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

There are currently 5 Dep of Ed/Nelnet student loan closed accounts reporting negatively on my XXXX credit report. Around XX/XX/XXXX I was able to get the Dep of Ed/Nelnet student loan accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of Ed/Nelnet student loan accounts that are closed are still reporting negatively on my XXXX credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX and Nelnet multiple times via telephone and mail to have the closed student loan accounts removed, but XXXX and Nelnet refuse to remove the 5 Dep of Ed/Nelnet student loan accounts that are closed and reporting negatively XXXX is the only credit reporting bureau that is reporting the Dept of Ed/Nelnet as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of Ed/XXXX  I have disputed with XXXX using Consumer law and most recently XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX at XXXX XXXX XXXX I called TransUnion about a dispute that I sent to them certified mail on XX/XX/XXXX. The representative said to me that the only documented information about the dispute of this collection, " XXXX XXXX XXXX '' was the documents sent to them from CFPB and verification from them on XX/XX/2022. I asked the representative directly does she see the certified mail sent out. TransUnion did not respond within 5 business day that they were putting the Collection company on investigation. I sent in the certified mail a letter stating that " XXXX XXXX XXXX  '' was not bonded in the State of Texas to collect any collections. I also sent in that letter the other Collection company " XXXX XXXX XXXX '' this is the company they used to try and send me collections information which I never received. XXXX XXXX XXXX also is not bonded by the State of Texas to collect any collections. I submitted documentation from the State of Texas Secretary of State showing proof, which I will attach. I the representative to look twice to see if they received the certified mail and she said they have not. This is a blant disregard for looking at the investigation for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection will not send me an itemized summary of my account They have the open date of the account wrong on my credit report and refuses to change it has started the account over
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report shows that I have a credit card account with XXXX XXXX XXXX  and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.
Product: Debt collection

XXXX amount paid {$250.00} XXXX amount paid {$250.00} XXXX amount paid {$0.00} because I realized it was a scam
Product: Credit reporting or other personal consumer reports

I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been XXXX days late due to recent separation/divorce. Now XXXX XXXX is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission.
Product: Debt collection

First National Collection Bureau Inc. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in XXXX. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by First National Collection Bureau Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$15.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.
Product: Credit card or prepaid card

An Amount of XXXX was paid to a recipient through CHIMES since XXXX XX/XX/2023 and money was never delivered up till now ( XX/XX/XXXX ) despite all Efforts..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a collection account on my consumer file. This account has been handled in the Magistrate Court. The case was DISMISSED due to failure of XXXX XXXX  to validate that this is a debt and that the debt belongs to me. 

The incorrect reporting of the account is damaging my credit and character on my consumer profile.
Product: Credit reporting or other personal consumer reports

Capital one report to all 3 credit bureau incorrect account information which cause my credit score to decreased by XXXX points. Capital one confirmed by phone on XXXX that they reported my account information to all 3 credit bureau on XXXX which that is my due date on my account and the closing date on my account is every 2nd of the following month. Usually capital one does the reporting to all credit bureau after 2nd and this time around they did not. They confirm that this was a mistake in there end and were requesting that I send them a letter by mail explaining a mistake that they did on my account. Which I inform capital one that this mistake was done on there end and I should not have to send a letter explaining the mistake they did. They refused to have this mistake corrected on my account and stated a letter needs to be received by mail in order for them to review a mistake that was confirmed my phone that occur on there end.
Product: Student loan

I am in forbearance until XX/XX/year>. I should not be accruing any interest as I have not even started my payments yet. I have accrued over {$3000.00} in interest somehow and from talking with others it seems to be a common misstep in the agency. I have contacted them but have not heard back and it isn't the first time something has happened. Last year I had applied for the XXXX program and was coming up on payments, but then heard nothing until a few weeks before my first 'payment ' was supposed to be due. I had to contact them to figure out what was going on and eventually they told me it would be fixed but gave absolutely no details on how. No emails were sent or received and I had to log on myself to see they had pushed back my first due date.
Product: Money transfer, virtual currency, or money service

