23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since XXXXXXXX XXXX  XXXX I have made {$16000.00} worth of payments on my Department of Education held loans from my XXXX years at XXXX XXXX XXXX  ( XXXX ) via my designated loan servicer, Nelnet. On XX/XX/XXXX I called Nelnet and requested refund of a {$7800.00} payments made made on XX/XX/XXXX, as provided for under the CARES Act. The Nelnet representative told me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. On XX/XX/XXXX, I called again, this time to request refunds of 3 payments of {$510.00} ( each ) made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Again, the Nelnet representative advised me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. They advised me to call back if refunds were not received within that timeframe. It has been 6 weeks from the first request and I have not received any refunds nor has my balance been updated to reflect any of the requested refund amounts. I called- as instructed previously by Nelnet- to check the status of my refunds and loan balance update, and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could affects requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. This is asinine for multiple reasons, but most significantly because this will prevent me from applying for {$10000.00} of loan cancellation to which I am entitled under the recently announced forgiveness plan before the end of the year when payments restart. Nelnet is effectively holding my money XXXX to force payment of some interest to them on my loans into XXXX, as if my loan balance is not updated until XXXX, then it would be XXXX before I could expect cancellation, given the reported timeline from application to cancellation is ( at least ) 6 weeks. This will effectively force me to pay interest on loans I've already paid off, which should have been refunded, and which should be forgiven before end of year. All payments on my student loans to Nelnet have been made electronically from a major bank and can easily be reversed electronically- this takes only 3 to 5 business days for almost all financial institutions. Additionally, a timeline of 3-4 months was not the agreed upon terms of the refund and I was not advised that the refund could take until the end of the year during either call in XXXX.
Product: Checking or savings account

fifth third bank refuses to remove my email address from a customer account. 
I do not know this customer and I amreceiving personal information and banking information. this is obviously a security risk. 

I've contacted them 5 times over the week ( a response to each customer email sent to me directed to security/fraud dept ) and I've called them 4 times today speaking with various departments. 

no one is taking it seriously, no one can do anything. The customer used my email address and I have no way to contact them. 

It started XX/XX/XXXX and today XX/XX/XXXX I have called numerous times to 53 bank. 

I have informed them I am lodging this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed items that are not mine on my report and they have failed to respond accordingly. The following letter and items were sent out and I've included them in attachment.
Product: Debt collection

I returned a call from XXXX with XXXX XXXX on XX/XX/year>. I first left a voicemail explaining to send me debt verification and purchase agreement to prove they own the debit and that I should be taking with them. I said once I review that I would talk and work with them with a payment plan assuming its owed. I also requested them to stop harassing my XXXX XXXX XXXX XXXX for info on me and my XXXX XXXX. 

XXXX called back immediately after I hung up. He had not heard the voicemail I left. I spoke to XXXX and explained that I would be happy to talk with him about my debt once he sends the debt validation info with the purchase agreement. He said we have sent info via email many times and you have opened. I said maybe I'm not sure but what I am asking for now is for you to mail me that info for review and then once reviewed I would work with him and company if valid. He said no we have emailed it. He asked why I stopped making payments, I said I had financial issues XXXX some debit and was needing to put food on my table. He scoffed and said that is not good enough reason. This wasn't a gift, was it. I said no I understand that. So again, what is reason. I explained my reason stands that I need to food for family. Again I get Im not happy about not paying but and willing to work things out but his service customer service, tone, talking down to me was repulsive and I just said I am done XXXX this conversation. Per his opening this was recorded so there should be a copy of this conversation. He was very combative. Maybe I was to or became that, but I was getting no answer about my right to have info mailed to me for review. 

I then immediately sent an email to that company asking for management to reach out to me to discuss this. 

The tone and talking to me like that when I am obviously struggling XXXX bills since not paying that one was just so rude. 

