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

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX-2025 XXXX Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my XXXX credit report. Upon reviewing my report, I noticed an error in the reporting of my Capital One account ( Account Number : XXXX ). 
The report incorrectly states that my account was closed at the credit grantors request. However, I did not request the closure of this account, and this is an inaccurate representation of my account history. Additionally, the balance reporting and credit usage percentage may be outdated, as my last payment on XX/XX/scrub> 2025, should reflect a lower balance than what is currently listed. 

I am requesting that XXXX correct this inaccuracy and update my report accordingly. I have attached relevant documentation to support my claim. Please investigate this matter and provide me with a written confirmation of the correction or an explanation of your findings. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any updates as soon as possible. 
Sincerely, XXXX XXXX
Product: Debt collection

I am filing a complaint on behalf of my sister. She has a medical condition and is on XXXX. She has always been on XXXX in her adult life. What I am now learning is she had credit cards, used them in excess. She owed a large amount of money to a debt collector. 

In fact, now that I have been monitoring her spending, a debt collector is automatically getting money each month from her bank account. 


I am in agreement, my sister never should have been issued credit cards. Even after she was in a debt, XXXX sent her new credit cards. She still wanted to use them because she did not understand how she obtained the debt. Can a debt collector, collect money from her as her income is XXXX income? 


My sister is now in a XXXX home. Can the company continue to collect on her debt? I have called them, but they will not speak with me anymore. They want my sisters signature which we sent, even though it is not a legible signature at this time. The company said they did not have the letter.
Product: Credit card or prepaid card

I have received a XXXX debit card from " Lending Club '' which from my understanding is linked to a loan line. I have never requested any loans or cards from this company. I have tried contacting their Costumer Service number, but their operation hours are limited and I couldn't reach anyone. They also do not list a " fraud department '' or XXXX number for complaints related to fraudulent activity.
Product: Student loan

Every time I try to login to my Nelnet loan provider account to make payments it doesn't recognize my username and password ( even though this is saved via XXXX passwords ). 

There are also several usability issues with the site which make it difficult to access my account. 

The biggest issue is when I try to reach out to the customer support to get the issue fixed and access my account, it is blocked by an XXXX XXXX XXXX There is no email contact I can use to reach out. Only a phone number which is currently inaccessible to me. 

When I select that I want to speak to an agent option when using the chat bot it then takes me in a circle and never let 's me proceed to speak to an agent. 

Nelnets digital service is set up in such a way that it makes it challenging and places an additional burden on the customer to fix issues with logging in every time I need to make a payment. This causes issues as I have to go through a lengthy process to fix and figure out how to login each time before having access to make payments or view my loan balance.
Product: Checking or savings account

In XX/XX/XXXX I opened a business checking account at Bank of America because of the promotion they were running : https : //promo.bankofamerica.com/businesschecking/SBDDA.html # waysToAvoidBFA The terms of the promotion are : [ [ To earn the {$500.00} bonus : Open a Bank of America business checking account by XX/XX/XXXX. Make at least {$20000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening. Qualifying Deposits are deposits of funds into your new small business checking account that are new to Bank of America. A transfer done via ATM, online or teller, or a transfer from a Bank of America deposit account or brokerage accounts, such as XXXX XXXX or XXXX XXXX account, is not a Qualifying Deposit. 

Make ten ( 10 ) Qualifying Electronic Payments within 60 days of opening that new business checking account. Qualifying Electronic Payments include, debit card, online bill pay, or ACH transactions, wire transfers or XXXX payments ( starting/available in XXXX ). ] ] I met the promotion requirements but never received {$500.00} bonus. I contacted bank of america customer service multiple times regarding this issue, but as of today, still hasn't received the bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts/ information listed below to XXXX and Transunion reporting agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 Transunion has responded stating the information was verified and XX/XX/2023 XXXX responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of XXXX 's and Transunion 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with Transunion and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against Transunion and XXXX to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as Transunion 's response.
Product: Mortgage

On XX/XX/2021 made call to our present mortgage company, New Rez Mortgage, in order to refinance our present mortgage to a lower interest rate. 
XXXX XXXX XXXX # XXXX was the represantive. 
XXXX quoted a interest rate of 2.875 % with no discount points. These rates thru paper work were said to be locked until XX/XX/2021. 
Now New Rez wants to keep the same rate but wants to charge a discount points of 1.375 %. This results in a extra closing cost of {$4000.00} I discussed this with XXXX today ( XX/XX/2021 ) per phone call and she stated that it was my fault for not submitting needed paper work within 2 weeks of initial call. 
I find this very hard to believe since I am retired with plenty of time to work on submitting documents if needed. Secondly, the reason I wanted to refinance with my present mortgage company even though the rates were higher was to complete the process as soon as possible. Now it has been 3 months and still no refinance. 
I am wondering if New Rez is doing this on purpose. I do not know if they are are not. However I wonder if others are having the same issue.
Product: Credit card or prepaid card

