23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have severe XXXX XXXX. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, I was scammed {$200.00} by someone through cash app. I reported it and requested refund. But nothing happened. I did not get refunded and the scammer still has cash app account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX  Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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.
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX XXXX- I paid {$3000.00} upfront for an extra XXXX Miles. The situation became confusing and I was never given all of the facts at the time of the extra miles payment. 
I never used any of the extra XXXX miles paid for upfront - I went to the XXXX XXXX dealership and to XXXX XXXX to colect my refund. I have been refused. 
I am entitled to this frefund and I need to colect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XXXX XXXX, XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX and told them that I did not get on the Paramedic when they came to get me after an XXXX attack. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XXXX XXXX, XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XXXX XXXX, XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX  XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XXXX XXXX, XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX needs to verify with where they got this information and find the right person who owe them. 

Dates : XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX  which I have no idea what 's that. This needs to be removed. 

Dates : XXXX XXXX, XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Product: Debt collection

Shortly before the Covid lockdown I traded a XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX. The salesmen stated that the amount billed would XXXX  out before the grace period on the account was up around XXXX I believe. I called aqua finance to confirm there was no interest accruing in the grace period so I would not be left with a balance. 4 months later I received an offer to open a credit union account with XXXX and a notice that I had an amount due. 
Upon research it appears that XXXX is a front for Aqua finance. 
I wrote to dispute and Aqua finance/ XXXX became Bay Finance, none of whom have a true debt for me. When I disputed with XXXX after erroneous posts the dispute was closed as a mistake on a closed account but they reported the same misinformation on my credit reports 3 times that same month after the bad debt was removed. 
Because they call me 5-10 times a day I have sent letters demanding they stop the abusive behavior to no avail and an email to them came back undeliverable to the address on their website ( Bay Finance ) .. Im at my wits end, the last item I received was a notice that they would continue to destroy my credit, and garnish my wages, take my assets etc over the account they admitted was not delinquent or open. 
As they have done severe damage to my good credit and harmed my reputation I believe they intend to continue this blackmail to whatever lengths they can get away with. 
There is no contract in my name, there is no debt to sell amongst these related companies and their deceptive reporting and aggressive calls make it clear they know they are in the wrong and are attempting to evade financial reporting laws.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX-2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet I feel like Im being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach in the past and may have gotten into the hands of the wrong person.
Product: Checking or savings account

Am Having A Problem with CashApp Account That My Transaction or being declined when ever i try to make a purchase with my cashapp card i contacted cash app support and they told me that unfortunately they cant do anything about this transaction being declined and being blocked and they did not help fix the hold issue thats on my account i cant use my cash app to make purchases please help me with this problem please
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Product: Debt collection

I would like to request a digital and hard copy of the Purchase Agreement from SPRING OAKS CAPITAL LLC of the alleged debt you claim I owe. The process of buying debt always include a contract which should explain in detail the following, What was bought, What representations are made for accuracy, What can be done with the debt, and the exact amount.
Product: Mortgage

Name of the product or service involved. - REFINANCE The dollar amount in dispute. - {$400.00} APPRAISAL FEE The date of the transaction. - XXXX/XXXX/2016 Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. - I COMMUNICATED WITH QUICKEN LOANS MY BELIEF THAT I WAS N'T TREATED FAIRLY DURING THE REFINANCE LOAN APPLICATION PROCESS, IN PARTICULAR, IN THE HANDLING OF THE ENTIRE APPRAISAL PROCESS. ESSENTIALLY MY GRIEVANCE WAS THAT I MAY HAVE BEEN A VICTIM OF A " BAIT AND SWITCH '' TACTIC. IN SHORT, BEFORE I APPLIED TO REFINANCE WITH QL, I SHOPPED AROUND FOR THE BEST DEAL AND SHARED QL 'S LOAN ESTIMATE WITH MULTIPLE LENDERS. THE FEEDBACK I RECEIVED FROM THE OTHER LENDERS WAS THAT THE XXXX PROVIDED BY QL WAS BELOW MARKET AT THE TIME AND TYPICALLY WOULD REQUIRE PAYING POINTS TO BUY DOWN AT QL 'S QUOTED RATE. I ELECTED TO MOVE FORWARD WITH QL IN GOOD FAITH. AS THE APPRAISAL PROCESS UNFOLDED, THERE WERE RED FLAGS. IN PARTICULAR, THE APPRAISAL COMPANY USED ( XXXX XXXX ) IS AFFILIATED WITH QL AND BOTH XXXX AND QL ARE OWNED SUBIDIARIES OF XXXX XXXX XXXX AS THE APPRAISAL PROCESS UNFOLED, THE OUTCOME WAS ME BEING CHARGED POINTS FOR THE LOAN WHICH TURNS OUT TO BE WHAT THE LENDERS FORETOLD ME. I SHARED MY CONCERNS WITH QL AND REQUESTED FOR A REFUND OF MY APPRAISAL FEE DUE TO THE POSSIBLE CONFLICT OF INTEREST BETWEEN XXXX AND QL. UNFORTUNATELY, WE WERE NOT ABLE TO COME TO A SATISFACTORY CONCLUSION. I HAVE ELECTED TO WITHDRAW MY REFINANCE APPLICATION AND PURSUE RECOURSE SUCH AS THIS COMPLAINT.
Product: Mortgage

XXXX XX/XX/XXXX. I closed on my new home the mortgage company was XXXX XXXX. I made my first payment to XXXX XXXX and then the loan was immediately sold to Mr. Cooper ( XXXX XXXX ). I proceeded to make each payment to Mr. Cooper and they have records to show each payment. 

Around XXXX XX/XX/XXXX, started receiving late payment notices from Mr. Cooper. I call Mr. Cooper several time to resolve this each time getting a different person and having to start from the beginning. 

One customer service person did try to stick with me and fix the problem because like every person that I spoke to at Mr. Cooper they said this made to sense. 

She figure out that Mr. Cooper didn't receive the first payment from XXXX XXXX  and that they need to get those funds transferred. XXXX finally sent the Principal but not the escrow. Mr. Cooper knows that the problem is between them and the company that they bought the loan from, but they still threatens me with foreclosure. messed up my credit and will not take my payment for the month of XXXX without penalizing me with fees. 

I don't appreciate they way that they are treating me, they know it not my fault. This is the 3rd home that I have owned and never has been late on my Mortgage, And even now I feel that I am being extorted for extra cash, because they don't have to answer to nobody and they know the fault is withe Mr. Cooper and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, has all violated my rights. 
15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments
Product: Mortgage

This is the story of JP Morgan Chase and the multi-year long saga of the never ending document demand and " we 're reviewing your loan modification request '' lie. This is how the original borrowers from Washington Mutual were treated when Chase bought their loan portfolio several years ago. Incessant letters, lost documents, multiple account rep changes, misleading characterizations of what underwriters were doing, lies that your loan was suspended from foreclosure when the XXXX was actually proceeding to foreclose. It was the most horrible experience I would never wish upon anyone in this country. Not months of waiting for an answer about a loan modification-years- and it never happened. My logical request to make some good faith payments while awaiting a decision- denied. Loan counselors so inept as to basic mortgage practice- widespread. Wasted hours copying and sending the same information over and over to a black hole- I wish I could have those hours back in my life. Again, all for nothing. Chase- I do n't care about how busy you are, how many problems you have and all the lame excuses for not dealing with your customers in a fair and expeditious way. You wanted to become this behemoth enterprise so you deal with it. I 'm done with you after paying this loan off and you will never see another dime of my money come your way.