Why is everything done via email, I dont look at all emails, spam gets some, he said they have mailed before but I dont have it or didnt see and so why is it so hard to mail the info I asked, what are they hiding. Do I not have that right for the info?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 student loans reporting on my credit report, however there is only one account with the loan servicer and only one payment due. When I was selecting the repayment option for my student loans when I graduated, I was not informed that there was a payment due, which was {$0.00} because of the income based repayment plan. I wasn't made aware until I saw a 120 day late on my credit report. They told me I would have to send them tax returns, which I had yet to file, before they could revert back to the original repayment plan. Which took me 30-60 days to get to them. They have been reporting 7 separate accounts being 120+ days past due. But when I get a statement, there is only 1 payment due, not 7. This has been impossible to correct and extremely unfair. I have not been able to get approved for almost anything in over 7 years. I had to refinance the student loans so that they would stop reporting negatively. The next year when I sent them my returns, they said that " they '' didn't file my paperwork timely which then resulted in even more of lates. However, they were unwilling to correct he information reported to the credit bureau. 

These accounts should be deleted based on the first late payment, which should have already happened. 

In accordance with the Fair Credit Reporting Act, NelNet Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right 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. 
They are in violation of the Fair Credit Reporting Act
Product: Debt collection

Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Reliable gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXXT - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX -DATE- XX/XX/XXXX ACCOUNT - XXXX  DATE- XX/XX/XXXX ACCOUNT- XXXX  XXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX  DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am writing to dispute the inaccurate reporting of late payments on my auto loan account with Truist Bank. According to my credit report, Truist Bank has reported that I missed payments for XXXX, XXXX, and XXXX which came up to XXXX ( including late fees ) This is false, and I have never missed a payment on this loan. The vehicle associated with this loan was wrecked on XX/XX/XXXX, which resulted in it being a total loss. As per the terms of the loan, my XXXX XXXX paid the remaining balance due on the loan. Therefore, I owe nothing to Truist Bank, and there should be no late payment reporting for the months following the total loss of the car. Despite this, my credit report reflects that I missed XXXX payments ( XXXX, XXXX, and XXXX ), which has caused my credit score to drop significantly. This is not only incorrect but has severely impacted my financial life and is a major inconvenience to me. I am requesting that this inaccurate information be removed from my credit report immediately. Furthermore, I have had consistent difficulties with Truist Bank, including slow response times, lost documentation, and lack of communication from their back office, which has added to the frustration of this situation. I have made every effort to resolve this matter directly with them, but the issues remain unresolved. Please investigate this matter and ensure that the false late payment information is corrected on my credit report. I request that you notify me once this issue has been resolved and my credit report has been updated accordingly. Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX t his complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

On XX/XX/2018, we received a letter in the mail from Hillcrest Davidson in reference to a potential debt owed to a home security business. My husband contacted Hillcrest and asked to speak with the person who's name was on the letter ( XXXX XXXX ). XXXX asked my husband who he was and who I was then proceeding to ask why we did not pay our bill. My husband told him that he did not owe the bill. XXXX proceeded to threaten my husband saying that we would pay the bill and threatened to put it on both of our credit reports. He was very unprofessional and upset my husband with his threats. 

When my husband called and asked to speak with a manager, he spoke with XXXX 's brother who is also the manager. He told him the only way to stop that from happening was to get a letter from the creditor stating that we did not owe the debt. There was no apology for the threats. Only reassurance that it could happen again.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX AND AXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX at XXXX as a result of our yearly audit and find that ultimately we paid {$91.00} in late fees for account statements that were never sent to us until the Bank wanted to collect {$99.00}. I reported this to the Bank at the above Number on XXXX/XXXX/XXXX. They claim they did send the bills and claim that they have the tracking numbers from the XXXX XXXX XXXX. I checked my account on line on XXXX/XXXX/XXXX and there are no statements in their system that they claim were sent to me. I asked them to send me the tracking numbers and they refused. I demanded a refund of the late fees due to improper billing. They refused. I demanded that my account be immediately closed. All in all I charged a total of {$14.00} and then had a credit of {$5.00} for a grand total of {$8.00} as of XXXX/XXXX/XXXX. 
I work for the Federal Government and we are never late paying bills. The blogs on line about XXXX XXXX XXXX are terrible. They are selling credit cards through XXXX XXXX XXXX XXXX and are getting away with Fraud through their own internal negligence. Many others are having similar problems with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX. this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a car loan from " XXXX XXXX {$13000.00} '' opened on XX/XX/XXXX. 

