23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX   Issue : Seeking a refund from Bitexpress which held XXXX I deposited on XX/XX/XXXX. This is their process for first time users to protect against fraud as well as simply being a first time user. 

Timeline : XX/XX/XXXX deposited XXXX as instructed from XXXX XXXX to buy a vehicle. Bitexpress allows bitcoin purchase.

They hold money for first time users of their machine to evaluate if a Fraud is detected, which I had no problem with of course.

I talked to a person only 1 time via the phone number that is text only XXXX XXXX XXXX which she said I will be refunded the money ... never told me when. 
Since then I call and call and the XXXX subscriber voice mail keeps saying no one is available I have since then text since the XXXX XXXX XXXX   is text only from Bitexpress XX/XX/XXXX sent my first text ... response ... we will call you shortly which 1.5hrs later after I text again a lady called XX/XX/XXXX I Text again twice ... response is Our team is working on your refund as quickly as possible. You will be notified through text once the check is sent out ... .I asked for a call back and no further response XX/XX/XXXX sent another Text asking why have no one responded ... .No response XX/XX/XXXX same thing XX/XX/XXXX same thing XX/XX/XXXX ... I get a Text ... Terribly sorry for the delay. The refund is already in process and you will receive a text message from us once it is sent out. 
XX/XX/XXXX I text asking if it has been sent out yet ... .no response XX/XX/XXXX I text asking if it has been sent out ... no response XX/XX/XXXX same thing I have my receipts from my Bank withdrawing the Money as well as the receipt from BitExpress
Product: Debt collection

Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.
Product: Mortgage

Two issues : 1. misapplying funds allocated for escrow 2. reported late payments after agreeing to forebearance due to loss of income due to Covid 19 PHH mortgage I have made two payments marked to be allocated to my escrow balance. Both payments were applied to my principal balance. Futhermore, this company repeatedly fails to allocate funds as indicated by the mortgagee. 

In XXXX of XXXX, I called to report a loss of income to PHH due to temporary job loss due to Covid 19 related layoffs. PHH agreed to forgo payments for a period of time ( 6 months ) but reported my payments as 30 days past due in consecutive months XX/XX/XXXX  and XX/XX/ to the credit bureaus. I disputed with the credit bureaus but PHH did not correct the misinformation.
Product: Student loan

I have two pending Borrowers ' defense applications that are being reviewed. I also have loans for graduate school that are not related to the borrower 's defense. I have asked Aidvantage to separate my consolidated loans so that I can start making payments on my graduate school loans. It has been a month with no response. I have also contacted the Department of Student Aid. The Department of Student Aid has also advised that they have not received a response from Aidvantage now adding an additional 15 days. Loans are now incurring interest and I am to make payment on those loans.
Product: Debt collection

Capital One denied speaking to me when I have voice recordings of me speaking to a rep who advised that the late payments would be dropped since I'm experiencing financial difficulties due to Covid-19. Capital One referenced a bankruptcy in the previous complaint which is irrelevant information and only ployed in the response to try to justify character of default. In response I have submitted documents showing that Capital One has also been affected by the pandemic and had to close down most of the brick and mortar 's to compensate for today 's economy which is why they should further understand the position that I am in. Making me go through great measures to obtain Covid-19 protected status should not be as I am a loyal customer. Capital One has also been affected by XXXX this year resulting in XXXX customers data breach the company has also lost {$190.00} XXXX in revenue as Capital One it's self is going through Covid-19 hardship in 2023. Last year Capital One did the same thing and inaccurately negatively affected my credit even though I spoke to a rep, after going through great measures Capital One admitted to the wrong doings and ultimately removed the late payments.I am not sure if Capital One is unable to see my records of speaking to them because of a data breach but the late payments need to be removed as per their Covid-19 protocol service should be fair across the board if not then it can be viewed as discrimation which is a violation of my customer rights per ECOA Regulation B is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments.
Product: Credit reporting or other personal consumer reports

This complaint concerns Nelnets inaccurate reporting of my consolidated student loan, which has significantly impacted my credit profile. After consolidating my student loans in XX/XX/XXXX, Nelnet initially reported the debt as two separate loans but later combined them into one, creating material inaccuracies. I seek the correction of my credit reports to accurately reflect my student loan history and amounts. 

I have received Nelnet 's response to the initial CFPB complaint regarding the Department of Education consolidation account opened on XX/XX/XXXX. However, Nelnet 's response materially failed to acknowledge the issues detailed in the complaint and subsequently failed to resolve the matter. It is now apparent that Nelnet has elected to dismiss the material inaccuracies brought to its attention. Despite a series of failed disputes filed with the CRAs and with Nelnet directly, Nelnet has maintained an unlawful inaction to correct the errors. The issues outlined in the complaint, coupled with the supporting documents highlighting the specific errors, can not make the errors any clearer. With all involved parties included in this complaint, there is no excuse for Nelnet or the CRAs to continue placing the responsibility to correct known errors on the other party. Because Nelnet continues to abdicate its duties under the FCRA, I have resubmitted this complaint as a last resort before seeking legal action. I have the right to a complete and accurate report, and as long as the errors described in the complaint remain, Nelnet remains liable. 

