23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX Date Filed/ Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.
Product: Credit reporting or other personal consumer reports

Tried adding a credit freeze to Experian on XX/XX/year>. 

Keep getting emails from Experian that my credit is NOT frozen. 

When I login, it shows credit IS frozen. 

I've called every number I can find and can not reach a human or get an answer to my question. I used chat and AI told me my credit was frozen. Very confusing and frustrating to not reach a human. Is my credit frozen or not, and if so, why do I receive emails saying the opposite?
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to Experian XX/XX/XXXX regarding my credit report because I found SEVERAL duplicate accounts on my report. I wrote them primarily about the XXXX XXXX account number : XXXX, and Ga own Credit account number : XXXX both of these accounts are duplicate and on my credit report repeatedly. I asked Experian to remove the duplicate account from my credit report. They ignored my request and responded with complete silence. I then came to the CFPB on XX/XX/XXXX to file another complaint which are documented under : XXXX, and XXXX regarding duplicate accounts on my credit report the accounts are XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are on my credit report SEVERAL TIMES and it is ridiculous. Instead of Experian addressing my concerns they claim to want me to " verify '' my identity. As a consumer I have the right to have a credit report that is 100 % accurate and obtain the right to dispute any information that is not accurate. I am utilizing my rights by creating a CFPB account and documenting the complaints I'm having with Experian. In addition I have sent several letters to Experian over the past 90 days that have all been unanswered. The Bureaus have a duty under the FCRA to respond to disputes in a timely manner and complete an investigation into those claims. Experian is is directly breaking the law by trying to stall the dispute process. As previously stated I'm in the market to buy my first home and my credit is important to me. This is why I'm addressing these issues. I need Experian to do their job and remove this inaccurate information from my credit profile. I will also be including documentation of both the letters I have already sent and verification of my identity in hope that Experian will respond swiftly and address all of my concerns regarding inacurate and duplicate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the branch manager. She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via Experian and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to Experian and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of XXXX XXXX XXXX XXXX buying a debt that you do not owe, which is illegal. These 3 credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all 3 reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a 1099C back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. Im fed up now especially since its hindering my ability to rental a home and credit card increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details. 

I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to. 

My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate. 

Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX? 

Which is it? 
Did the account K in XXXX? 
Was my last date of my activity in XX/XX/XXXX? 

Your reporting is all over the place. This is why this account must be removed! 

Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus Equifax, XXXX and XXXX to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ).

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX
Product: Mortgage

Due to financial difficulties borrower 's home was listed for sale in XXXX of XXXX. An offer to purchase the home was received on XXXX XXXX, XXXX. Bank of America as the servicer began to impose continuous requirements and waiting period hold and court authorizations prior to reviewing the borrower for a short sale which further delayed the transaction for a period of 8 months to the decline the offer after setting several requirements had to adhere to in order to be even considered for the short sale in which the borrower complied with. Bank of America than declined the short sale without a complete denial explanation, reason and due process of appeal as required by the HAMP guidelines. Bank of America requested a loan modification requested must be submitted prior to review of the short sale. The borrower was approved for an un-affordable loan modification which demonstrated more than 31 % of the borrowers gross income. Bank of America requested for the borrower to decline the offer in order to proceed with the short sale in XXXX. On XXXX/XXXX/XXXX a declination letter was sent to Bank Of America. On XXXX XXXX, XXXX Bank of America requested a Bankruptcy approval to proceed with the short sale. On XXXX XXXX, XXXX the bankruptcy court approved the sale of the subject property as Bank of America requested. Bank of America sent an eligibility letter on XXXX XXXX, XXXX. Bank of America than imposed another requirement for the borrower to wait 3 months for the trial plan period to expire ; although the offer is not valid after defaulting on the first trial plan payment. Bank of America did not allow the borrower to proceed with a short sale request until XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America denied the loan modification stating the Investor/Guarantor on your loan or your XXXX has declined the approval because it does not meet their requirements but would not disclose what requirements were not met and refused the borrower due process of an appeal after setting requirements and imposing conditions on the borrower to be met for a period of 8 month. By Bank of America delaying the process for 8 months which negatively affected the net present value results.
Product: Debt collection

XXXX called from Wakefield & Associates and immediately 3rd party disclosed that it was regarding a debt without proper verification. I have not received any written notification to validate the debt, no chance to dispute. XXXX refused to identify with first and last name as required by FDCPA. This is not the first call I have received, I had received a previous call where an agent verbally abused me and hung up on me. I do not know what kind of debt this pertains to as I have not received any type of written debt validation Notice.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have made consistent payments to Sallie Mae even when the payment amount due was much larger than I could afford and they show inconsistency in my payments. They reported me as 60 days delinquent but show a payment made the month before ( XXXX. 2024 ) and the month after ( XX/XX/scrub> 2024 ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handing Id disputes. particular in the light of recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle failed to investigate my claims adequately they inform me that covering lost funds was impossible while tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of the accountability. and transparency is unacceptable it raises serious concerns about consumers safety.
Product: Mortgage

