23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal XXXX XXXX loans were serviced by Great Lakes that became Nelnet. When the the Federal laws changed regarding loan forgiveness during the pandemic I called Nelnet to apply for forgiveness ( XXXX XXXXXXXX ) as a XXXX XXXX XXXX for 18 plus consecutive years. I paid on the loans from XXXX until I requested forgiveness in XX/XX/XXXX consistently via electronic payment. I did not request any relief during the pandemic from loan payments. My loans were paid in full as of XX/XX/XXXX. I made more than the amount of the qualifying payments ( 10 years ) while consistently employed by XXXX. I requested the refunded amounts ( since the start of the forgiveness process ) of overpayment ( beyond the 10 years of payments ) and/or pandemic period amounts paid ( march 2020-Nov 2021 ) several times from Nelnet, who consistently tell me to call other entities, Department of education, XXXX and now XXXX who did not service my loans. Department of education has record of the loans but XXXX did not service them and does not have any records. Most recently Nelnet told me its too late now to make any request when they have consistently directed me to call elsewhere ( XXXX who again doesn't have any record of servicing my loans ) to make the request. I was also told the correct entity was XXXX that doesn't exist anymore who I also called over the two year span for a refund. Under the federal rules I was to be contacted by a servicer or guarantor on how to request a refund and was never sent the information. I want the refund in loan payments I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Product: Credit reporting or other personal consumer reports

XXXX Inquires never requested by me. Letter Sent to XXXX XXXX XXXX XXXX for removal still not successful. XXXX XXXX, my car was sold and paid in full with XXXX balance still shows a negative remark and balance and looks like its credit and not a car loan. Needs to be removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am XXXX   XXXX the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries without my consent and knowledge fraudulently 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding its failure to properly investigate multiple disputes I have submitted related to inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my repeated attempts to communicate and provide evidence supporting my claims, Experian has consistently responded within 24 hours stating that the accounts in question are accurate. These responses lacked sufficient evidence of a thorough investigation into my disputes, thereby failing to comply with the FCRAs mandate for reasonable investigations. In addition to violating the FCRA, I believe that Experian 's practices may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been underscored by the CFPB in recent administrative proceedings, which scrutinize the adequacy of investigations conducted by consumer reporting agencies. These are the following accounts XXXX XXXX XXXX  ( reported twice on credit report ) XXXX XXXXXXXX XXXX XXXX ( reported twice on credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, Volkswagen contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint withoit error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX PT, I called Equifax and spoke to XXXX at Equifax . I asked that the incorrect addresses and employers be removed from my consumer credit file. I was given confirmation number XXXX. 

I have attempted to have Equifax correct their reporting of information on my credit report. I did not give written permission to Equifax to report my personal information to anyone. Would the reporting and selling of my personal information without consent considered theft of identity? Even after advising Equifax of incorrect information, they willfully ignore my requests and also purposefully update my home address incorrectly. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX Acct No. XXXX 2. XXXX XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX XXXX Acct No. XXXX 4. XXXX Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX Equifax has refused to provide weekly credit reports due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that Equifax and XXXX have me in collection due to an account from XXXX  with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from XXXX XXXX after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I notified Citi of fraud on my account. They issued a new card and allowed charges which included more fraud to roll onto the new card #. They admitted their error and issued me another card, which I have frozen. I have called them times out of mind regarding all the fraudulent charges made ( XXXX ). I paid the balance I owed as of XX/XX/XXXX. Citi sent me numerous requests to fill out forms stating I didnt authorize the XXXX charges. I responded immediately each time. Now, this has been going on for 2 months. Theyre requesting that I make a payment. One of their employees suggested I pay the amount due ( close to {$700.00} ) and then wait to be reimbursed when everything settles. Needless to say, I said I refuse to do that inasmuch as these are fraudulent charges. I continue to get numerous calls, letters and emails regarding the payment theyre requesting. I have never had this issue with any credit card company. I told them that I am a senior citizen, XXXX years old, and I feel Im being harassed. I stated I have been with Citi since XXXX and have always paid my balance in full and ahead of the due date. My credit score is XXXX. I am afraid that this is going to have a negative impact on my credit. All the communications were over the phone, which are supposedly recorded on their end. I have spoken with every department including customer service, disputes and fraud. Two months later, I have no resolve. I feel the public needs to know how Citi treats their clients its pitiful and harassing. I pray I can get some help through this site.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Debt collection

I owed money to XXXX XXXX XXXX and XXXX XXXX XXXX sent the past due account to CBE Group for collection. 

I settled the XXXX XXXX XXXX debt with CBE Group on XXXX XXXX, 2015 for {$150.00} and I have a receipt to that effect. 

At the time I made the payment CBE Group promised me that they would promptly clear the debt with the credit bureaus, but they did not. 

On XXXX XXXX, 2015, I was buying a car, and I was told by the manager at the automobile dealership that my credit report showed I have an unpaid debt to XXXX XXXX XXXX. 

The outstanding debt on my credit report is the debt I settled with CBE Group in XXXX 2015. 

The following day, XXXX XXXX, 2015, I telephoned CBE Group and asked them to promptly resolve the reporting issue with the credit bureaus and to provide me with a letter after they had done so. 

CBE Group said that they would " take care of it. " I asked how long it would take before I received the letter and I was told I would receive it within two weeks time. 

Today, XXXX XXXX, 2015, more than three weeks later, I still have not received the letter and so I again called CBE Group and again I was told that they would " take care of it. " When I pressed the issue why they had n't taken care of it in XXXX, or within the last three weeks, I was then told that the letter has already now been sent via email. 

When I asked why I have n't received the email their answer was that I would be receiving it in 24-48 hours, but we all know email is sent and received in an instant, and I do not accept CBE Group 's answer that the letter was already sent but I wo n't be receiving it for another 24-48 hours. 

It is an insult to my intelligence. 

I no longer trust CBE Group because they did not do the necessary reporting to the credit bureaus in XXXX, nor did they do it within the last three weeks, and I do not believe they will ever do it without government oversight. 

I feel like CBE Group stole my money because they did not do what they are obligated to do, which is report that a debt has been paid when it has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the three credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts XXXX XXXX
Product: Debt collection

I have requested an itemized documentation from this company for serval months ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX ). Creditor Bureau Associates will not respond to any request as I have sent Certified mail but continues to report to all ( XXXX ) Credit Bureaus monthly. The agency has currently added an additional account to my credit report which is duplicative to the ( 2 ) original accounts after several moments. Correspondence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$9000.00} ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXXXXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$980.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( XXXX, Experian, and XXXX ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on XXXX report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from XXXX and can not access my report online without having to become a member.
Product: Credit reporting or other personal consumer reports

I been trying to update my correct address and they wont let me dispute correct information. Who ever is reporting my address is reporting it in error and experiencing refuse to update it even with my proof my drivers license, my XXXX bill, my insurance bill.
Product: Debt collection

Debt from XXXX for Tempoe LLC was purchased by XXXX and XXXX XXXX. XXXXXXXX XXXX XXXXXXXX added a new credit line on my credit report dated XXXX. XXXX was included in an action lawsuit and advised to release consumers from existing lease agreements and then sold my account to XXXXXXXX XXXX XXXXXXXX. I have disputed this 3 times in the last 6 months and it still has not been removed.