23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan in XXXX of XXXX from Frost bank to help with the financial strain of the covid XXXX pandemic I received a personal loan with lower interest rate and extended payment options for XXXX but company did not offer any kinds of relief once the pandemic got worse because they explained that my loan didn't qualify. When I feel behind on loan I was charged extensive fees totaling {$10.00} a month on top of regular monthly payments that made me even when paid extra I couldn't pay down the principal due to absorbant fees added to each payment I was I'll and incapacitated at times and not able to make my payments on-time being XXXX times reported to the credit bureau for being over XXXX past due even if it was XXXX day. Payments were supposed to be aprx {$54.00} dollars a month but because of XXXX fees at {$5.00} a piece for being late and I can't remember what the other fee for {$5.00} was. I asked and begged the company for extensions, forbarance, and fee wavier but Frost bank said since it was called a pandemic loan I was excluded from any relief now loan is charged off with approximately XXXX due but would be way less if it wasn't for the late fees and additional interest charges even though the interest was low and payment extended I could've paid it off earlier with the banks help they offered every other loan except this XXXX and even after the government filed a financial emergency in XXXX Frost bank still refused me access to any relief
Product: Debt collection

GM Financial was sent a formal notice on XXXX/XXXX/2016 to validate and verify the debt they where attempting to collect on. No validation received. A second notice demanding validation was sent on XXXX/XXXX/2016 and GM Financial responded by sending forged documents, falsified records and documents with information whited out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Experian ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

On XX/XX/23, I submitted a consolidation application for an existing parent plus loan. As part of the application, I requested an IDR payment plan since our household is low income and we can not afford the standard payments. On XX/XX/23, the consolidation was processed, however Nelnet informed us that in order for the monthly payment to reflect our stated taxable income ( {$0.00} ), we need to submit a self-certified letter stating we have no taxable income. 

We provided the requested letter on XX/XX/23. Nelnet stated they would respond within 15-20 days, but we never received additional correspondence. We re-uploaded the letter on XX/XX/23, and Nelnet again stated they would respond within 15-20 days. We never received a reply. 

My son-in-law called Nelnet on XX/XX/23 to ask when the payment will be updated to reflect IDR. After waiting on hold for 90 minutes, the representative told him that the letter needs to be signed by both myself and my husband, not just myself. 

We uploaded a new letter on XX/XX/23 signed by both myself and my husband. Nelnet stated they would respond in 15-20 days. We have still not received a response and their stated timeframe has now passed. We are now past due on our payment due to how long Nelnet has taken to update our account. We can not afford the current monthly payments. Nelnet failing to communicate with us in a timely manner is the reason we are currently past due, and if they do not take action soon we will fall further behind through no fault of our own.
Product: Payday loan

The original company whom provided me a loan, sold my loan to another company. However, it has now been nothing but harassment. They call all day everyday, even after sending them a letter with contact permission, they also harass my family and my work place. Every time I ask for contact information they refuse to give it to me, and hang up.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, Transunion, XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.
Product: Checking or savings account

There was an account opened under my name without my knowledge. It was a TD bank checking account. As a result they used {$2100.00} and the account is in the negative and wont let me open a new one.
Product: Debt collection

IC System is reporting a false charge of {$400.00} that they claim i owe XXXX XXXX XXXX. IC System will not stop calling me and emailing me for this money. I have already explained to the reps that i never had a direct tv account or any XXXX  account for that matter. I sent letters to IC system and XXXX XXXX and still continue to get harassed and falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please abide with the law in order for this matter to be resolved promptly. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  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 This account is fraud and it dose not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.
Product: Debt collection

XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my Experian report stating I was 90 days late on ONE month in 2016 for a student loan. I without fail paid on time every single month. On this ONE month in question, I was marked 90 days late, but somehow ALL OF THE REST of the payments for the LIFE OF THE LOAN were ON TIME. Even the very next month. This is literally an impossibility. If the payment was late by even 30 days, the next month would be effected. If the payment was 60 days late, the first month would be 60 days late and the next month would be 30 days late. I have disputed this over and over and Experian refuses to help. I have even been hung up on by supervisory reps in the Experian call center. This is ILLEGAL. I have been trying to avoid the use of litigation but I now believe I have no other recourse. I also believe that because I have disputed this, my score has been kept low in retribution by Experian. If this has to go to court it will be a really difficult thing to explain to a judge how someone with ONE late payment in 2016 in an otherwise PERFECT credit history has a low score. XXXX = XXXX ; XXXX = XXXX ; EXPERIAN = XXXX. This false information is hurting me, my reputation, and costing me money in the form of higher interest rates. This needs to be removed from my report and so far Experian has refused.
Product: Checking or savings account

