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

In accordance with the fair credit reporting act this creditor / credit reporting agency has violated my right under 15 USC 1681 section 2 states I have the right to privacy. 15 USC 1604 section 2 consumer reporting agency can not furnish an account without written consent 15 USC 166B creditor may not treat payment on a credit card as late for any purpose
Product: Student loan

Nelnet became the server of my student loans on XX/XX/XXXX and never reported to the credit reporting agencies that the loans were transferred in to them. Nelnet has never reported any of the accounts on my credit reports as paid in full. I've disputed these accounts with Nelnet as not being reported and had to email copies of my credit reports to them to show that they are still listed and being reported by the previous servicer XXXX. On XX/XX/XXXX, I was transferred to the Resolution Specialist XXXX who said she was the highest person in the company that I could speak to when asked for a supervisor " I'm the highest person you can talk to there is no one higher than me ''. XXXX said they Nelnet sent in a notice to the Credit Reporting Agencies each time I disputed it with them. " We sent the CRA 's notice that the accounts we paid in full '', I asked her how can they report an account that they never reported before since they were in suppression per the Depart of Education from XXXX  to XXXX " We weren't allowed to report anything during that time period and once that ended we reported to the CRA 's that the accounts were paid in full. So I asked her how can you report accounts as paid in full if Nelnet never reported them in the first place as being transferred from XXXX, and that Fedloan account numbers are not the same account numbers that Nelnet shows, she said " it doesn't work that way, I asked how can you report account paid if you never reported the accounts in the first place, that Nelnet has never been listed on my credit reports and that she can see what's reported on them since she had copies of them in front of her. She stated " Its up the CRA 's if they report what we sent them and correct it not Nelnet, so I asked again how can Nelnet report accounts paid on full if they never reported them in the beginning and that they had to have my permission to report them so they stated " you gave the Department of Education and its servicers permission to report them and I can send you a copy of them '', I stated to her if that's correct them send me written proof of what was submitted to the CRA 's, she stated " I can send you copies of the letter we sent you when you disputed with Nelnet, I said no send me proof of what you transmitted to the CRA 's, per FCRA I have a right to the procedures that were done to report these accounts to the CRA 's. She hung up on me because I got loud because she kept interrupting me as I talked and asked her questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies refused to report correctly can these items be removed of my XXXX, be XXXX be and XXXX  for aargon agency, for XXXX XXXX for XXXX $ and XXXX , and XXXX XXXX  for XXXX XXXX XXXX in the amount of XXXX $
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late
Product: Mortgage

I requested a HAMP Modification to my mortgage in   XXXX   from  Flagstar Ban k. I worked through the difficult process of sending required documents that were lost and did not receive communication back. I was uncertain of  Flagstar  ability to process the loan so after 4 months of no progress, I sent in a mortgage payment. I sent two mortgage payments to  Flagstar  and both were sent back to me b y Flagstar. I  continued with process and began emailing any staff at Flagstar regrading by modification. My complaint is that I was just informed by my current mortgage lender,  XXXX   XXXX , that  Flagstar  did process my modification under  HAMP  after I asked for a Payoff quote. It appears that since my interest was n't lowered, years added to loan for a total of 40 years, and deferred principal amount of {$26000.00}, Flagstar merely completed a streamline loan modification. Therefore, my loan was n't a HAMP as I intended and the deferred principal was n't forgiven.
Product: Debt collection

In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.
Product: Checking or savings account

Our XXXX payment feature has disappeared without notice or reason and we do not know who is to blame, as both Citizens Bank, XXXX and XXXX blame each other. 

Please investigate and advise.
Product: Debt collection

I sent a certified letter to collection Credit Collection Services collection agency asking them to validate this debt and competent evidence bearing my signature showing that I have some contractual obligation to pay them. I attached what they sent me for validation, which is only a bill. They violated the Fair Debt Credit Practices.
Product: Credit card

I initiated a balance transfer from Chase bank XX/XX/2016. No where did the offer define how much my minimum payment would be. The transfer amount was {$13000.00}. Unfortunately I have been using balance transfers for years and usually minimum payment is very minimal. I was shocked when I received my bill after the balance transfer took place telling me the minimum payment due was {$660.00} First I called the credit card department and was told that was just the way it was. Then I went into my local bank and spoke with a banker and then the bank manager. Both of them looked everywhere, on the bill, the balance transfer offers they send and nowhere could we find how the minimum payment is calculated. The bank manager and banker did call and speak with the credit card department on my behalf as they agreed with me about how could they charge that type of a minimum payment without letting me know. 

Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.
Product: Debt collection

On XX/XX/2018 I noticed {$2200.00} withdrawn from my account. I called my bank and they stated they were not sure what it was but would contact me after they completed an investigation. I called back again the next day and was given another telephone number to call and speak to someone. Upon doing so, I spoke with a representative who said it was a debt set-off from my husbands credit card. We had made multiple attempts to settle with this credit card and were not given a settlement agreement. When we spoke to the law office this debt was sent to, they offered a settlement but never sent payment info. I contacted them to no avail. When speaking with this contact person on the second number I was given, they stated any time they see money available in my checking account they will take this money for the debt owed on the credit card and they are not obligated to inform me prior to doing so. I was never informed of this, never informed of any judgment against my husband, myself or our accounts. I am now unable to pay my mortgage, my car payment, buy groceries and even pay for my toddlers daycare so that I can go to work. I have {$70.00} to my name at this time due to the amount they took from me and are refusing to refund it. I even asked to go on a payment plan and they stated theyll discuss a payment plan for the remaining balance one the {$2200.00} cleared my checking account.
Product: Student loan

I applied for the SAVE Plan on XX/XX/XXXX thru the Federal Student Aid website. I received an email from Nelnet on XX/XX/XXXX, saying that they received my application. I did not receive any updates on my application after that. 

