23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were originally through XXXX XXXX XXXX ( XXXX ) which I believe to be a branch of XXXX XXXX XXXX. ( I got all my loans through XXXX XXXX. ) I have faithfully paid my student loans for the past ten years. I received information in XX/XX/XXXX saying that Navient would be buying my loans. I did not receive a reason. I did not receive anything that asked me if this was okay. I simply received a letter saying that Navient would be buying my student loans. I called XXXX  to find out what was going on only for them to tell me that they would still be servicing my loans and not to worry about it. On XX/XX/XXXX, Navient sent out a letter to me saying that they tried to mail me documents that were sent back to them. My address has been unchanged for five years. XXXX has had no trouble contacting me. Not only that but I then received a bill and a past due notice from Navient Dated for XXXX. I had already paid my XXXX bill which still has my loans on it. When reading the Navient bill, I discovered that Navient only purchased one of my loans, not all. Which was not stated in any correspondence from them. I called AES and they were very dismissive and arrogant. Upon calling Navient on XX/XX/XXXX, they informed me that I would no longer be paying XXXX for that loan, which I know is a lie. They demanded that I pay them. And said that they updated my address on XX/XX/XXXX of XXXX to my address. I have no idea what address they had. Clearly something shady is going on here. I am not going to pay Navient when I have already paid AES. I still do not understand why they would buy a loan I was paying on. I had not defaulted on it. This seems like a way for them to make up losses for court cases they have lost in the past. I am refusing to deal with Navient or give them my personal information because I was not involved in the process of them buying my good loan. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of two accounts across the XXXX credit bureaus. 
XXXX. XXXX XXXX XXXX XXXX : The charge-off account ( Account Number : XXXX ) from XXXX XXXX XXXX was reported as resolved and removed from my XXXX credit report, but it is still being reported on TransUnion and XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account : The collection account from XXXX XXXX XXXX ( Account Number : XXXX ) related to XXXX  XXXX, XXXX. was also removed from my XXXX credit report but continues to appear on TransUnion and XXXX as unresolved or open. 

As a result, the reporting of these accounts is inconsistent across the XXXX credit bureaus. XXXX has accurately updated the status of both accounts, but TransUnion and XXXX have not reflected the same changes. This inconsistency is negatively impacting my credit score and causing confusion in my credit reporting. 

I request that TransUnion and XXXX update my credit reports to match XXXX accurate reporting and resolve the issue as required by law.
Product: Credit card

Late last year, I decided to take action to reduce my credit card debt and shopped for a good balance transfer card option on XXXXXXXX XXXX website. I was matched with a Citi Diamond Preferred card ( https : //www.citi.comXXXX XXXX XXXX XXXX XXXX XXXX ). 

I applied and was accepted. Upon receipt of the card, I called to ask about the balance transfer and was told I had to wait 30 days and to call back. I started a new job and it was the holidays I just now got back to calling them back to get that process underway. 

I am now told the offer is no longer available and expired. I can no longer do a balance transfer on my new credit card because had I clicked on the superscript 1 on the link and scrolled down the pages to the fine print it would have told me that. Of course, when I initially called to do this, I was not told I had to call back within a specific timeframe. 

Their answer was to apply for ANOTHER new credit card. I don't want another credit card. I only got this card to try to manage my credit better and applying for yet another card is a step in the wrong direction.
Product: Student loan

