23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet has been an absolute nightmare to deal with in the wake of student loan payments resuming. My loan was transferred from Great Lakes and never had nearly as many issues as I have with Nelnet in this short period of time. It takes an hour to get ahold of anyone and when you do I have had my call dropped multiple times. When I have gotten to speak with someone I have received contradicting information and was assured I was on the XXXX plan and just needed to wait for it to process. I waited 4 months to get told they were missing information from me even though they said they have had everything they need for months. Their representatives do not know any information about the new plans and didnt provide any guidance as to how the government subsidies pays the remainder of interest on your bill. And even more so, the primary reason I am filing this complaint is my interest is STILL accumulating under the XXXX plan and no one has offered guidance when I have tried to ask as to why that is happening. I have contacted my congressional representative and havent had much luck. I need help with getting Nelnet to post accurate numbers and clear guidance. I need them to follow the guidelines of the XXXX plan and waive the remaining interest on my plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH QUICKEN LOANS/ROCKET MORTGAGE FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. QUICKEN LOANS IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY ROCKET MORTGAGE ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, QUICKEN LOANS/ ROCKET MORTGAGE.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : XXXX. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ) .Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

XXXX. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary WithOut Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX. 
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home. 

When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free. 

Because of this we had to pay XXXX in penalties to finance our new home. 

We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster. 

We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented. 

If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer. 

The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.
Product: Credit card or prepaid card

Over the time Ive had the Upgrade card, the account has been closed multiple times for reasons unknown. Ive had the card on auto pay and havent missed a payment. This last instance is the reason Im reporting today. My auto pay came as per usual of {$96.00} with no issue on XX/XX/XXXX, on XX/XX/XXXX i received a notice stating my account was closed. I wasnt sure why so I called. I was told that although I make on time payments and monthly payment was received the day before they had to close the account. They explained they did a random credit check and was told I was delinquent on another credit card, so they closed this one so that I wouldnt go into debt with them. The two cards have absolutely no connection with one another and the information they were provided was incorrect. They told me they would keep me on auto pay because they want to make sure they get paid but I no longer will have access to the card. If I stopped paying they would report me delinquent. I believe this is an unfair practice especially when Ive made my payments on time and have not given them any issue since Ive had the card. Upgrade credit was to help build my credit but instead I feel like they arent helping me at all. My credit limit was also reduced due to these random credit checks, its really unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the company to see if my credit was high enough for their services XX/XX/XXXX, then on my credit report it showed two hard inquiries another one on XX/XX/XXXX and I don't recognize the second inquiry. and that put 4 hard inquiries on my credit report and that's costing me points. I tried to contact them but their are to many companies with that name.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy : Bankruptcy - Reference Number - XXXX Subject : Dispute of Bankruptcy Reporting Under the FCRA To Whom It May Concern, I am writing to dispute the inaccurate reporting of a bankruptcy on my credit report. Upon confirmation with the bankruptcy court, I have verified that the court does not report credit information to any credit reporting agencies, including XXXX, XXXX, and Experian. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a bankruptcy as originating from the court without direct verification from the source violates this requirement.

Furthermore, under 15 USC 1681i, I have the right to dispute any inaccurate or unverifiable information on my credit report. Since the bankruptcy court does not furnish such information to credit reporting agencies, its inclusion on my credit report is unsubstantiated and must be removed.

Actions Requested : Conduct an Investigation : Investigate the source of the bankruptcy information reported on my credit report. If the reporting can not be verified directly by the source ( the bankruptcy court ), it must be removed.

Provide Written Confirmation : Notify me in writing of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the inaccurate bankruptcy entry.

Ensure Compliance : Verify that all procedures are in compliance with the FCRA to prevent similar inaccuracies in the future.

Enclosed are supporting documents, including confirmation from the bankruptcy court that they do not furnish credit reporting data, and a copy of my credit report highlighting the disputed bankruptcy entry.

I expect a response within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to comply with these legal obligations will leave me no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have requested them to stop contacting my son on our student loan account which was in arrears. He has nothing to do with the loan application and as we were not able to make payments, they started to send him harassing phone calls. I called today and spoke to the acct manager and he said that since we were behind in payments, they were reaching out to 3rd parties to get a hold of us. I asked them to stop and he said that they were allowed to do this. 

We have spoken to them on several occasions to try to restructure loan payments and they refused saying we are able to may the XXXX XXXXXXXX payments. We have also filed a complaint with their corporate office on this issue as well and they supported the original determination that we can make the payments. I do not have exact dates on my conversations with them. Total amount owed to them is XXXX. I have contacted them at least 4 times during the past XXXX to restructure payments without any luck.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX, made a charge to my account which was incorrect. I was able to obtain a refund for this charge, but I had reached out to CHIME BANK and alerted the dispute department, and they cancelled my card immediately and issued a new one. 

After this I had another issue with XXXX XXXX XXXX services. They had a glitch in their system and a transaction was stuck. They sent a manual authorization release form and CHIME BANK refused to release my funds. 

Then on XX/XX/XXXX the charge was dropped, and the funds were never released into my account. Approximately 45 minutes later a charge was posted with the posting date of XX/XX/XXXX @ XXXX XXXX XXXX for {$100.00} and {$0.00} How could a card that was cancelled a week ago be used to make a purchase? That question was met with more confusion and then a fallacy stating that there was a temporary card issued to me and that was the card that was used. This is impossible because all cards were turned off and the only card XXXX has on file per its billing department ( see attachment email correspondence ) is the card ending in XXXX. 