Midland - Asset Acceptance, the collection company says I opened a XXXX XXXX credit card in 2006 which I did not. they are are now garnishing my wages and say I owe them over $ XXXX - they can't tell how much it was originally opened for. they have levied my checking acct in the past. I have asked for YEARS to have any kind of proof that i opened it and they have none. They say the burden of proof is on me and I have to file a fraud report. I NEED help. I didn't open this and my credit was bad at the time - no one would have given me a cc for a big amount.
Product: Mortgage

On XX/XX/year> I received my closing disclosures from rocket mortgage that I purchased on XX/XX/year>. From the get-go, the paperwork for rocket mortgage was not handled correctly. For example I was supposed to receive the paperwork for closing XXXX days before my closing. I received it the night before I closed. ( XXXX ) On XX/XX/year> I went in and signed my mortgage documents at that time. I hadnt realized that there was fraud and theft enclosed in that document, however after receiving my mortgage paperwork in the mail after XX/XX/year> I took my disclosure paperwork for my mortgage and my mortgage paperwork that I signed and realized that what I had agreed to buy was not what I received. If you request these XXXX documents from rocket mortgage company, you will see that I was scheduled to buy another section of land with my property, however, the mortgage paperwork changed for some reason without being updated on XX/XX/XXXX. I signed the paperwork and did not realize that there was fraud and theft in there. Again, if you look at my appraisal and the disclosure paperwork that youre supposed to receive XXXX days before and my mortgage, you will see that they dont match and they are supposed to. I am paying for something I didnt receive and I brought it to rocket mortgages attention shortly after XX/XX/year>. We discussed the issue for over a year with no resolve. Ive been living knowing that rocket mortgage is making me pay for something that I didnt receive, and that is fraud and theft. My taxes are supposed to match my mortgage and they dont. Im paying way more than Im supposed to and I have no idea why. Because of this issue, Im constantly having issues with my escrow, which is not supposed to be an issue. Ive owned houses in the past and Ive never had issues with escrow. My mortgage is a fixed rate however my mortgage payment goes up and down. This is fraud too. Im supposed to pay an exact amount because its a fixed rate ( XXXX ) and it hasnt stayed the same. I dont have a variable rate. 

The basis of my complaint is that Rocket Mortgage knew that what I had agreed to buy, wasnt what I received and that is fraud and theft because Im paying for it and didnt receive it and Rocket Mortgage is aware of it. Theres documents to prove that this has happened. You just need to request the right documents and line them up. Everything should match, but it doesnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated the fair credit reporting act. Information attached.
Product: Checking or savings account

Hi good day last week XX/XX/2023 my wife called me cause shes ready to go to hospital cause she thinks XXXX XXXX XXXX XXXX XXXX so i drive from to our house and get ready to leave to hospital. 
Now while talking to the doctor in XXXX XXXX my girlfriend told me that i need to withdraw all the money.. 
so yeah i try to log in my account and i put the wrong email for 2 times.. then suddenly i remeber and ask for help through the app.. 
and i login.. 
now im trying to trasnfer my money back to where i send like its external link account.. and its says there im locked so i called theyre customer service asking them why im lock and they told me that they couldnt verify me brcause i had a wrong number that they cant send me the one time pin code. I told them that im not using that number anymore cause i change my phone number with a newone 2 years ago and i dont know what or where i put that sim.. so they said that they couldnt rxplain anymore details something like that. And i was confused that day and called again samething happen.. and called the next day some agent told me that ask them to remove the restrictions. And i told them about it.. and its just so wrong timing cause XXXX agent told me that its on a review.. that they cant do anything about but just wait.. so i waited.. 2 days later i called again asking them how to transfer or the other way just to get my money back and they told me is the only way is to close the account and they told me that thursday XXXX XXXX and i said okay lets close the account and they said that once the account is closed the money will just go back directly to where i send which is my bank.. so i waited 3 days cause some agents said 3 days some 7 days some 10 days.. ( a lot of wrong information ) .. so today XX/XX/XXXX i called again cause i need the money cause my girlfriend has XXXX XXXX and my daughter is in XXXX XXXX XXXX XXXX so to me i need that money to pay for hospital bills thats my purpose i put it there.. 
I called twice today and one agent said that because she cant verify me she only saying that i dant give you details and more information, like im a complete stranger that rven why they cant answer like i put my money there and now im an outcast.. 

And the other agent tried his best and told me that give them a call 3 days from today so friday.. ( they said this last week too ) anyway i ask for the case number i dint know if you guys would need it.. but yeah i have it. 

