23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX multiple times for trying to dispute information. It said I could complete the dispute for free ; however, XXXX keeps making me trying to pay. 

Radius Global Solutions has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with XXXX  XXXX Packet and police report. Initially, the company removed from credit report and the placed it back XXXX months later
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Student loan

Last year, XX/XX/XXXX I received notice from Nelnet, my XXXX loan provider stating that my loan was going into the repayment status and that I needed to make a payment by XX/XX/XXXX in the amount of XXXX which I did immediately. However, shortly thereafter I began to receive late notices from Nelnet. I then called the XXXX XXXX money order phone number and verified that the money order had been cashed by XX/XX/XXXX, but it wasn't applied to my account. I then made several attempts to reach Nelnet both by telephone and email, yet I could not a live person on the phone at any time, just an " AI chat. '' would reply with a vague message, it wasn't helpful to me. As time passed the late notices continued. I then proceeded to file a complaint about a month later through the XXXXXXXX XXXX loan website, but to no avail. Their system has issues too! During the course of this time the XXXX  government had issued an additional program labeled " on-ramp '' where the student loans would not be reported to any credit bureaus until XX/XX/XXXX, clearly that is not happened in my situation. I felt that I was being ignored at that point so in XX/XX/XXXX I submitted a complaint through the XXXX XXXX XXXX, but I was told by them via email that they also tried to contact Nelnet, but Nelnet never replied to their query either. I needed someone at Nelnet help assist with a repayment plan as I was injured in a car accident last year and could not make regular monthly payments because I had not been able to work full-time since the accident occurred, but since they fail to any answer calls with live representatives that just adds insult to injury in my opinion. I have tried tirelessly to get this resolved since last year. I end up right back where I started with it, being reported late every month, and my credit is taking a beating because of it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to catch up with XXXX and XXXX
Product: Student loan

Nelnet keeps trying to pursue collections despite XXXX XXXX filing on XX/XX/2023 in NC XXXX XXXX Bankruptcy Court in XXXX, NC. The case number is XXXX. 

I am represented by legal counsel in this matter. My lawyer is XXXX XXXX of XXXX XXXX XXXX, XXXX in XXXX XXXX NC
Product: Credit reporting or other personal consumer reports

Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time. Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Product: Debt collection

My wife and I have been geting calls for the past 6 months for a XXXX XXXX. She apparently owes a debt to a credit card company. We do not know who this peraon is, other then we share the same last name. The calls are made to my wifes cell number as well as our home phone. The calls come in at any time of day... .most calls are on the weekend as well as XXXX XXXX. I have done everyting I can about this. I have called them and told them I was going to report them. We have tried blocking and it doesn't work. The last call we got was from a XXXX. The company name is MCM. The most recent call came in at XXXX XXXX  We have had enough in that these calls are way beyond harrassment.
Product: Debt collection

I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC is reporting inaccuracies on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 Ars Natl Svc called me and did not leave a voicemail. After XXXX  this company, I found out that they were debt collectors. I reached out to an online rep to get an address so that I could mail this company a letter stating that the debt is disputed and to provide validation. I never received any written notice or a letter stating that I had the right to dispute, so I sent a dispute letter anyway so that I was within my time limits of the FCRA when responding to debt collectors. On XX/XX/2021 I sent the dispute letter to this company via certified mail to the address that a rep gave me. It is now XX/XX/2021 and this company is calling me again leaving no voicemails and sending no validation letters. The company resumed calling me XX/XX/2021. I still have not received any written notice or response from this company.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  XXXX - XXXX - {$280.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

Huntington Bank reported my balance to the credit bureaus as {$220.00} on XX/XX/XXXX, right in the middle of my billing cycle. They were NOT supposed to report that balance at that time. My Statement Opening Date was XX/XX/XXXX and the Statement Closing Date was XX/XX/XXXX. They should have reported my balance after the Statement Closing Date which would have given me a {$0.00} balance, not the {$220.00} balance that they reported. I had plenty of time to pay down my balance before the Statement Closing Date which I did. And it is normal to report AFTER the Statement Closing Date, not right in the middle of my payment cycle. The only reason they reported that balance on XX/XX/XXXX was because I requested a stop payment to XXXX because my records showed them charging me twice for something I ordered. They said they would do that for me and they did. But their normal procedure when it comes to an issue like that is that they totally stop and shut down the credit card and reissue another one. So because of that they went and reported the closed and reissued card along with the balance on that date which was XX/XX/XXXX. I filed a dispute with Huntington Bank and they told me that their records confirmed that their information for my account was accurate. I understand that they had to report the new card, but the balance they reported was right in the middle of my billing cycle. That was wrong. It brought down my credit score XXXX points. Please have them make the correction of the {$0.00} balance that I had at the end of my Statement Closing Date so that all the credit bureaus can restore the XXXX points that was wrongfully taken from me because of their mistake. Thank you.
Product: Debt collection

