23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to formally express my dissatisfaction and concern over the unwarranted placement of an administrative forbearance on my Nelnet student loan account, which was implemented against my explicit wishes. Despite numerous attempts to rectify this issue and resume my payment plan under the SAVE program, which subsidizes interest, my requests have been consistently ignored or refused. Furthermore, I have been informed by a representative from Nelnet that I am liable for the interest accrued during this forbearance period, even though I explicitly requested numerous times to have the administrative forbearance removed. I have been approved for the SAVE plan since XX/XX/XXXX and should be benefitting from that payment plan. I called Nelnet in XXXX to remove the administrative forbearance ( which at the time, ended on XX/XX/XXXX ) but instead another one was placed for payments to resume XX/XX/XXXX. I spoke with a representative from Nelnet on XX/XX/XXXX from the solutions department who told me that it was their mistake and the issue would be resolved by XXXX. I called again on XX/XX/XXXX to check in on the progress of my request and for some inexplicable reason, they had no visibility as to how far along my request was and could only tell me to check in during XXXX. I called for a fourth time on XX/XX/XXXX and the representative had no idea what was going on and told me explicitly that she would help me remove the administrative forbearance. On XX/XX/XXXX, I received an email saying that my payments have been postponed due to an administrative forbearance being applied to my account. I called again on XX/XX/XXXX in an attempt to rectify the situation, yet again, but was on the phone for more than 2 hours, only for the Nelnet representative to drop the call. This situation not only represents a failure in adhering to agreed terms but also appears to be a deliberate attempt to impose unjustified charges. This is beyond acceptable- its basically criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 an account without my written instructions. And delete, this address never lived here XXXX XXXX XXXX, XXXX  XXXX, MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and XXXX and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation from Experian via their portal. Report # : XXXX. They said everything was 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, close date, date last active, last verified, term length, high balance, and date of last payment is NOT 100 % accurate. 


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 They did not modify, or delete, the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was just an error, but the unauthorized inquiry remained. This issue is incredibly frustrating, and I demand that the documents Ive provided be reviewed thoroughly so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This sucks I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts. 
HELP!!!!!!!
Product: Vehicle loan or lease

On XX/XX/XXXX, Lexus Financial responded to my first Complaint, indexed as XXXX. The resolution offered by the Company was a {$1400.00} refund, which I have yet to receive. When I called Lexus Financial today, I was informed the Company " has no record of a CFPB response, nor the promise of a {$1400.00} refund ''. I was referred to Lexus Corporate, which provided me the same nonsense non-answer. At this point, not only do I demand the {$1400.00} refund as originally promised in writing ( via the CFPB portal ), but I also demand a payment for my time and damages in the amount of {$1000.00}. I spent over 90 minutes on the phone today trying to get Lexus Financial to do what was promised via this portal on XX/XX/XXXX. Lexus Financial has not kept its agreement to me.
Product: Credit card or prepaid card

We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Debt collection

Regarding my previous complaint ID XXXX Commerce Bank did not submit charge off documents with dates that show when the account was transferred and when pulled from XXXX XXXX XXXX. My credit history report shows the account was charged off as of XX/XX/2019 ( see attachment ). 

Previously I had submitted all medical and other documents requested by Commerce Bank in order to assess the appropriate hardship program for my situation. I have been their customer for many years and deserved to be treated with more openness. This request was received but the status remained undisclosed.
Product: Debt collection

I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX  that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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 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  ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Product: Debt collection

FIRST FEDERAL CREDIT XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX This alleged debt was paid to resolve this issue over a year ago. This company has continued to recollect the same debt and has not removed it from my credit report as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e- A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 
Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit card

I opened up a credit card with Capital One in XXXX of 2015. I went online to setup auto-pay for my XXXX payment, but the system was down. I called and spoke to a woman who walked me through the process over the phone. I gave her my banking information and was told everything was all set. I track my credit closely XXXX, and received a notification that my score had dropped almost XXXX points. It was due to a XXXX delinquency with Capital One. I immediately called Capital One to discuss the situation. They appeared to be understanding. I was told they would no longer report this to the bureaus. I then received a letter saying they will not be removing this from credit reports. I called yesterday again to discuss the situation and was told there is nothing they can do. I am frustrated because this was a human error on their end and did not follow through with their promise.
Product: Debt collection

I've called this people and asked for original documentation to request debt validation and a verification letter confirming the details of this debt and the girl put me on long numerous holds then eventually never came back to the phone. I hung up. Now, I'm complaining here.
Product: Credit reporting

TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. 
THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. 
THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP
Product: Debt collection