Cash app I've had money taken from more than one account. This most recent one I had XXXX spent on crypto by a hacker. I don't know how they keep accessing me, I filed a claim in the lawsuit but now they say they never received my claim and I can't file now. Plus I have two accounts with nearly XXXX dollars that they have held into for nearly 8 months XXXX XXXXXXXX and XXXX XXXXXXXX and I called and gave them all the appropriate info before and they won't release my money saying that I have to call back and do it again for months they did this. I don't even remember the info associated with the account no more because since the cash app breach my phones have been hacked like crazy and I've lost millions in crypto from hackers and my phone company sees the hacking along with XXXX security but they don't notify me or send me docs as I've requested so I can try to recover my crypto. Or ticket info or embedded materials that have been scraped off my phone and exported and shipped to foreign banking institutions. Currency in many forms embedded in my phone has been stolen many times in many devices and I need assistance. I can't get reports or investigations done from XXXX oh, no one helps, so I need a person to help and guide me my identity has been stolen to breach my accounts and platforms with my passwords etc. So this is my complaint and I have identity theft protection but they won't even take a claim XXXX is one of them for identity theft and I need them to pay my losses in embedded USD and other currencies that had been uploaded to my special effects before they stole everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX  XXXX, XXXX, XXXX XXXX  and others havent been any help.
Product: Credit reporting

Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.
Product: Debt collection

collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.
Product: Credit reporting or other personal consumer reports

I have unauthorized Inquiries reporting on my Experian credit report. I ask that someone can please help me getting them removed. 
Inquiries XXXX ) XXXX XXXX  XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX  - XX/XX/2022 These are the 7 Inquiries that I am disputing with Experian. I ask that someone help with the removal of these unauthorized Inquiries. 

Respectfully, XXXX XXXX XXXX
Product: Credit card

I applied for the XXXX XXXX XXXX American Express XXXX on XX/XX/year>. When I applied, the Welcome Bonus I signed up for stated that I would be awarded XXXX bonus miles when spending {$2000.00} within XXXX months, and would be awarded a {$500.00} flight statement credit when purchasing a XXXX flight within the first XXXX months. After receiving the card, I purchased a XXXX flight on the card worth {$1000.00} USD within the next hour. 

On XX/XX/year> I called and spoke with XXXX because I was seeing no proof of my welcome bonus on any of my account. He confirmed that I did have the welcome bonus, but would see the miles after XXXX weeks and the statement around the same time from XXXX. He recommended I call back to XXXX and Amex sometime after XX/XX/XXXX if nothing appears on the account at that time. 

On XX/XX/year> I called XXXX and was told that it would have to be handled on Amex 's side. I called Amex and spoke with a woman and she told me that she could not see any offers on my account, but would escalate it to see if my offer was pending, and that I would hear back within XXXX days. I did not hear back, but did receive the XXXX miles within the day. I called again on XX/XX/year> and asked about the status of the issue. I was told that the {$500.00} flight credit was still now showing on my account, and was being escalated ( again ) and would need to wait another XXXX days before hearing back from the escalation team. Again, I did not hear back from the team. 

I called on XX/XX/year> and requested an update on the issue, as I had not heard back from anyone and my next payment is due XX/XX/XXXX. I was told that the offer was not on my account, and apparently the escalation team determined that only the XXXX miles offer was on my account, but not the credit statement, even though previously XXXX confirmed I did have it. I asked to please speak to a manager or someone on the escalation team. The customer service rep stated that he filed a request for a complaint call, but would not re-escalate the issue. I was told that I would hear back within XXXX days. 

I have never received any of the promised contact back from Amex, though having requested it multiple times. I have been told that the welcome bonus both is and isn't on my account, and that " daily fluctuating offers '' made it challenging for them to confirm the offer I was given. I have gone through my snapshots and cache on my computer and found screenshot proof of the offer I had been given, as well as even going to the website with a new IP address and being offered an even better deal than before ( XXXX miles and a {$500.00} credit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency NBC MANAGEMENT SERVICE ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Product: Vehicle loan or lease

Navy Federal Credit union advertises New or Used Auto Loans as low as 2.99 % on their website : https : //www.navyfederal.org/loans-cards/auto-loans. 