A credit card XXXX XXXX  {$2700.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX XXXX {$19000.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX {$8500.00} a personal loan from XXXX XXXX  {$7500.00} I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.
Product: Credit reporting

I HAVE DISPUTE XXXX ACCOUNTS ON MY EQUAFAX CREDIT REPORT ABOY A MONTH AGO. I EVEN DISPUTED THE ACCOUNT WITH MY CREDITOR RECENTLY AND THEY SENT ME A LETTER THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATE. ON MY OTHER ACCOUNT I HAVE DISPUTE A NOTICE THE INFORMATION I HAVE DISPUTE HAS BEEN UPDATED BUT THE BALANCE IS NOT UPDATED OR CORRECT. SO EARLIER TODAY I WAS GOING ON LINE TO FILE DISPUTE AGAIN WITH THE CREDITORS AS I WAS LOGGING ON TO THE ONLINE DISPUTE ON EQUIFAX .I LOOK DOWN ON XXXX OF MY ACCOUNTS THAT I WAS GOING AND I SEE THAT MY 81 MONTH PAYMENT HISTORY HAS BEEN UPDATED AND IT SHOWS THE MONTHS AS CURRENT FOR THE MONTHS. AS PAY AS AGREE BECAUSE ON MY EQUIFAX CREDIT REPORT IT SHOWS A NOT REPORTED OR NR ON THE MONTHS IN QUESTION. SO I CALL THE EQUIFAX DISPUTE NUMBER AND I ASK THEM WHY DO I SEE MY ACCOUNTS ON THE ONLINE DISPUTE SIDE AS CURRENT AND IT SHOWS MY PAYMENTS HISTORY CURRENT BUT WHEN I LOGGED INTO MY EQUIFAX PERSONAL SOLUTION ACCOUNT IT SHOWS NR AS NO REPORTING FOR XXXX AND ALSO MY XXXX XXXX ACCOUNT. ACCOUNT NUMBER FOR XXXX XXXX XXXX AND ALSO MY XXXX XXXX XXXX XXXX AND XXXX XXXX. THEY ASK IF I WANT TO FILE A DISPUTE. ITS LIKE I DONT NEED TO. THE ACCOUNT ARE UPDATED HOW COME IT DOESNT SHOW WHEN I LOG IN. THEY DIDNT HAVE ANSWER FOR THAT. ALSO ON MY XXXX XXXX ACCOUNT IT STILL NEEDS TO BE UPDATED THE BALANCE OWE IS NOT RIGHT. I HAVE SUMMITED DOCUMENTS FROM XXXX XXXX TO SHOW THE CORRECT BALANCE. WHAT I OWE IS XXXX NOT XXXX. DATE OF LAST PAYMENT SAYS XXXX 2016. MY LAST PAYMENT I MADE WAS XXXX OF 2016. DATE OF LAST ACTIVITY IS THE SAME WITH MY LAST PAYMENT. I AM DISPUTING THE BALANCE, LAST PAYMENT ON MY CREDIT REPORT AND I AM DISPUTING THE DATE OF LAST ACTIVITY. ALL SHOULD SAY XXXX OF 2016. ON MY XXXX XXXX ACCOUNT IT STATES MY NEXT PAYMENT IS DUE XXXX ON XXXX XXXX 2016
Product: Credit reporting or other personal consumer reports

Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN IN XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my XXXX, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experian is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to remove inquiries I did NOT authorize. Although I may have  accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Debt collection

I filled a dispute XXXX XXXX For Debt of {$580.00} I stated to XXXX I never opened an account with them also filed for identity theft The company Convergent outsourcing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance
Product: Payday loan, title loan, personal loan, or advance loan

I keep receiving a call from this particular number I called twice I informed them Ive never apply for credit line. Theyre calling the wrong number. They proceeded to call me again today and I spoke with someone else. They asked for my number and they said it was in the system, but they called so Im thinking may be a scammer