23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have my student loan repayment through Nelnet. I logged on last month to complete my recertification for IBR and was shocked to find out I owe {$6000.00} more on my student loans now than I did one year ago. At no point in my discussion with Nelnet advisors was I informed that the interest on my unsubsidized loans would continue to accrue when I was paying less than the full amount of interest monthly. I had to figure out on my own that this is what must have happened by doing research after I discovered I now owe much more on my loans than a year ago. I would NEVER had agreed to the IBR plan had I known that my loans would INCREASE in amount instead of decrease! I feel that I have been scammed by Nelnet. I took the advice of the Nelnet advisors in picking the best plan for me and now I owe an extra {$6000.00} on my student loans. I feel that Nelnet is at a minimum guilty of negligence for not informing me the interest on the unsubsidized loans would accrue and add to my loan amount. I have never missed a single payment on my student loans. I was trying to make the most financially sound and responsible decisions regarding my student loan debt and I feel that I have been dealt a huge blow to my financial future. I emailed Nelnet XX/X/17 about this issue and never received a response.
Product: Credit card

I recently opened a Barclay credit card for a purchase of an XXXX computer. XXXX automatically directs you to them for financing. My wife also has a bBarclay account. I made a payment on my account on XXXX/XXXX/17 and it was applied to my wifes account in error. Barclay will not correct the mistake or return the {$100.00}. What can I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX
Product: Debt collection

I SENT A LETTER OF DISPUTE ON XX/XX/2021 FOR XXXX, EXPERIAN AND XXXX  TO VERIFY SOME STATUS OF MY REPORTS AND IT HAS BEEN 30 DAYS SINCE I SENT THEM THE FIRST SET OF LETTERS AND THEY HAVE NOT RESPONDED. ON XX/XX/XXXX I SENT THEM ANOTHER SET OF LETTERS THIS TIME CERTIFIED AND IM WAITING ON THEIR RESPONSE.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had a dentist appointment. At this appointment it was determined that I was going to need major dental work performed. The cost of this work was over XXXX. I asked my dental office if they had any type of payment plans that would allow for monthly payments in lieu of having to pay all at XXXX time. The office manager took me in her office and gave me an ipad and told me that I could apply with Carecredit, apparently a subsidiary of Synchrony Bank. I filled out all the information, I had to take a picture of myself and upload a copy of my driver 's license.It kept rejecting the copy of my photo id and I had to reload it several times. When I thought it finally went through with a clear enough copy I got a message saying it could not complete. I then called the company to verify they had what they needed and was told that my application was denied and that I would receive a letter and they could not tell me why but they did get a satisfactory copy of my photo id. I have dealt with credit for the last 35 years ( XXXX XXXX XXXX in the Mortgage business ) my credit score is in the XXXX 's and I have very little debt. There is no way I should have been denied. On XX/XX/XXXX, I received an email with the following determination " Unfortunately, based on the results of these checks we are unable to confirm your identity with enough confidence to approve your application at this time. I am perplexed to determine exactly what this means. I called them this same day to ask exactly what this meant and what I could provide them for them to be able to approve my application. The person I initially talked to said she could only tell me that it was denied and nothing else and that there was nothing I could do to fix it. WHAT??? I asked for her supervisor as this was an unacceptable answer to me, that it couldn't be fixed. I then was transferred to a supervisor named XXXX and she reiterated the same thing. I then asked for her supervisor and was connected to an XXXX with the same results. During my conversations ( not sure which one said it as I spoke to 2 different supervisors ) they told me I could re-apply. I then went to their website and re-applied ( XX/XX/XXXX ) to see if I got a different outcome and received a XXXX denial for " prior application submitted too recently ''. Really, the supervisor didn't know this before telling me this. I think this is totally unacceptable and should have been able to provide me with what they needed to be able to approve my application. I have since had my dental work done and had to pay it in cash which I did not want to do. I am attaching both letters received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Equifax is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing  with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations
Product: Debt collection

This complaint is about the following account with Mercedes Benz : XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, the company I am a XXXX XXXX for ( XXXX XXXX XXXX ) purchased a vehicle at Mercedes Benz XXXX of XXXX. At the time the dealer was made aware this was a corporation purchasing a vehicle and the dealer told me since I am one of the XXXX XXXX, I would need to sign as a representative of the company, however the account would not show on my credit report. 

So the contract I signed stated the buyer of the vehicle is the corporation ( XXXXXXXX XXXX XXXX ), and there is no co-signer or additional borrower. 