Nelnet states I have to repay almost $ 40K of student loans through the department of education. I have proof that I submitted to them all documentation under their requirements for a full forgiveness of any/all student loans both private and federal due to a medical issue ( s ) I have for full XXXX  forgiveness. The department of education for my federal student loans have already been forgiven and in XX/XX/XXXX I filed a 1099 c on my taxes representing my full permanent release for any/all loans. Nelnet still states I owe them and state that I never gave them my income paperwork in order to finish the process ; this is not true ; they have received a copy of my tax statements every year since roughly XX/XX/XXXX when I began college. An agent from Nelnet stated to me that I should have gotten the full permanent release of financial responsibility in XX/XX/XXXX but unfortunately " they '' lost my paperwork!!!! Now they want me to go back through their entire 3-5 year process to forgive my loans due to a medical issue again because they didn't keep track of their paperwork which would have solidified the permanent release of my private loans!!!!! The agent on the phone I spoke with today XX/XX/XXXX literally told me that my loans had been 100 % forgiven up until XX/XX/XXXX when they never received my paperwork - this is humorous to me because I sent my paperwork including my tax documents through my tax service electronically and via USPS and I made sure Nelnet had to sign for it so that they couldn't say they never received it!!! In fact I did that every time I sent them correspondence other than by phone of course ) The Department of Education has already forgiven my student loans and Nelnet should have to do the same!!! The XXXX should be forgiven and erased off of my credit and I should also be given an apology for the stress they have dragged me through. I have done my part every step of the way and have jumped through all of their hoops ; gone to countless doctor appointments, filled out a ton of paperwork over the years and now that they have screwed up, I'm supposed to pay what I don't owe?!?!?!? I don't think so. If they don't erase the XXXX  then we can go to court where I can show proof of everything I have which states in XX/XX/XXXX the department of education including Nelnet forgave all of my loans, both federal and private! I should not have to go through their process of reapplying for their XXXX XXXX XXXX XXXX program ; I went through it once and will not do it again! They keep sending me correspondence saying they are going to garnish my wages which should never happen considering I have proof from them saying I have been relinquished of all student loans, both private and federal. At the very least if the federal government through the Department of Education forgave my federal loans that should be required to apply to my private student loans ; which I shouldn't even have to add here being I have the letters that prove they all have been forever discharged!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying they dont have a report on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681
Product: Credit reporting or other personal consumer reports

The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed 43 inquiries and collection accounts from my credit report. Yet my score appears to have remained the same lower score as previously reported prior to the 43 changes.
Product: Credit reporting or other personal consumer reports

I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX XXXX, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against experian over this issue. 

My credit score was XXXX now its XXXX because of a false account that experian has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to XXXX, EQUIFAX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of XXXX  about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )
Product: Mortgage

I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to use my personal information to obtain credit/open an account on XX/XX/2021. I contacted both XXXX XXXX and XXXX XXXX to report this, providing all of the necessary information and placed a fraud alert on my credit record. Neither XXXX or XXXX opened an account, and they identified the inquiry as possibly fraudulent. 
Equifax refuses to remove the hard inquiry on my credit report, even though I did not authorize it. They said that it is a valid inquiry - not if it was fraudulent and not authorized. I want that hard inquiry removed as it has seriously damaged my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian Inquiries : XXXX XXXX, XXXX XXXX Na, XXXX XXXX XXXX, LL. XXXX inquiries : XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXXXXXX XXXX Transition inquiries : XXXX XXXX, 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 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
Product: Money transfer, virtual currency, or money service

The past two weeks Ive had a rather simple issue with the stock trading app Robinhood that I can not get resolved through them. O XX/XX/XXXX I was abruptly logged out of my Robinhood app. Since I have been using the XXXX XXXX  recognition way of logging on, I had forgotten what my password is. Naturally I followed their instructions on the forgot password option where it asked for an email to send instructions to. I have tried that link now upwards of 30 times, even trying different email addresses and checking the spam folders and yet have not received any email to help me reset my password. I took it a step further to try and directly reach out to Robinhoods customer service. So I filled out a case ticket and waited for their response which came four days later and happens to be the last contact that Ive been able to make with them. They instructed me to respond with my email and phone number as well as upload the front and back of my ID to their secured platform. All three of which I had done within an hour of receiving that email. I have yet to be contacted or helped in any way whatsoever after that email. I have anywhere from $ XXXX {$6000.00} XXXX XXXX invested through Robinhood and I can not access any of it simply because Robinhood is not responding or even acknowledging me at this point and I have no other option but to reach out to you. If you could let me know what I need to do to access my money/account, or at least point me in the right direction of which could, it would be greatly appreciated, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Over several YEARS, I have contacted both banks to have this transfer of funds cancelled. Fifth Third says it is not initiated by them and XXXX XXXX says it's not initiated by them so neither can cancel it. I believe it is Fifth Third that I had it set up with many years ago via a bill pay representative of Fifth Third 's. I have sent emails with statement uploads to both banks with no resolution. I have escalated my phone inquires with both banks- still no resolution. I just want to stop this transfer seems simple but as I said I have tried my best over the years to no avail. 
I hope you can get this resolved for me. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been working with XXXX  XXXX Global Holdings LLC since XXXX to pay off the debt on my XXXX, XXXX XXXX  and XXXX. 
On XX/XX/XXXX I did a one-time wire transfer payment to Global Holdings LLC per agreement, confirmation # XXXX in the amount of {$5800.00} to settle the two remaining credit cards, XXXX and XXXX Bank XXXX XXXX any remaining fees involved with XXXX  XXXXGlobal Holdings LLC. I spoke with XXXX, along with several other representatives. There were to be NO more drafts out of my bank account. On XXXX, XXXX XXXX drafted another {$270.00} from my checking account, which I found out when I went to buy groceries and had no money in my account. I called Global Holdings right away, they were closed. When I called them on XXXX, I ultimately spoke to XXXX again, she said she would have to look at my account, she would put a stop to any further withdraws, but will have to have the department look into the draft and put in a XXXX and they will refund whatever amount is remaining after they look at their numbers. Throughout this entire program, the amount of fees and incidental charges that were done by Global comparative to what actually went to the Credit Card companies are quite askew, I feel as though I have been taken advantage of not only by excessive fees, but by additional withdraw from my bank account after a settlement agreement was made by both parties and I had wired the agreed amount of {$5800.00} to Global Holdings LLC per their direction on XXXX.
Product: Mortgage