As a member of CHIME BANK since XXXX I am deeply disturbed to know they dont the safety and security of customers money seriously. I have a permanent disability and receive Social Security monthly. I made one mistake cashing a check and CHIME BANKs security department reached out to me with no recourse or appeal process, but now when CHIME BANKs security is compromised by allowing a card that was already cancelled to used and the transaction post to the members account ; its sickening and deserves to be investigated at the government level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hospital bills on my credit report, which stated I went to the hospital in 2021. I have XXXX insurance and I didn't go to the hospital last year. XXXX of the XXXX 's are exactly the same. The hospital sold the bill to XXXX different collectors. When I tried to bring this to Experian attention 2 days later I received a email stating the bill will remain. Experian too is NOT to trusted. I sent information from the hospital stating I haven't been there for the year 2021. I have a letter from the administration stating I have no bill. I asked each creditor to send me a print out of the original bill, I have never received anything from either creditor. Very disappointed at Experian. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX are the same bill.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your investigation in XXXXXXXX I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit rating ( XXXX XXXX XXXX, XXXX ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
Please see referenced accounts below : XXXX XXXX XXXX XXXX Account reporting inaccurately Sued by the CFPB for predatory lending Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX Account reporting inaccurate information Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX Account reporting inaccurately Please verify account belongs to me Account a result of identity theft Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXXXXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX XXXX XXXX XXXX This account does not belong to me, possible identity theft Please remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a COLLECTIONS debt for unpaid medical expenses. 
One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 
2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account.

I disputed these debts for the following reasons : 1. I had no knowledge of the debt.

2. The company, MBA Law, never attempted to collect the debt from me.

3. The debt does not match anything under my medical bills in the amount or date.

4. I have paid my medical debt or I am paying I'm accordance to a plan.

5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act. 
6. MBA Law has not provided proof of this debt belonging to me.
Product: Vehicle loan or lease

My loan is due for a payment of XXXX dollars every two weeks. Two weeks ago I set payment arrangements on XX/XX/XXXX. The company then called me another time in the same day XX/XX/XXXX. Twice on XX/XX/XXXX which the first time I answered ( XXXX ) and the same arrangements and they still called later on XX/XX/XXXX ( XXXX ). Then also sent me a text of the payment on XX/XX/XXXX. Then sent me an email on XX/XX/XXXX asking about the payment I had already made arrangements for. I paid the arrangement yesterday XX/XX/XXXX. I called in today to inform them that I want to place on the cease and desist and the agent said she wouldn't place the order until I told her why. I told due to harassment and she once again declined saying it's not harrasment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report. There are many accounts on there I do not know where they came from.
Product: Mortgage

I applied for a Va home mortgage through Quicken Loans. I worked on it from XX/XX/2018, until I received a Full Letter of Approval on XX/XX/2018. This went through underwriting and they totally verified all my asset, credit, & debit. After receiving the Full Approval Letter I was guided through the closing process, I paid for inspections- {$740.00}, appraisal- {$500.00}, HVAC inspection- {$60.00}, Title Search Fee- {$1800.00}. On XX/XX/2018 I received a denial letter stating that they can not service the loan and this was 2 weeks before my closing date of XX/XX/2018. They have yet to give me a legitimate reason why they backed out on the loan. All they could tell me is that someone screwed up and dropped the ball. I am a XXXX-year-old Veteran not knowing where to begin so that I can purchase the home before it is sold to someone else. Quicken has not followed through with his promise of reimbursing me all of my money. They have not been honest with us from the beginning. XXXX XXXX is the Chairman of this company and I want to believe after reading his profile that he would not agree with how his company is dealing with his clients so unprofessionally.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please see the inaccurate reported late payments below : XXXX. Account name : XXXX XXXX  Account number : XXXX Late payment reported on XXXX XXXX XXXX 

XXXX. Account name : XXXX XXXX Account number : XXXX Late payment reported on XXXX XXXX XXXX  XXXX. Account name XXXX XXXX XXXX Account number : XXXX Late payment reported on XXXX  XXXX. Account name : XXXX Account number : XXXX Late payment reported on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Vehicle loan or lease

My car was towed by the XXXX police on XX/XX/24 were giving the wrong information by the police department and the tow company my car remained in the tow company possessions I know that my finance company has three days before I had to get it out of the tow yard before they come get it and it was on a Saturday and repossessed on Monday. I was under the impression XXXX and XXXX are not considered business days but my financing company took it Monday now they asking for all this money to even get my car back from them. Technically, I thought I had three days and I was given the wrong information from my car company. When I called them the day they told me that they were going toprocess the repossession that I had a promise to pay I held my agreement and they still took it anyway
Product: Checking or savings account

This complaint is regarding the following bonus sign-up offer through Citi bank XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, a deposit of {$50000.00} was made to qualify for the {$450.00} opening balance. All contingencies were met and verified as such through online chats with Citi representatives. The 30-day payment window has since passed. From the link above, " Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. '' An official case ( # XXXX ) was opened with Citi regarding the non-payment and violation of the terms of service. On XX/XX/XXXX, an online agent told me it could take up to 5 days to resolve. Upon inquiring with an online agent on XX/XX/XXXX about the claim 's status, I was told it could take up to 15 business days. Throughout this process, I've been told conflicting information numerous times by Citi online representatives. When I notify them of this, they say they'll " refer the other agent for coaching. '' Meanwhile, if I had violated the terms of the agreement, it is guaranteed they would immediately disqualify me. I'm getting the runaround on my deserved sign-up bonus, and I feel like the CFPB should be aware of this practice by Citi. While I wait, I'm forced to keep my account with them open and in good standing, meaning they're holding my deposit XXXX while they delay paying me my deserved sign-up bonus. From the above link, " Fourth, your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Bonus. ''