23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet has never received written express permission from the original creditor known as XXXX XXXX XXXX. Nelnet is committing identity theft as in they have never received written express permission for Nelnet to have my personal or private information relayed to their corporate entity by the federal student loan administration. The federal student loan administration neither asked my permission to divulge my information personal or private and never received written express permission in accordance with USC 15 subsection 1692 g. This is another instance of a corporation stealing the identity of the living man not receiving written express permission in accordance with the law to divulge personal or private information to any processor or debt collection agencies. Nelnet is continuing to harass for payment and has not sent over any of the pertinent information that I am requesting under the fair debt collection act and fair debt collection act practices. Nelnet sent a fraudulent promissory note that I have never signed with Nelnet to the consumer financial protection bureau. if I would do commerce like this and commit these types of fraud I would be in prison. Nelnet will provide original contract full detailed list of payment history, chain of title for the debt, original signature with the creditor, and Insurance claim on the debt. Time and date that the debt was XXXX and if the debt has been XXXX I consider this matter closed I am requesting the 1099 c to cancel the debt and have requested the 1099 for over a year once I seen that the debt had been charged off. Nelnet is committing identity theft as in they have never received written express permission to have any of my personal or private information. Federal student loan has never received written express permission to divulge my personal private information to any third party not affiliated entity Nelnet is a third party not affiliated entity for-profit Corporation. Nelnet has been ceased and desisted numerous times. Nelnet is placing the living man under stress and duress.
Product: Vehicle loan or lease

I consign for my son 's car loan. I am not privy to when he makes his payment or amount. On XXXX XXXX2019 I contacted ally loan to talk about account and was advise that XXXX needed to be paid by XX/XX/ 2019.  I told them I do not want this going on my credit report and I had the funds to pay today and was told just make sure pay by XX/XX/ 2019 and that would bring it current. On XXXX XXXX,2019 I notice a late payment had posted to my credit bureau, I contacted ally and was told that it was 30 days late, I spoke to a supervisor and was told if I make the payment today XX/XX/XXXX they would remove it from credit bureau, a payment of XXXX was made and I phone back on the XX/XX/XXXX to verify payment was receive and XXXX told me it would take 7 to 10 days to remove it but it would be done. I receive a letter from ally on XXXX XXXX that they were not going to remove it from the credit bureau. They deceived and misled me to believe that this matter was being handled. If they had just taken my payment on XXXX XXXX this would have never happened. They did not give the correct information and advised me that the payment on XXXX would keep it from going on my credit. They tape all conversations and this will show they gave incorrect information and that it is their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate, erroneous, unverifiable account entry with XXXX  XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX   XXXX XXXX  has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX   XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. 

Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit reports.
Product: Credit reporting or other personal consumer reports

this credit using my information without my knowledge please remove it out of my credit report
Product: Credit reporting or other personal consumer reports

I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all three reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/2017 under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), A credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card account with XXXX XXXXXXXX on XX/XX/XXXX under account number ( XXXX ), and a collection account with XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) .These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have submitted multiple letters and have made phone calls to start thethe process to remove my PMI. I have different pages in my original note that ate conflicting. However, Per one of my notes, I am eligible to pay for a appraisal, of their choice, to be able to determine removal of my PMI. My home is now valued at more than the the required amount to remove my PMI. Citi Mortgage will NOT honor what my original note states. I have been paying PMI fees for way too long. My home has a balance of XXXX and is estimated worth XXXX. 
Please Help. Also, my payment goes up XXXX % until 5.25 %. My loan Modification in 2009 appeared to be good, but is n't.
Product: Mortgage

XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
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XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
XXXX XXXX, FL. XXXX ... ... ... ... ... ... ... .... 
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Shellpoint XXXX XXXX XXXX XXXX, MI XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Property Address : XXXX XXXX XXXX, XXXX XXXX, FL. XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
... ... ...... 
XXXX XXXX with Shellpoint : XXXX ... ... ... ... ... ... ...... 
First complaint letter filed XX/XX/XXXX : see reference number : XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
On XX/XX/XXXX, I filed a complaint against Shellpoint Mortgage Services ( SMS ), account number XXXX, for failing to return my refund check on funds held in my surplus account in the amount of {$700.00}. Please see complaint number XXXX. SMS refused to apply the money to my old account listed above, and they refused to transfer the money to XXXX XXXX XXXX to use toward the shortage on my new account when the loan was transferred from SMS to XXXX XXXX XXXX, on XX/XX/XXXX. Now, they are refusing to process a refund directly to me based on page three of their own letter wants after the loan was current ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