At the bottom of the page, theres a disclaimer section thats linked to the 2.99 % rate that states Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles : Year models XXXX, XXXX and XXXX with 7,499 miles or less. Minimum loan amount is {$30000.00} for terms of 85 to 96 months. Payment example : New auto loan of {$20000.00} for 36 months at 2.99 % APR will have a monthly payment of {$580.00}. Used Vehicles : XXXX and older model years or any model year with over 30,000 miles. Late Model Used  Vehicles : Year models XXXX, XXXX and XXXX with 7,500 to 30,000 miles. 


When calling them this afternoon to refinance my vehicle, I was informed that the lowest rate for a Used Vehicle is 4.99 %, regardless of the term of the loan. I inquired about the 2.99 % rate and was told that the rate was for new cars only. After explaining that any reasonable person would receive the same impression that rates can be 2.99 % for used vehicles, a representative from Navy Federal seemed to agree that the 2.99 % wording could potentially be confusing, especially concerning the use of or and that theyd submit feedback to get this cleared up. This is deceptive. Because NFCU implies 2.99 % is available for new or used cars, they should be honoring this and have an option to get a vehicle financed at 2.99 %. Because they dont actually have this option, action needs to be taken. 

My concern is that Navy Federals rates are confusing and that they will not honor this advertised rate. This concern stems from a call I placed last year when I originally bought my car - during that call, I was told Id be able to refinance my car at a significantly better rate assuming my credit situation had improved. As of today, my credit situation has drastically improved and I should be eligible for a better rate, significantly lower than my current rate of 5.59 %.

Given that Navy Federal has admitted that the lowest for a used vehicle is 4.99 %, Im concerned Navy Federal has likely executed numerous refinancing loans to people who thought 4.99 % was based on their credit - not because of the lowest refinancing rate available. Im also concerned that if I applied today, Navy Federal would not honor the mistake and would attempt to offer 4.99 % or 5.69 % ( based on term ) as the lowest possible rate, especially given they expressed this over the phone.

I have put in an ask for Navy Federal to update their literature if its incorrect, and fairly honor the 2.99 % rate in a refinancing application. 


Its important to note that I was dissuaded from applying today after being told that their website was incorrect and that the rates and marketed materials were not correct for used vehicles.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within XXXX days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately XXXX XXXX
Product: Credit card

I am writing to express my concerns and frustrations regarding my recent experience with the deferred interest program on my care credit card account. 

Firstly, I want to emphasize my commitment to maintaining a positive credit history and a good relationship with Synchrony Bank. I have been a loyal customer for several years and my high credit score is a testament to my responsible financial behavior. I am also grateful for the opportunity to finance my XXXX XXXX which has improved my life dramatically. 

Recently, I encountered unforeseen financial hardships that made it challenging for me to meet all my financial obligations on time and pay more than enough with minimum payment. I was trying to set up autopay enough to cover all before the deadline. I thought I was on track to pay early. However, after checking my statement today XXXX I see it expired on XX/XX/2003. I do not normally check the statement each month as I have autopay and am not worried about missed payment. However, I realized the balance was higher than I was used to seeing {$2000.00} that when I realized {$960.00} is deferred interest. I was certainly alarmed. 

Unfortunately, due to these circumstances, I missed the deadline for the deferred interest program on my credit card. My intention was to ensure that I paid at least the minimum amount to avoid incurring interest charges. I called and explained my situation and that I could take money out of my Health Savings to pay off what I owe. The account manager was not able to help since it was past the 30-day grace period. 

In addition to the financial difficulties, I also experienced intermittent internet access issues during this period. As a result, I was unable to consistently check my statements online to stay informed about the status of my account. I understand the importance of staying on top of my financial responsibilities, and I sincerely regret any oversight on my part. I would hope the Bank had other means to notify their valued customers, such as e-mail, text, or even a phone call. I would have paid it off to avoid interest. 

I kindly request understanding and assistance in reviewing my account. Given my longstanding relationship with Synchrony and my overall good credit history, I am hopeful that you can offer a resolution that is fair and considerate of my current situation. 

I would appreciate any possible accommodation, such as a reconsideration of the interest charges, a waiver of any deferred fees. I am committed to resolving this matter amicably and maintaining a positive relationship with Synchrony. Any attention or help with this issue is greatly appreciated, and I look forward to a favorable resolution.