like " What is the astrological month of your birth '' which apparently required knowledge of mapping calendar months to those months. I provided my date of birth but explained that I can not understand why I am required to have that kind of knowledge to be able to open an account. She simply said she can not help and I should choose one of the options, and obviously my application got rejected for that reason! 
I feel it was a case of discrimination against my nationality and I hope to get a clear answer for that. What bothers me that they are not willing to express the reason for declining my application, which I think is my right as a customer.
Product: Credit card or prepaid card

I was approved for a credit card with a {$500.00} credit limit. Thats all I was approved for. However, Capital One charged over my limit without my authorization. Risk management approved my account with a {$500.00} limit for a reason! I cant use this card if I make a purchase over the limit. The card is declined!!!! 
Now I have a collection account for {$3200.00} on my credit report. This has ruined my score so I am not able to get approved for a mortgage -1st time homebuyer. I need to have the collection reduced to {$500.00} total. How can Capital One add additional charges without my consent?
Product: Student loan

I hold XXXX consolidated federal student loans serviced by Navient. I sent a check for {$13000.00} to Navient on XXXX/XXXX/16 for my consolidated loan XXXX ( Acct. # : XXXX ). It was cashed electronically on XXXX/XXXX/16 by " XXXX XXXX XXXX ''. The money has not been used to pay off my student loan. When I called Navient they said I sent the loan to the wrong processing address. However, Navient is part of XXXX XXXX as a government sponsored enterprise. Whether the processing center is at XXXX ( where I sent the check ) or XXXX PA ( where they said I should have sent the check ) is used Navient processes the check. They have held my money for two weeks which has not been used to pay my loan. According to the person I spoke to at Navient on the telephone they do n't intend on using the money to pay off my loan but stated they will send me a check for me to cash. I am supposed to cash that and issue another check to send to the processing center in XXXX. However, Navient is the processor regardless of the processing center. Navient is holding my money, without interest, and not using it to pay off my loan. I have not received the check. I also have an electronic pay agreement with my bank to currently make my payments which they could use for a refund. My recent loan payment does not reflect the money they have received to pay off the student loan. Navient is misusing and misappropriating my student loan payments.
Product: Mortgage

I received an adverse action notice for my HELOC application from Alliant Credit Union. I'm being denied because of two claims against my employment and identity. There is nothing fraudulent about the information I provided. I would like to resubmit and provide further documentation including my tax returns and other items.
Product: Debt collection

Credit Card was reported as having fraudulent charges and notified the card holder. Was advised to destroy the card and new card sent out. Was advised to obtain a police report which was later obtained. When first reported I was advised to get a police report. Called the police out and tried to do the report online. Was advised that I would need to come to the station to file the report. Obtained the police report stating the amount and dates in question - case # XXXX, provide a copy of my driver 's license as requested. After some time I contacted the creditor and was advised that I needed to file a complaint with the State Attorney 's Office. Contacted the State of Texas police department which advised that the card holder would have to file fraud charges. Notified the card holder and was advised that I would have to file the complaint - meaning I would have to conduct the investigation on the fraud. Nothing within the contract states that upon fraud charges that as a consumer that I would be liable for the charges and/or the investigation. No investigation was conducted by the card holder. I advised the card holder that I would pay out my balance that I owed, less the fraud charges. The charges was even verified by the card holder that the transactions occurred in the state of Florida by manual key. I advised the card holder that during the time of the transaction I was in fact in the State of Texas and around the same time used the card at a car wash in Texas. The card holder a few day after notifying the card holder of the unauthorized charges that it was verified that the charges occurred in Florida by manual key input. This and was advised that it would be taken care of. The amount that was in dispute was {$580.00}.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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
Product: Debt collection

Every 3 to 4 days the company calls and leaves a voice message. Every time I've answered they give vague details on what the debt is about. I've asked them to stop calling and they continue to call. I've paid a premium service to block the number and show as disconnected. As you as I turn off the premium service, the calls start again.
Product: Student loan

On XX/XX/2018, I applied to refinance my student loans with SoFi and was denied. According to the adverse action notice, the people at SoFi " carefully reviewed my application '' and could not currently grant me credit. The reasons are unknown, because I need to submit a letter to them requesting them. This is very unfair, as I believe they should automatically tell me these reasons in an adverse action letter.

The company did a soft credit pull and put this information on the adverse action letter. The credit score there was lower than any score I've ever had ( I frequently check - my score is typically in the 720-750 range, and this was less than 700 ) and noted serious delinquency. When I looked at my free credit report, there was no indication of any delinquency at all. If this was a reason I got denied, then this is ridiculous since it is untrue.

I did speak with someone when I originally applied, and they stated my working less than 2 years would be a reason for denial. I have worked a little over a year and a half because I graduated college two years ago and spent a semester in grad school. I found a job within weeks of leaving school, and was " unemployed '' for less than 2 months. I don't understand how a company that works to refinance student loans can penalize an applicant for working less time because the time up to when I started working was made up of me attending college, which is why I have the loans in the first place. This seems very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 it was alleged that i applied for a ( JPMCB CARD ) chase credit card however Ive never done so. I contacted XXXX  first to get clarification on the situation. I was informed that I would have to contact the company itself to get it situated and that if they were not able to remove it on their end that I would have to receive a letter stating that they are not able to do so, but that they give the credit bureaus the authority to do so on their behalf. I contacted Chase directly with the number that was provided under my XXXX account where they refused to help me and stated that if I was not applying for a credit card that they can not help me on the line nor could they send me anything in writing stating anything from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all 3 Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, TransUnion and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be blocked ( A ). I will take legal action against you if you do not remove these items. Please follow the law so that this situation can be settled quickly 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to the complaint I filed against Specialized Loan Servicing LLC ( SLS ) on XX/XX/2019 regarding the fraud they committed with the application of my monthly mortgage payment ( please refer to complaint number # XXXX ), SLS has once again committed fraud, this time by falsely certifying to XXXX  that the information reported to them was correct when I disputed their false reporting that my mortgage payment was more than 30 days past due. 

I can't stress enough how CFPB MUST take action against this criminal company!! The fraud they commit is blatant and outrageous!! Their actions are EXACTLY like the criminals who ran XXXX XXXX. I'm sure a similar {$2.00} XXXX fine  assessed against SLS would finally get them to start acting like a proper mortgage servicing company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.
Product: Checking or savings account

On XX/XX/2020 my bank ( Bank of America ) blocked my debit card because of suspicious activities during my trip in XXXX. When I checked my online banking account I noticed 2 transactions that were not mine ( XXXX $ and XXXX $ ). I filed a claim on XX/XX/2020 by phone with Bank of America. Right after that someone bought a plane ticket from my card with the total amount of XXXX $ ( XXXX ). 
On XX/XX/2020 Bank of America sent me email notification that my claim is closed and all transactions were made correctly. 

What should I do in this case? How I return my money?
Product: Consumer Loan

I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.