Problems with Wells Fargo and XXXX XXXX not following 3 day rule for Closure Disclosure (CD).   Wells Fargo and XXXX   Title failed to follow CFPB requirement for 3 day rule.  The date of closing was XX/XX/XXXX.  I gave Wells Fargo and XXXX two weeks to correct problem.  However, they refused to address the closing problems.     My understanding is that CD 3 day Rule TILA-RESPA Integrated Disclosure (TRID) Rule apply to both the Loan Estimate (LE) and to the Closing Disclosure (CD). The Wells Fargo and XXXX XXXX XXXX XXXX should not be able to total change the estimate on the CD.   The Final ALTA settlement statement was totally different then the CD provided.  The consumer (myself) is entitled to receive the correct estimates amount on CD within three business days of placing a loan application.  I the consumer is entitled to receive the correct CD to review no later than three business days prior to the time when he/she is required to sign the loan documents.   The problem was that the Final ALTA was totally different then the CD provided 3 days prior.  The LE (or ALTA Statement)  discloses the loan amount, interest rate and the estimated monthly payment along with the balance of the terms of the loan. It breaks down the charges for fees and services required to secure the loan and gives the consumer an estimate of the amount of funds needed to complete the transaction. Determining when that countdown begins depends on how the documents are delivered. See section §1026.19(f)(1)(ii) of the CFPB’s TRID Rule.
Product: Student loan

Nelnet is the root cause. I attempted to change my IDR plan to SAVE to avoid being crushed any further with interest and high payments on the studentaid.gov website approximately a week into XXXX. At some point XX/XX/XXXX or before, Nelnet showed it was processing the request. On XX/XX/XXXX it showed Status : Complete. Then 3 days later they suddenly decide its not complete and claim to need more information. They claim to have emailed me, but they most assuredly DID NOT. Now they wont respond to emails or phone calls to tell me whats supposedly missing. Ive signed up to auto release my tax info so this is nothing more than a shake down to STEAL money from the working man/woman. 

What good is smooth service on studentaid.gov when my loan servicer just feigns incompetence so they can keep enjoying giants bags of my interest money while thinking of new and exciting delay tactics to add to their playbook of white collar crimes. 

If Uncle Sam really is still number one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Nelnet.
Product: Checking or savings account

I have been sick with XXXX and was not able to respond in a timely manner I would like to reopen case COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Checking or savings account ISSUE Closing an account step 1 : What is this complaint about? -- -- -- -- Balance not received from blocked account Step 2 : What type of problem are you having? -- -- - I was told that the balance would not be given to me instead would be in a ledger Step 3 : What happened? -- -- -- -- I opened the checking account with {$3000.00} dollars, 2 cashiers check were written in my name to me which was deposited at the ATM one for {$24000.00} and the other for {$12000.00} both checks were cleared, then one day i was not able to use my ATM debit i call the bank several times and was told the checks were fraudulent and would be returned to bank that it was written on. the the check for the {$24000.00} was returned the account was opened on XX/XX/XXXX its over a year now with still no response as to what will happen to my balance. The balance was already sent back and yet CITI still holding on to my balance,. 

Step 4 : What company is this complaint about? Citi bank
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

Someone had tried to purchase a Credit Card with TJX rewards which was issued by Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent dispute to TransUnion and XXXX concerning a collection from XXXX XXXX- On XX/XX/XXXX I was advised TransUnion deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX/XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
TransUnion/XXXX  finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Product: Student loan

This is the XXXX attempt to communicate w/ MOHELA regarding the PLSF. 
I have met the requirement of working for a government and or nonprofit community IRS verified employer. I am still currently employed with a XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all required information to XXXX  XXXX XXXX XXXX ( MOHELA ) and Student Loan Services. I have enclosed copies of all communication from MOHELA whereby it is written that I have 1 payment for total PLSF. MOHELA recently sent a letter stating that I was approved for an Administrative Forbearance ending XX/XX/2023. That is not the WRITTEN agreement that MOHELA mailed to me. I do not want my credit score impacted and according to THEIR written notification, I am eligible for PLSF. According to President Biden statement regarding PLSF, I have the XXXX  years of employment with the XXXX XXXX Forbearance to be included. I also have made required payments.
Product: Debt collection

In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX  balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.