I have had XXXX XXXX and XXXX for years and then all of the sudden i have a collection account on my XXXX  account from XXXX. When I first asked them about it they said it was for an equipment charges. I told them that's XXXX ive been with XXXX XXXX for like 5 years. The next attempt they said it was early disconnect charges. I told them now they are changing their story and ive had XXXX for years. Now they just reported on my credit report again {$1300.00} and i do not owe this to them. Im not sure what is going on here but I need it removed. We are working on buying our first home and have been paying off my debt for years. If it were mine id pay it but im tired of this. Ive have disputed it and asked for proof and they refuse. Im done please help me. I have also been told my other friends and family they have experience similar cases and are not happy.
Product: Credit reporting or other personal consumer reports

I contacted transunion multiple times about hard inquiry on my credit profile that I had no knowledge of or gave my consent to these inquiries ..1 ) XXXX XXXX on XX/XX/XXXX. 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX. 3 ) XXXXXXXX XXXX XXXXXX/XX/XXXX. 4 ) XXXX XXXX XX/XX/XXXX. 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX. 6 ) XXXX XX/XX/XXXX Transunion told me to get a police report but the police station said they couldn't give me one since nobody was approved or used it I called back and they still wouldn't remove it knowledge that it was fraudulent activity
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notification from XXXX stating that there was an inquiry on my report from XXXX XXXX. I immediately called them, and they did what they could on their end. They provided me with transaction information so I could report it as fraud. Both companies placed a freeze on my account, and I will be notified of any fraudulent activity moving forward. However, since the inquiry is still showing on my report, I was advised to take certain steps to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Product: Credit card

XX/XX/year> {$95.00} i returned the product, filed dispute. 
capital one didn't help me at all
Product: Credit reporting or other personal consumer reports

Altisource/Lendersone date XX/XX/year> I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/year>. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of the US Bankruptcy court filing with Experian 4 times and again today for the 5th time. Experian has done a reinvestigation into the dispute but has refused to provide the contact information for the verifier of the Bankruptcy filing. Experian continues to list the source as the US Bankruptcy court however the  Court has provided in writing that they do not verify the case filings, nor do they have a department that does such verification. The use of electronic verification and third party vendors is prohibited from validation sources. It must be the source the US Bankruptcy court itself. I have supplied the attach documents to Experian, Spoke to 2 supervisors and 3 agents. The item is still being reported with no  information released as to how the verification was completed, who completed the verification and reinvestigation from Experian. This is my 5th attempt to have them remove the item since it is not able to be verified with the source. The following FCRA rules provide for deletion and I have sent the attached letters making a deletion  requests. They are also reporting late payments for XXXX XXXX when the documentation clearly shows payments. 

FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ) FCRA Section 609 a ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and 1040-ES Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my Experian credit report
Product: Debt collection

Over a year after the birth of my first child my family received a notice to pay an unpaid bill in her name for {$300.00} from a collection agency. We requested that an itemized bill be sent to explain the debt since we had never before had notice it was owed. Now it's two years later and we have yet to receive an explanation or itemized bill, but are still receiving periodic attempts to collect on this debt from Sequium Asset Solutions. Several months ago I called and complained to them and made clear that I'd file a complaint if contacted again without receiving the itemized bill. Earlier this week they again sent a collection notice via mail. 

Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

Marcus Bank notified me of an automatic CD renewal 3 days after the 10 day grace period that would have allowed me to choose other options. It was XXXX calendar days vs XXXX business days, and happened over the XXXX holidays. I was also charged an exorbitant fee for closing this CD early after the autorenewal. I asked them to waive the fee, but was told there was no option to do so. I immediately closed my account with Marcus and requested an ACH transfer to XXXX  XXXX XXXX.
Product: Payday loan

A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.
Product: Credit reporting or other personal consumer reports

XXXX claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that XXXX was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX 2017, I called XXXX XXXX to inquire about services, products and prices. I immediately and specifically told the representative that I DO NOT give authorization for them to check my credit report because I was n't sure if I wanted the service at that time. I was simply conducting a comparison with other providers in my area. The representative assured me that he would not check my credit. I was given some information and told him if we decided we wanted service with XXXX XXXX, I would call back. I now have an unauthorized hard inquiry on my credit report from XXXX XXXX dated X/XX/17. I am not happy and totally disturbed that I would be taken advantage of so quickly and easily simply because I wanted to know about the company 's services and products. I was a former XXXX customer so once I gave the representative my name and address I 'm sure that 's how he obtained my social security number. This is fraud and I want it removed! 
Thank you for your services.