I have been negotiating a repayment plan with Wells Fargo. However, every time we had an understanding, Wells Fargo " moved the goal posts '' beyond my reach. I asked them, through XXXX XXXX XXXX, who helped me during this stressful moment, for a reinstatement figure. However, Wells Fargo gave me an inflated amount orally. In other words, they never had the decency to give me a written reinstatement letter. Even though we were talking about a repayment, they went forward with a foreclosure process against me. On or about XX/XX/XXXX, they said that they were going to include legal fees on my reinstatement figures. Finally, I got a reinstatement letter after several attempts. One of Wells Fargo 's representatives asked me if " I had the money to pay them back. '' In other words, the reason why I never got a reinstatement letter before was because the people who handled my request for repayment thought I was not going to be able to pay them back. On or XX/XX/XXXX, paid them {$13000.00}. But, days later, Wells Fargo, through their attorneys filed a foreclosure against me. I think they also say I owe them {$300.00} because of late fees. I hope they do the right thing and forgive said money. It is unfair that they spent legal fees on a situation that we were working on.
Product: Checking or savings account

This complaint is in follow up to complaint XXXX which was closed by the CFPB onXX/XX/XXXX when Wells Fargo Bank gave instructions on how to have my bank, XXXX XXXX XXXX, reclaim the funds {$42.00} on check # XXXX that Wells Fargo Bank deposited into the wrong account back on XX/XX/18. On XX/XX/XXXX, my bank representative, XXXX XXXX, followed step 1 as noted in the attached letter. I was present when she made the phone call. She was informed Wells Fargo Bank would fax a form to reclaim the funds within 24-48 hours. The form was received on XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX faxed the completed form to Wells Fargo Bank. I just spoke with Ms. XXXX by phone and to date, XX/XX/XXXX, the funds have not been reclaimed by XXXX XXXX XXXX to be returned to my account. This is not satisfactory. I have emailed XXXX XXXX, the Wells Fargo representative who was handling my complaint about this delayed return of funds, but have opted to file a new complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not adequately protect my personal information. I am one of the 143 million individuals whose privacy and safety was compromised by Equifax 's inability to protect my information.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX A XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. XXXX C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX  XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST.

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.
Product: Money transfer, virtual currency, or money service

Incorrect Funds where transferred to my checking account
Product: Debt collection

I submitted disputes to LVNV Funding LLC in XXXX early XX/XX/. The company never responded. XXXX responded in their behalf. I have a lot to say. I disputed this information with XXXX XXXX and XXXX XXXX failed to delete this from my report. Instead they continuously harm my credit report I was recently denied a home and LVNV Funding was the account brought up. They continuously update false inaccurate incomplete information. They have been compliant with FCRA laws nor are they XXXX compliant. This company didnt send the information asked for. Where is the payment history? Where is the rest of the information asked for. I sent this ferried mail and can send return receipts and copies of dispute letters. Delete this from my report ASAP