Fast forward XX/XX/XXXX, the account is showing on my credit report and also it is reporting a late payment for XXXX XXXX, as somehow the company book keeper had problems accessing the online account. 

Now this has destroyed my perfect credit. XXXX did not send me any notices about this either stating they will be reporting adverse information to my personal credit report. 
My company has every intention of paying on the vehicle, however, there is no contract between myself and Mercedes Benz Financial. 

Due to this I am demanding that the late payment or the entire account be removed from my credit report. 

I do want to resolve this matter amicably, however, if this matter is not resolved, I will file the attached arbitration demand to get this matter heard by XXXX arbitrator. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute 30 days late from my credit report because this has been affecting me from moving into my house I am in the process of getting a mortgage and I called Affirm numerous of times for them to take the 30 day late payment off because of this harming my mortgage application and they told me they aren't going to take it off
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Product: Debt collection

To Whom It May Concern : I am writing to file a formal complaint against Fair Collections and Outsourcing for attempting to collect on a previously disputed and invalidated debt. 

The debt in question was previously investigated by all three major credit bureaus- XXXX, XXXX, and XXXX- and determined to be incorrect around the XXXX - XX/XX/year> timeframe. Despite this determination, Fair Collections and Outsourcing continues to pursue collection activities and is causing undue harassment through their persistent attempts to collect this invalid debt. 

Their actions are causing me significant distress and threatening my credit standing, which was already negatively impacted by their previous improper collection attempts. This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair, deceptive, or harassing practices.

I request that the CFPB investigate this matter and require Fair Collections and Outsourcing to : Cease all collection activities related to this invalidated debt Remove any related negative information from my credit reports Provide written confirmation that they will stop pursuing this debt Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an account without a credit card name or creditor information and I do not recognize the death nor can I follow up to find out if it is accurate or in accurate. Course I believe it is in accurate and that no such account exists in my name and would like to see proof and name of original creditor along with valid proof that the account belongs to me. 

The FCRA requires such information be displayed correctly. This account does not display three of the four points required by law as of XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a distressing issue concerning my IKEA credit card, which is managed by Comenity Capital Bank. I applied for the credit card online, providing accurate information, but despite being approved, I never received any communication, confirmation, or the essential disclosures related to the credit card agreement. This lack of communication left me in the dark about the terms and conditions, putting me at a disadvantage as a consumer. 

Nonetheless, I was able to make some purchases at IKEA in XXXX using a temporary card, which the IKEA representatives provided. This temporary card allowed me to make the necessary transactions, but my worries grew when I received the actual credit card through the mail and was unable to activate it. When I attempted to make a purchase, the card was declined, leaving me puzzled and concerned. 

Determined to resolve the issue, I contacted IKEA 's customer service, hoping they could provide some clarity. Unfortunately, they were unable to locate my account in their system, and they advised me to wait for a statement, which I have never received. This confusing response left me feeling frustrated and anxious about the status of my account. 

To my shock, I recently discovered that there is a derogatory entry on my credit report, stating that I haven't made any payments. This damaging entry has caused my credit score to plummet by a staggering XXXX points, severely affecting my overall financial well-being. It is incredibly disheartening to see my credit suffer when I have made sincere efforts to resolve the issue, but my attempts have been met with frustration and dismissal. 

Despite making multiple calls to seek assistance, I am confronted with the same frustrating outcome - nobody can locate my account, making it impossible for me to rectify the issue or make any payments towards the credit card. This has placed me in a helpless situation where I am unable to address the problem, leading to an unjust and detrimental impact on my credit history. 

I am in the process of purchasing a house, and this erroneous credit report entry is causing significant hurdles in securing a mortgage and achieving my long-standing dream. This situation is incredibly distressing, as it is not a result of any negligence on my part, but rather a failure on the part of the credit card company to properly handle my application and account.
Product: Credit reporting or other personal consumer reports

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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: Mortgage

Bank of NY, Mellon is the trustee of our Mortgage note. 

We have written them several times over the years to include when the XXXX / XXXX scandal of predatory lending practices had a debt settlement program which we were named in. No response was ever given. 

XXXX  XXXX XXXX refused, and on tape refusing to provide this trustee information in order to protect them. 

Most recently, XX/XX/2019, we sent a certified letter to The Trustee of our loan, Bank of NY, Mellon, which was signed for as being received XX/XX/2019, to request the following documents : 1 ) The original promissory note, as well as a personal member of their bank to allow us a visual inspection of this Original Promissory Note 2 ) To also see the Deed of Trust 3 ) All loan documents to include all transactions dated back to loan inception, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX. We requested all documents so we can review them personally to match with our records. 