I called the customer service number a number of times beginning mid XXXX. I was finally able to get through on XX/XX/XXXX. I was told I need to upload my tax returns to the Nelnet website for my application to be accepted. There was no contact from them to inform me to do this. When I applied on the FSA website, I selected to have my Tax information linked thru the IRS, but Nelnet did not accept this method I guess. I uploaded my tax information and was told my SAVE application would be processed in 15 days. 

On XX/XX/XXXX I was sent a message on my account saying I needed to make a payment to be switched from Standard Repayment to the new SAVE plan. However, the letter I received had a blank space under the amount owed and blank space next to the date the payment was owed. I checked my Nelnet account and saw that a {$5.00} Payment was shown as due by XX/XX/08. I made the {$5.00} payment on XX/XX/XXXX. My account now says I have a {$4.00} payment due on XX/XX/08. 

On XX/XX/XXXX I began to get a Pop-up on my account that said my application was incomplete, pending my payment. I called the customer service and was told that I needed to make a one-time payment on the account before they can switch the plan. I informed her that I already did and she said it didnt take, that I would have to try again. I asked if I could make the payment needed over the phone and was told no. 

It is now XX/XX/XXXX and then here has been no movement or updates on my application. It continues to say my application is incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXXXXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.00XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XXXX Balance XXXX {$9900.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX REGIONS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHASE XXXX
Product: Credit card or prepaid card

Hello I have a credit card dispute that has negatively effected my credit due to a card that I don't have and was used a few months ago and now it has ranked up late charges, the starting amount {$86.00} on XX/XX/2021 and now the total amount with late fees is {$160.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these accounts violated my federally protected consumer rights to privacy and confidentially under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account has violated my rights I looked at my Experian Credit Report and notice something incomplete and not accurate this account is in good standing and pays on time and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of this information concerning the individual about whom the report relates according to 15USC 1681 ( e ) and 15USCi ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing about two addresses that I lived at they have both correct and incorrect information. I tried a could of times to correct them with all three of the credit bureaus but they just don't seem to get it. I think it was Equifax that that told me they don't take the disputes over the phone. The first one is where I currently live. My correct address is : XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX, XXXX, WI XXXX. At this address they show me without an apartment number and they show me at apartment # 1. Every unit ( four of them ) has an apartment number in this building, 1 through 4. I don't and never lived in apartment # 1. I've always only lived in apartment # 4. 
The other address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI. XXXX. I'm also shown living in apartment in apartment # 5. I have never lived in any other other apartment on XXXX XXXX but apartment number # 8. 
Please help me to correct this. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This is a bit of unique scenario, so I'm not sure if the selections I made were 100 % appropriate to land where we did. I am a XXXX in the XXXX XXXX XXXX. I have about XXXX Soldiers I am responsible for directly out of the Kansas XXXX, MO area. Several Soldiers are being assessed undisclosed fees by Citibank on their Government XXXX XXXX. The fees include a {$29.00} late fee ( this used to be disclosed in the past, but is no longer ) and a {$89.00} salary offset fee ( never disclosed that I could locate ). They are using the military as their collection arm for said fees. I called Citibank directly on XX/XX/23 asking for these disclosures to be provided at XXXX. I was told I would need to speak to their collections department and transferred a few times. After about a 1/2 hour wait, I disconnected the call as I was at work. I had one of my Soldiers with fees also attempt to call in this week and she advised she disconnected the call after about an hour wait. I called Citibank back yesterday, XX/XX/23, and advised I would like to file a formal complaint regarding potential XXXX ( A ) P and SCRA violations regarding their undisclosed, pyramiding, and junk fees. They took my complaint and I received a return call this morning at XXXX AM XXXX from XXXX. I shared my concerns with the representative as he seemed unprepared for the conversation and had not read the complaint I provided the previous day. Ultimately he did confirm the fees are not disclosed anywhere beyond directly in the " master contract '' with the government. He also said the {$29.00} late fee is assessed on any balance over {$1.00} ( which is insanely high ). They will also charge late fees for late fees. My Soldiers are being charged these fees directly by Citibank, using the military hierarchy in an attempt to collect them, and are not disclosing any of this to the end user. The Soldier also can not avoid harm as they are required to have a Government XXXX XXXX. 

Please note I have collection attempt emails, but they will not attach. I can forward as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XX/XX/XXXX payment and scheduled for six months. Repayments started in XX/XX/XXXX. Beginning in XX/XX/XXXX-XX/XX/XXXX, SunTrust reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of SunTrust. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several SunTrust employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, SunTrust removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to SunTrust 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r 710. XXXX  has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.