According to a letter that I received from Shellpoint Mortgage Services dated XX/XX/XXXX, SMS would refund my money placed in my surplus account after my loan was paid current. Please see the XX/XX/XXXX, on page XXXX, where SMS stated that the company will mail a check once the loan was current. Also, I have supplied copies of all checks paid directly to Shellpoint Mortgage Services. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
... ... ...... 
Since I have requested my refund three times. First, in XX/XX/XXXX, by fax. Second, in XX/XX/XXXX, by a complaint letter filed with Consumer Finance Protection Bureau. Please see Shellpoint Mortgage Services response at XXXXCFPB Response  XXXXXXXX. Third, in XX/XX/XXXX, by certified letter, and I have not received a refund. Please see certified letter dated XX/XX/XXXX. I feel that Shellpoint Mortgage Services has had adequate time to process my refund. However, SMS has failed to return my money. This refund has nothing to do with anybody else or any other company. I am requesting a refund of money paid directly to SMS. I paid Shellpoint Mortgage Services directly {$3100.00}, so I am requesting a refund for {$700.00} for money held in my surplus account that SMS failed to use for its purpose. Please see a copy of the all checks paid directly to Shellpoint Mortgage Services because as of today, XX/XX/XXXX, I have not received a refund ... ... ... ... ... ... ....
Product: Debt collection

Ok this debt was acquired by ms. XXXX XXXX phone, email address is XXXX she got a XXXX insurance policy without my notice months after we broke up we only dated for about 2 months her vehicle is a XXXX  XXXX XXXX XXXX but since she needed a XXXX on top of that insurance cards she decided to put my vehicle and my name without my consent now Caine and Webber have me in collections because of her fault which I think is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting

I am unable to do a temporary lift of freeze of my equifax credit report either online or via the automated phone system. The only way I can do a temporary lift has been to call the credit freeze department and they will offer to manual do this themselves for me, but they are unable to help me make the online system or phone system work when I try to use these systems. I do not want to have to contact the credit freeze department each time I need to do a temporary lift of my credit freeze, because they have made mistakes when they have done this service for me in the past. Also, their service is only available during normal business hours and not XXXX. Lastly, according to law, I should have the option of lifting my security freeze via phone automated system or via the online system. 

Please note I have done numerous things to solve the problem including calls to equifax corporate office XXXX ; Calls to the credit freeze department XXXX, calls to the consumer service office XXXX, calls to the equifax complaints office XXXX, and numerous other numbers. I have spend hours on the line without receiving effective help.
Product: Student loan

In XXXX I started school for XXXX XXXX XXXX I received a XXXX XXXX for this tuition the Pell Grant specifically stated what the itemized issues with the money was going to be used for this included tuition materials student transportation also the student for food and rent and most definitely to pay the school after 3 months of being in school working on a laptop I never received one penny from this grant my understanding was they were going to buy me a laptop pin paper materials books rulers things that I needed to continue in school I never received anything I had to buy my own laptop with my own money after 3 months of this they sent me a bill in the mail saying I own {$600.00} for tuition I contacted the federal government and they stated that they were paying the grant was on its way I didn't have any more money to continue buying materials that I needed for class so I dropped up under the understanding is that the school did not provide what they said they were going to provide for me in order to continue being schooled that is my dispute so I'm not paying them back no matter what I didn't receive nothing and I still have to pay their money no the grant was for me not for them
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I applied for a mortgage refinance application with Rocket Mortgage ( Quicken Loans ) and they pulled my credit report on XX/XX/2020 as part of the loan process. While this application is in progress, I would like to see how much can I qualify to purchase a new home and to get a preapproval from Rocket Mortgage ( Quicken Loans ). Then my mortgage refinance mortgage specialist transferred to his colleague who looks after the Home Loan purchase department specialist at Rocket Mortgage ( Quicken Loans ). The specialist called me and he said I'm short of few score points to qualify and provided some pay off amounts. 
On XX/XX/2020 he called me again and asked me about anything that I've taken care as per his suggestion and I told him not anything. He told me that though I didn't payoff anything sometime the National Agencies update the scores and we will figure out a way to get the preapproval. Then I specifically asked the two questions, Is there any impact to my credit report/history? Is my credit score goes down? ... he replied no impact to credit report nor reduction in score. He asked me can I move forward to check, I said yes. As soon as he did refresh my credit report, I did see a " Hard Enquiry '' on my credit report which I was literally shocked because the specialist said no impact to my credit report. I called him the next day and asked the same, then he said that you told me to move forward, I argued that I did say because you told me no impact to my credit report. The argument continued and after a couple of emails between us he CC 'd his boss and his boss called me and told the same thing. He escalated to another department head and he said he will review the calls and get back to me. The third person 's boss called me today i.e. XX/XX/2020 and told me that because I gave the consent there is nothing he can do. I told him again the associate didn't clearly communicate to the customer on the impacts of the action that he is doing though I asked about the impacts being refreshing my credit scores. I told him I am well aware of the Loan process and not a stupid give my consent to get another hard enquiry on my credit report for no changes that I did to repair my credit score. 
Please investigate and do the needful to consumers like me to know the details of the impact when they pull the credit report multiple time during one application process. 
Please call me at XXXX or email me to XXXX if you need more details on this issue. 
Looking forward for your response. 
Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX : {$1500.00}.
Product: Credit card

I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.