I received letter from Shellpoint mortgage on XXXX/XXXX/2021 about my mortgage loan account number XXXX that they resume reporting my discharged loan starting from XXXX XXXX2021 its against the law to report my discharged loan through chapter XXXX bankruptcy since these is not there first time that they attempted to collect a debt or intimidate a borrower I would like to be compensated for moral damages.
Product: Checking or savings account

When my Simple bank account transitioned to BBVA I lost access to my account. This was after being assured for months that we shouldnt run into any issues. I have tried calling BBVA three times now. The first time I was asked a verification question that there was no way I could answer- they asked when did a company last direct deposit into your account I have no idea. I have been freelancing for 5+ years and have payments deposited into my account in a variety of ways. The last time I worked for a company that had direct deposit was in XXXX so I provided that info only to be told that I had FAILED the verification process, then was hung up on. Another call and hour on hold and I get through to someone else, am able to get through the verification process XXXX suddenly they are happy to ask me other questions? ) but Im hung up on in the middle of it. Then again this morning I try calling, am on hold for almost an hour, and am hung up on before even reaching someone. This is absolutely insane. Over the past week I have already missed two major bill payments and have spent hours of time that I should be working dealing with this issue that just can not seem to be resolved. I would have no idea if my account was compromised to right now, if someone is making charges to it, nothing. This is extremely unsettling and seems illegal. I suddenly have zero access to my money after years of banking with Simple and not having a single issue. I am now hearing that I should just go to a branch to resolve the issue. I guess they forgot were still in a pandemic- and while I understand most people are now out and about, Im *actually* XXXX  right now and am waiting for XXXX test results. So Im gathering that my only option to access MY bank account, is to potentially with XXXX ( or at least some type of XXXX  that could be XXXX XXXX XXXX drive down to a bank?! I havent been inside a bank since I got Simple in 2016. Didnt ask for any of this, and cant believe how irresponsible BBVA has been with our money and our time.
Product: Credit reporting or other personal consumer reports

Hello, this account has been disputed to the reporting agency several times and with no avail. The agency has not properly investigated the negative item. Had a proper investigation occurred, the company would have found that this is a cancelled debt with a 1099-C, that has already been reconciled. Also the date showing is incorrect. This account should be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a $ XXXX revolving account with XXXX XXXX. Experian is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to Experian but they are not reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Vehicle loan or lease

XX/XX/year> Late payment XXXX Unknown I have repo fees on my account which were paid for if I didnt pay them then I wouldnt have my car right now so it makes no sense that I have repo fees still on my account
Product: Mortgage

We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balannce : {$410.00} XXXX XXXX XXXX Balannce {$390.00} XXXX XXXX Balance {$230.00} XXXX XXXX Balance {$580.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balannce {$0.00} XXXX XXXX Balannce {$0.00} XXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

I'm unaware of these debts!!! 
Jefferson Capital System XXXX {$1100.00} Jefferson Capital System XXXX {$710.00}. 
I didn't have the opportunity to dispute these debts. I never received proper notification!! If in fact you believe I was given proper notification, please provide the certified mail receipt with my name and signature. Look forward to hearing from someone soon. 
XXXX XXXX
Product: Mortgage

I requested to close my escrow account so I could pay my own taxes and insurance going back to XXXX of 2024. They told me to write an email requesting that my escrow account be closed and they will take care of it. After sending multiple emails and called the company over 30 times they still have not processed my request. They must give me a run around. Last time I spoke to a supervisor and he told me he would take care of it and would call me back. Of course he never called me back. This company must by making money off my escrow account as I can't find any other reason why they would not close it. Is very frustrating dealing with this company that should not be in business.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX  : Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you