I was reading last time the internet like reviews and complaints.. i read a lot same my situation how bad and slow and not good this company.. i tried to be patient its just the money that i put in my savings account is needed in emergeny.. i read a lot that same i have experience like they dont accept ID or verify it no emails and they always to give you the code on an old phone number that j have no acces.. i tried alternative phone njmber i give them my girlfriend phone number and same thing no code. Its like a joke..

I hope you guys can help me.

I have no job roght now cause im taking care of my family. Im just a average person trying to survive right now..
Product: Debt collection

I have been disputing this debt almost close to a year with all XXXX bureaus. XXXX to be exact had officially deleted this debt collector XXXX since XXXX of this year. As of XX/XX/XXXX both XXXX and XXXX have added this old and charged off debt with XXXX XXXX XXXX back on my credit report. I have submitted letters to both companies requesting proper validation and proof of the charge off and to no avail my request have been respected and or even honored. I am vehemently making my complaint for improper reporting on both XXXX, XXXX, and Resurgent ( who as of recently has mailed me correspondence on the same inaccurate debt ) I have enclosed XXXX of my many letters dated back XX/XX/2023, proof of it just being added back to my credit report without proper investigation from XXXX.
Product: Consumer Loan

This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because XXXX is continuing to report my credit card utilization despite my explicit instructions to opt out of such reporting. This unauthorized reporting is negatively impacting my credit score. I have requested XXXX to stop reporting this information, but they have refused to comply. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple hard inquires on my credit report that I did not authorize. Ive recently put a freeze on all 3 credit reports because my information has been used to apply for auto loans, cash loans, credit cards, etc without my consent. The Credit Bureaus ( XXXX, XXXX, TransUnion ) are neglecting to address and verify the inquires properly. Ive tried contacting the creditors and they all informed to me directly dispute with the credit bureaus however they are not willing to work with me. The representatives have been very rude and some have even hung up on me. This has been an extremely stressful experience and I just really want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX formerly XXXX XXXX. I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my XXXX is XX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.
Product: Student loan

I have federal student loans. Mohela is now my loan servicer. I am on an income driven repayment ( IDR ) plan. 

Mohela has incorrectly identified my IDR recertification deadline and has failed to correct it despite telling me they would do so. 

In XX/XX/XXXX, I noticed on my Mohela homepage that they said I needed to submit a IDR recertification by XX/XX/XXXX for a recertification deadline of XX/XX/XXXX. However, this is incorrect. According to XXXX, anyone with a recertification date prior to XX/XX/XXXX should have their recertification deadline pushed out by one year. You can see this at https : XXXX, under " When do I have to recertify my IDR plan? ", where they state the following : " The earliest you could be required to recertify is XX/XX/XXXX. On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' On XX/XX/XXXX, I called and spoke with a Mohela representative. After an hour on the phone, and after discussion with their supervisor, the representative agreed that I was correct that my IDR recertification date was incorrect and should be pushed out by a year. They told me that they ( Mohela ) were still in the process of updating IDR recertification dates and to " be patient '' and wait and that mine would be updated prior to the upcoming deadline. They told me at that time that I did NOT need to recertify. 

I also contacted Mohela via XXXX on XX/XX/XXXX and have not yet received any acknowledgement or response. I did receive a response from @ XXXX on XXXX, confirming that I was correct. I contacted Mohela on XXXX again on XX/XX/XXXX. 

I also submitted a request to my local congresswoman for support, but have not yet received a response. 

My account has yet to be updated with the correct IDR recertification date. On my Mohela homepage, it currently says that I am overdue to recertify my IDR plan and that my next payment ( due XX/XX/XXXX ) will be on the standard payment plan rather than IDR, which is a dramatically higher payment. This directly contradicts the instructions from the federal government, as I outlined above, and also contradicts what I was told by a Mohela representative.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and was disappointed with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Product: Credit card or prepaid card

This is absurd because I have consistently made timely payments on this account and have never been overdue.
Product: Debt or credit management

They said that I had a {$3000.00} bill to XXXX XXXX XXXX XXXX for XXXX miles for XXXX XXXX XXXX that they got from XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX is the address. They never did their due diligence and seeing if I have XXXX and I do have XXXX always had it. I've had it since I've been XXXX this is a very sad situation plus I don't know who's telling about my XXXX XXXX XXXX XXXX XXXX XXXX but that's wrong too
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or unverifiable information, and I request that the following item ( s ) be investigated and removed from my credit profile if found to be inaccurate. 

This information is incorrect for the following reason ( s ) : My collections has been resolved but still remains in my report. 

Under the FCRA, the credit bureau must investigate this dispute within 30 days. If the source of the information can not verify its accuracy, it must be removed from my credit file. I have attached copies of supporting documents [ if available ] to help with the investigation. 

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report reflecting any changes made. If you determine that the information is accurate, I request that you provide me with documentation supporting your findings. 

Thank you for your prompt attention to this matter. Please contact me at the information above if you need any further details. 

Sincerely, XXXX XXXX