23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent a payment to pay in full a group loan on XX/XX/XXXX after I got paid. They ( Nelnet ) didn't process it till the next day. The next day ( XX/XX/XXXX ) they charged interest to an already paid off loan group. 

I was on the phone for a total of an 1 hour and 18 minutes. Everyone I spoke to said they couldn't help me and NEVER sent me through to a supervisor. I spoke to 4 different people for each one I asked repeatedly to be sent to a supervisor. They would just put me on hold until someone else that worked with them picked up the phone ( that wasn't a supervisor ). The information that I could get out of all 4 was I made the payment to late in the day on the XX/XX/XXXX. One person said when I send in a payment it needed to paid before XXXX, another said I needed to pay before XXXX. This DOES not help out the working class at all! Most people get paid on the last day of the month and then they go home after work and begin taking care of financial things. There was one common thing all 4 said and that was there was nothing they could do for me. The entire situation is wrong. Someone SHOULD be able to help me with this situation, the workers at Nelnet SHOULD have transferred me to a supervisor, and this entire situation of charging a person interest after they paid off a loan is robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX/XXXX  XXXX  : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  USA : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported- XX/XX/16 Amount- {$1200.00} Reported For- Suspected Fraud Activity I was never informed/aware of this activity from Bank of America XXXX
Product: Credit card or prepaid card

A credit card was opened in my name from Truist bank with {$9200.00} past due balance. I did not open this line of credit or use the credit for purchases. It is fraudulent
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, TransUnion, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX  loan information and the legitimate interest each entity had in obtaining this information.
Product: Bank account or service

I would like to file a formal complaint with your office regarding extremely poor customer service I have received from your customer service department of Citi Priority. As well as your executive response unit with XXXX, who has not returned numerous calls and emails left at his office. 
XXXX I have been a loyal citibank client since 2007. I currently am a Citi Priority account holder, and have received extremely poor, horrible customer service regarding overdraft fees charged to my account. I am currently residing abroad in XXXX, and travel back and fourth to XXXX frequently. I was recently charged XXXX {$34.00} overdraft fees to my Citi Priority account, for insufficient funds. I have been expecting a payment from one of my clients, which unfortunately was delayed. 
XXXX I am very unhappy with the very poor, nasty and unprofessional customer service I have received from Citi Priority, regarding my request for both of these fees to be reversed. 
XXXX I also have tried to open a Citibank savings plus account, but my account has been closed, two days after opening it. this is extremely unprofesssional, and I am really unhappy of the very unprofessional, abusive, horrible service I have been receiving lately. I want this savings plus account ending in XXXX to be immediately reinstated, as it was closed about two days after it was opened. 

XXXX I would really appreciate a member of your staff to please follow up with me to please immediately remove the block from my savings plus account, and have the account ending in XXXX immediately reinstated. 
XXXX I have recently started a new career working for XXXX here in their XXXX headquarters of their XXXX offices. I am not sure if you offer any special promotional accounts or offers for XXXX employees, but if there might be any special programs available with Citibank for XXXX employees, I would greatly appreciate any additional information. 
XXXX Please accept my most sincere apologies in advance for having to be left with no other alternative but to contact your offices. I really appreciate and respect your time, and I look forward to receiving a follow up from a POLITE and PROFESSIONAL member of your executive response team, as I have not received any response to the numerous messages and emails left at XXXX Office. Extremely unprofessional, and terrible unresponsive service received from this representative in your XXXX. You should be ashamed at his very unprofessional, and terrible customer service and follow up skills.
Product: Debt collection

Outcome : I have a debt in my business name. All of the collection letters have been sent to my business. The collection company reported the debt to the XXXX reporting bureaus while I was refinancing my mortgage. My credit score dropped from XXXX to XXXX, costing me an additional {$10000.00} to close the loan. 


Details : I disputed the information with the XXXX credit bureaus. After a reported investigation, the credit bureaus notified me that information reported was validated by the collection agency. I closed on my loan and received a written letter from the collection agency that " they made a mistake '' and the debt did not personally belong to me. However, as indicated under the outcome, the erroneous reporting of the business debt to my personal credit report resulted in {$10000.00} plus in additional out of pocket expenses to close my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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

DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL ABOUT IM HAVING PROBLEM ISSUES WITH AND BUSINESS COMPANY GOES BY THE FIRM NAME OF CERTEGY PAYMENT SOLUTIONS LLC SO ASLO I CAN PROVIDE MORE IMFORMATION ABOUT THIS TYPE OF BUSINESS SO THIS BUSINESS PROVIDE CONSUMER REPORT REGUARDING FINANCIAL DATA FROM BANKS CHECK CASHING MERCHANT RETAILS STORE LOCATION LIKE XXXX XXXX XXXX CHECK CASHING SERVICES SO THE MAIN PROBLEM ISSUES IM HAVING WITH CERTEGY PAYMENT SOLUTIONS LLC SO THIS BUSINESS AGENCY PROVIDE CONSUMER FINANCIAL DATA TRANSACTION REGUARDING DECLINE CHECK CASHING FEES SERVICES SO I WAS RECENT TRIED TO CASH AND CHECK AT XXXX RETAIL STORE LOCATION IN MY LOCAL AREA SO THE CHECK ENCLOSE WAS ISSUE FROM UNITED STATES POSTAL SERVICES CHECK DATE ISSUE XX/XX/2020 CHECK AMOUNT {$31.00} CENTS BANK NAME LOGO ISSUES CHECK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX ZIPCODE CHECK ENCLOSE WAS MAIL FROM UNITED STATES POSTAL SERVICES LOCATION XXXX MN XXXX ZIPCODE CHECK VOID AFTER ONE YEAR TREASURER SIGNATURE XXXX XXXX SO I HAVE BEEN HAVING SOME DELAY PROBLEM ISSUE WITH THIS BUSINESS CORRECTION MY CONSUMER CREDIT REPORTING FILES IN THERE COMPUTER SYSTEMS SO EVERYTIME I TRIED TO CASH CHECK AT XXXX STORE LOCATION CERTEGY PAYMENT SOLUTIONS LLC ALLWAYS DENIED CHECK FOR WHAT REASON I CURRENT DONT KNOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as USAA # XXXX {$10000.00} XXXX XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!
Product: Mortgage

Loancare did not respond to my request to remove PMI in a timely manner, thus charging me additional months of PMI. I submitted the request on XX/XX/XXXX and received an automated email with confirmation and that I would receive a response in 10 business days. I did not hear a response and XXXX, I contacted customer service. When I finally got in touch with a representative, she confirmed that the request was pending, our conversation was cut short because the call was disconnected ( she hung up on me ) and I did not receive a call back. Due tot he amount of time it took to get through the automated system and to a person, I could n't spend 30 minutes trying to call back. I assumed that since the agent had confirmed the request was there, it would be removed. On XX/XX/XXXX, I called back and reached an agent who told me that they will not remove PMI until they have 12 months of payment history. This was not disclosed when I opened the loan. I asked to speak to a manager and was told all are busy. I could get a call back in 24-48 hours. The whole operation seems designed to not allow you to talk to anyone. Trying to contact customer service is frustrating - their automated phone system seems designed to make it very difficult to route to an actual representative. If you enter in XXXX invalid options, the system hangs up on you.
Product: Student loan

i have been making payments since 2013. I qualify for Public Service Loan Forgiveness because i work for XXXX XXXX XXXX XXXX. i have tried to call aid advantage but they are closed. i am on XXXX XXXX so they are unable to answer my calls. online they are showing that my loans are in forbearance/deferment?. this is a surprise to me because i have been making payments since 2013. i am also in a income driven repayment plan but i have not been in forbearance. i have been having issue ever since my loans were moved from XXXX to aidvantage.
Product: Credit reporting or other personal consumer reports

I have disputed an XXXX account/tradeline on dozens of occasions with Equifax ( see : XXXX ). IN particular I have disputed a date of first delinquency that reports two ( 2 ) years AFTER the date it should. While the subject of this dispute is no the unlawful charge-off of the account, it should be noted that the Date of Default alleged by XXXX was on or around XX/XX/XXXX and the account was alleged to have been charged-off on XXXX XX/XX/XXXX. Yet, Equifax continues to report the Date of First Delinquency ( DoFD ), aka the date of default, as XX/XX/XXXX. This is a non-causal date as the DoFD must precede the charge-off. Clearly, it does not. I have disputed an unrelated account with Equifax ( see : CFPB Complaint XXXX ). I have observed that in disputing the account the latest response from XXXX states " THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, [... ], DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, [... ], ACCOUNT HISTORY '' So it is not the case hat Equifax is incapable of transmitting disputes involving the DoFD, it's that they will not do it for the XXXX account. It's pretty clear Equifax is neither implementing reasonable meausres in response to disputes, nor is conducting reinvestigations that ensure maximum possible accuracy. The Date of First Delinquency reported for the account is PATENTLY INCORRECT.
Product: Credit reporting

Overview of Problem -- -- -- -- -- -- -- -- -- - Despite providing clear and convincing evidence that proves beyond any doubt that I paid a lien in XXXX XXXX, TransUnion will not change my credit report to reflect the correct payment date. 