All of these requests were never answered, just shoved under the carpet.
Product: Student loan

I requested a master promissory note for each of our original loans. Navient representatives said they did not have them and submitted the request to another department, but i have still not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record of Chapter XXXX Bankruptcy listed on my XXXX and Experian credit report is inaccurate and not my public record. The following credit inquiry listed on my XXXX credit report is fraudulent and unauthorized : XXXX XXXXXX/XX/2020. The credit inquiry is not my credit inquiry.
Product: Checking or savings account

I been a client of Suntrust for more that 11 years. I deposited all my trust on Suntrust for many years. On XX/XX/2019 there was a fraudulent transaction through XXXX for {$2400.00} Which I never gave permission. I immediately contact my bank to dispute this transaction after almost 2 months my bank denied my dispute because they are saying, I previously have done business with this company ( XXXX ) and I have to get in contact with XXXX .I have tried to contact XXXX  but they are not responding ( I am also making another complain against XXXX in a different dispute ). Suntrust as my bank is not helping me on getting this situation resolved. This is obviously a fraud. I never gave any authorization. After calling so many times, now Suntrust is saying that I first told them it was a scam and not a fraud. Sorry for not knowing the right words when I was obviously going crazy calling my bank because someone took all my money from my account. That is the reason I am contacting you. I have been trying so hard working with my bank but they do not want to help me. This is not the first time a been a victim of fraud. 2 year ago someone did a fake check, which I do not have any checks from that account and this individual went to the bank an took {$8000.00} form my money market account. I don't think this bank is protecting their customers and I'm trying to prevent other people go through this situation like me. Suntrust does not want to give me my money back. I have been working so hard for so many year to have a little bit of savings and in few seconds my money was gone. I been trying to get in contact with XXXX   because after Suntrust denied my first dispute on XXXX XXXX they told me they will sending me a rebuttal letter after to see If I have proof that this was a fraudulent transaction. After a couple of weeks trying to contact XXXX I finally got XXXX to admit on XXXX XXXX that they have determined my account had been compromised and to contact my bank and dispute the unauthorized activity. I also submitted a police report. After I gather more evidence I immediately sent all the addition information to Suntrust like they told me. But on XXXX XXXX I received a letter from Suntrust denying my additional details. I had all evidence that this was a fraudulent activity and I'm not sure what more proof they want me to provide them. Unfortunately now Suntrust does not want to give me my money back and they keep telling to get in contact with XXXX. I already explained to them that after XXXX admitted that someone compromised my account, they are not responding to my emails to get a resolution. As a bank they did not took any action to prevent this fraud, not even an alert. Please investigate this issue. Thank you for your time. I'm providing all documents that I received and provided to Suntrsut.I am working with Call for XXXX XXXX. They are the one that are helping with this situation as well. I am willing to go to the media if I do not get a resolution. Thank you again for your time
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I am formally opting out of any and all authorizations that I may have provided, whether written, unwritten, verbal, or nonverbal, to XXXX XXXX XXXX XXXX . This opt-out request also applies to Early Warning reporting and the sharing of my information with non-affiliated third parties, per 15 U.S.C. 6802 ( b ). 

Under 15 U.S.C. 6802 ( b ), financial institutions are required to give consumers a clear and conspicuous notice and an opportunity to opt out of sharing nonpublic personal information with nonaffiliated third parties. Failure to provide this notice or disclosure violates my rights under federal law. 

Additionally, according to 16 CFR Part 313 ( Regulation P ), financial institutions must provide initial and annual privacy notices to customers, detailing their rights to opt out of certain information sharing practices. The failure to provide this disclosure not only infringes on my privacy rights but also constitutes a violation of 16 CFR 313.7 and 313.10. 

In light of these violations, I am requesting damages in the amount of {$1000.00} per violation, as provided for under the FCRA, specifically under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), which allows for statutory damages in cases of willful noncompliance. Given the failure to disclose my opt-out rights, I am entitled to this statutory compensation. 

Details of Complaint Disputes : XXXX and XXXX Financial Institution : XXXX XXXX XXXX XXXX Violations : Failure to provide clear and conspicuous opt-out disclosure, as required by 15 U.S.C. 6802 ( b ) Noncompliance with privacy notice obligations under 16 CFR Part 313, specifically 313.7 and 313.10