I made a purchase for gas at a XXXX XXXX in XXXX, Ms XXXX XXXX/XXXXXXXX  where I was charged for an amount of {$30.00} that I did not authorize. I only made a purchase of {$33.00} and the store clerk told me the extra {$30.00} was an authorization hold that would fall off. This amount posted to my account on XX/XX/XXXX in which I contacted Chase, but was told to contact the merchant first. I contacted XXXX XXXX customer service on XX/XX/XXXX and was provided an email to send a message to. I sent an email on XX/XX/XXXX with a picture of my bank statement of BOTH charges and my receipt showing I only paid {$33.00}. The merchant contacted back on XX/XX/XXXX and aside for another picture of the receipt that I had already sent, but I sent it again. The merchant did not respond and I emailed again to follow up on XX/XX/XXXX and received no response. I contacted Chase again to dispute the charge and explained the situation again of the clerk telling me it was supposed to be an authorization hold. Chase has now resolved the transaction in the favor of the merchant. No one contacted me to ask for a picture of the receipt I got from my transaction with XXXX XXXX I had to actually contact back AFTER I found out the dispute was not resolved in my favor and was then told to send the picture. After reviewing the claim information, the claim reason was also submitted incorrectly. I was also told I could not reopen the claim ALTHOUGH this was not my transaction and I have to contact the merchant even though I had explained to them that the merchant had not responded. Their claims department handles disputes horribly and I will NOT be paying for a {$30.00} charge I did not make.
Product: Mortgage

I cant do this with Shellpoint / Newrez Mortgage Services anymore, I am being lied to, not given current breach letter and they said I am in foreclosure, I asked them for lawyers name and number and called them. This file is closed and has been closed for years!!! They are saying I am in foreclosure to prevent me from getting help for my arrears, they have told my investors I am in foreclosure but its a lie, I called lawyer today. They never sent me a breach letter, they gave me XXXX from my previous mortgage servicer from XX/XX/XXXX. I am trying to get a reasonable repayment plan, but because they have everyone believe if I am in foreclosure when I am not they gave me this XXXX down payment. I also could be making payments again not in foreclosure ( talked to lawyer today XX/XX/XXXX ). I am getting no help from this company, lies lies lies! I am behind but I could have been making payments but they would not let me because they say I am in foreclosure, not true. I have sent disputes to newrez but no answer. This company is really really bad, I cant describe how bad this company is. I wish someone would realize the truth and see all the bad bad things they are doing. How can you tell someone they are in foreclosure and I have worried and cried cause I didnt know what to do, my husband is in home XXXX XXXX, he is XXXX, I am stressed so much and this company has added to my stress. The email me a voided breach letter from XXXX but never gave me a breach letter from Shellpoint. This is against the law and lender misconduct, but they will get a slap on hand and told to ruin more people life. I cant believe that this company is allowed to disregard every law and policy and walk away. Someone needs to hold Shellpoint/ Newrez accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX XXXX  account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Credit card

I signed up in XXXXXXXX XXXX XXXX for a Chase Sapphire Card because they were advertising that a lounge would be opening up in my home city of XXXX XXXX XXXXXXXX. Well I pais the {$550.00} fee and they didn't open the lounge until XXXX. They never provided updates and the WHOLE reason I got the card was for the lounge access. I called them to cancel and they said they would provide me a prorated amount back on the fee. Then they never did. I called them again and they said no prorated refund. I told them i paid for a service that you sis not provide. I did use one benefit with a third party XXXX XXXX. I paid for that but after I cancelled Chase they cancelled the benefit for XXXX XXXX  which I had paid for.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts and inquiries have been fraudulently opened or made in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these accounts and inquiries from my credit report. 
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 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 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 XX/XX/XXXX