Details -- -- -- - I paid a State Department of Revenue ( SDOR ) state tax lien in full XXXX XXXX. 

The SDOR failed to report the payment to the County Superior Court ( CSC ) for recording until XXXX XXXX, over 2 years late. 

Because the CSC records the release date as the date the SDOR transmits the information, the public record reports the release date as XXXX XXXX. 

After the release was filed in XXXX XXXX, I requested the CSC record a corrected document stating the proper release date of XXXX XXXX. 

The CSC would not record a corrected release, so I requested help from the SDOR commissioner in correcting this error. The SDOR was successful in getting the CSC to add a notation to the official record that the payment was made in XXXX XXXX, but the CSC still would not refile the release with the correct date. 

I submitted a request to TransUnion that this be changed on my credit report. The result stated that the item was reporting correctly and thus was not removed. The notation made by the CSC was evidently not enough proof. 

In XXXX, I wrote to the new SDOR commissioner. This resulted in the local XXXX providing a signed letter stating that the improper recording date was not my fault, and that I paid the full amount in XXXX XXXX. 

I again submitted a dispute to TransUnion. TransUnion responded again that the item was reporting correctly. The letter from SDOR, the creditor, stating the correct payment date was not accepted as proof of the release date. 

To recap, the CSC may be the reporting agency, but they are NOT the party to which the money was owed. In the mind of the CSC, they are reporting the item correctly. However, the party to which the money was owed, the SDOR, confirms payment was made in full in XXXX XXXX. The SDOR also acknowledges it did not transmit the payoff information to the County Superior Court ( CSC ) in a timely manner for recording. In fact, it was over 2 years late. 

Therefore, this item 's payment date should be reflected correctly on my credit report. If so, it will be well past the seven year threshold for removal. 

Companies that wield as much power over consumers as does TransUnion should be held to an extremely high standard. In my opinion, the company falls well below such a standard. They have not gone beyond a cursory check of public records to examine the evidence I 've provided and report this item correctly in my credit file. This practice is resulting in derogatory information on my credit report which should not be included. 

The SDOR has attempted to help me twice to correct their error. I want TransUnion to do the right thing and correct my report. 

Documents uploaded for reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) Official check for payment 2 ) 'Release of State Tax Execution ' updated with correct payment date 3 ) Letter from SDOR stating correct payment date
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.
Product: Credit reporting

XXXX XXXX XXXX Court House and XXXX XXXX XXXX XXXX XXXX told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Experian keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.
Product: Mortgage

XXXX License # XXXX ; XXXX NMLS # XXXX denied my loan due to me having XXXX credit score that reached requirements and the other did not she chose the credit score that was the lowest. Along with discriminatory remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

on XXXX17 at XXXX I called the collection agency to inquire about my debt that XXXX XXXX XXXX ( XXXX ) had handed over to them. I was transferred to XXXX, who is in charge of my account, I asked how much I owed, what my payment options are, and if I could n't settle the debt for less. When I could not afford the {$300.00} plus monthly payment XXXX XXXX tone with me became extremely condescending and she hung up on me. 
I called back around XXXX XXXX and asked to speak with a Supervisor and was transferred to XXXX, to make him aware of how XXXX treated me, XXXX went over my debt with me and I asked if he could inquire with XXXX about settling for less, XXXX XXXX tone became very volatile and he stated " that 's not going to happen, I 'm not going to do that '' he also said he 's been down this road for year and it 's a " state thing '' and was inquiring where I went to college and if I work or when i 'm getting my degree, he ended up hanging up on me, but before he did he said " i 'm hanging up on you now '' I said, " yes, this is the same treatment I got from XXXX ''
Product: Debt collection

There is a account on my credit for XXXX XXXX opened XXXX for {$210.00}. I have never received information on the debt and have tried to dispute through my credit asking for validation including information proving I opened the account but they never send me anything they just validate and keep it on my credit. I have been trying for almost 5 years to get it removed or validation. At this point I want it removed as I feel my rights have been violated by them not providing proof that I opened this account and that I owe it.
Product: Debt collection

Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late
Product: Credit reporting or other personal consumer reports

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX accountXXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX Equifax : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the three reports. I am aware all reporting has to correct and accurate at all times
Product: Payday loan, title loan, or personal loan

I have requested to received a relief plan as well as notice of increased expenses where I can not make the payments for the next few months and I am still received additional interest and fees that are not being waived during a time of increased cost of living. I have also sent my bank statements to reflect where my income is going -- basic necessities such as housing, car needs and groceries. I am requesting assistance on a decreased plan and for the interest to be removed during this difficulty time. This has the potential to weaken my credit and cost of living.