After completing my XXXX XXXX from XXXX University in XXXX, I refinanced my student loans in XX/XX/XXXX. Nelnet, the data furnisher and federal student loan servicer, managed the loan consolidation process, resulting in a total consolidated loan amount of {$210000.00}. Nelnet confirmed the consolidation and began reporting the debt as two separate loans on my credit profile : {$30000.00} ( subsidized ) and {$180000.00} ( unsubsidized ). 

From XX/XX/XXXX to XX/XX/XXXX, Nelnet reported these as two distinct loans. However, in XX/XX/XXXX, Nelnet changed this reporting, deleting the {$180000.00} loan from my credit reports and increasing the balance of the {$30000.00} loan to {$210000.00}. Despite an established 18-month account history, Nelnet made no effort to address the reporting inaccuracies caused by this change. 

As a result, my credit profile inaccurately represents my loan history and falsely presents me as a higher-risk consumer due to the perceived incurrence of significant new debt in the past 12 months. Despite my disputes, Nelnet and the credit reporting agencies ( CRAs ) have failed to correct these inaccuracies as required by law. 

I request a swift resolution, including the complete updating of my student loan account to accurately reflect the loan history and amounts. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a cancellation of debt form from Cavalry SPV I LLC. The address listed is an Arizona address ; I have never established residency in that state. Also the name has been transposed on the account with the last name first, which was my maiden name that I have not used in over 7 years.
Product: Debt collection

The debt I have with this company rise credit was taken online over 2yrs ago.The amount of XXXX is not the amount owed. These are interest rates that theyve added on to collect more money.They continue to call and send me letters about this debt which theyve also sold my information to debt collection agency. This is violating my Hippa rights as a consumer.
Product: Debt collection

I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, XXXX, and XXXX consistently responds within 24 hours stating that the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation Account names I am requesting to be removed 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 consumer reporting agency never had a permissible purpose Under 1681 b ( 2 ) to furnish anything on my consumer report. I never consented to this report in the first place. Under 15 USC 1681a ( 3 ), the consumer reporting agency assumed this role without permission, not only that, you did not have consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). The consumer reporting agency did not exercise their grave responsibility, they were unfair and partial. I am demanding this account be suppressed immediately from my consumer report : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Amount : {$35000.00}
Product: Student loan

They would n't let me do an forbearance on my loan. I end up paying just the interest On the account but now that I 'm paying it every time. I check it 's not going down it 's actually Increasing by dollars every month. I do n't understand if I 'm paying it why is it going up and not down.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FCRA Violation credit card payment never late XXXX XXXX XXXX XXXX  FCRA Violation collection not mine XXXX XXXX XXXX FCRA Violation other accounts payments never late XXXX  XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Within the past few weeks, I have received notifications of a debt attempting to be collected from a company called XXXXXXXX XXXX XXXX XXXX  I have no idea who this company is. I have not communicated with this company. I have been a victim of the Equifax breach and I did place a fraud block on my credit report with all three major credit reporting agencies however, this company has still placed a collection account on my profiles and I am not associated with this company. Please remove this debt off of my credit report as I am not linked to this outstanding balance. I have experienced a lot of grief due to the Equifax breach with attempts to utilize my credit and I would like for this to be removed indefinitely. I have attempted to dispute this account however it comes back as verified, but it IS NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the XXXX/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from XXXX with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. 

Thank you for your assistance. 

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

I have two accounts on my credit reporting that are fraudulent ; 1. XXXX XXXX : I have no knowledge of the account. 

2. Macy 's American Express : Card was stolen and reported to Macy 's AmEx and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX . Followed up again on XXXX XXXX with Fraud Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my credit report with XXXX, Transunion & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, Transunion & XXXX and my credit score should be returned to what it was in the previous credit report.
Product: Money transfer, virtual currency, or money service

I sent money and realized I got scam and when I went to cash app they couldnt help me
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXXXXXX XXXX verifying this information was incorrect & ordered by the court. 

XXXX XXXX XXXX
Product: Student loan

My IDR was denied and no reason was given other than they would send me a letter. Naturally, I tried calling as soon as I got the email but they were already closed for the holiday ... my loan replayment plan ends XXXX. Last year with my repayment recertification, they made me go into forbearance for more than a month while they reviewed my application. This year, I made sure to recertify in a timely manner. My job and income have not changed yet for some reason my IDR was denied. I strongly dislike XXXX XXXX. I feel they intentionally place obstacles in the way to cause your loans to back up and need to go into forbearance.
Product: Mortgage

I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.
Product: Checking or savings account

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately